1LINK Monthly Statistical Report October 2013

8/11/2019 1LINK Monthly Statistical Report October 2013

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LEVEL:CONFIDENTIAL

1LINK MONTHLY STATISTICS

OCTOBER -2013

Confidential & Unpublished DocumentFor official and 1LINK authorized institution use Only

All Rights Reserved - Copyrights 2008-131LINK (Guarantee) Limited


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Confidential October 2013

1LINK (Guarantee) Limited Page 2of 25 MIS Departmen

INDEX

1LINK Statistics Summary ...............................................................................................................................................................................................

1.0. Financial Shared ATM Transactions ..................................................................................................................................................................

1.1. Intra Switch Transactions...............................................................................................................................................................................

1.2. Inter Switch Transactions...............................................................................................................................................................................

1.2.1. 1LINK on MNET .......................................................................................................................................................................................

1.2.2. MNET on 1LINK .......................................................................................................................................................................................

1.3. Switch withdrawals transactions limit analysis ............................................................................................................................................

1.3.1. 1LINK on 1LINK .......................................................................................................................................................................................1.3.2. 1LINK on MNET .......................................................................................................................................................................................1.3.3. MNET on 1LINK .......................................................................................................................................................................................

1.4. Top 10 Statistics .............................................................................................................................................................................................

1.4.1Top 10 Issuer 1LINK on 1LINK ..........................................................................................................................................................................1.4.2. Top 10 Acquirer 1LINK on 1LINK .....................................................................................................................................................................1.4.3 Top 10 Acquirer MNET on 1LINK ......................................................................................................................................................................1.4.4 Top 10 Local ATM - Withdrawal Transaction .....................................................................................................................................................1.4.5 Top 10 Local ATM - Withdrawal Amount .........................................................................................................................................................

1.5. Inter Bank Funds Transfer (IBFT) .......................................................................................................................................................................

1.6. Summary .........................................................................................................................................................................................................

1.6.1. Transaction Amount .................................................................................................................................................................................1.6.2. Number of Transactions ...........................................................................................................................................................................

1.7 IBFT Limit Analysis .........................................................................................................................................................................................

1.8 IBFT Payments ................................................................................................................................................................................................

1.8.1 Credit Card Bill Payments .............................................................................................................................................................................

3.0. VISA Transactions .....................................................................................................................................................................................................

3.1. Visa Local Transactions on POS ...................................................................................................................................................................

3.1.1. Top 10 Merchant Category (Local Transactions) ......................................................................................................................................

3.2. *Visa International- Bank Wise Transactions ......................................................................................................................................................

3.2.1. Top 10 International Countries .................................................................................................................................................................3.2.2. Top 10 Merchant Wise (International Transactions) .................................................................................................................................

3.3. VISA SMS Acquiring Service ...............................................................................................................................................................................

3.3.1 Top Issuers .......................................................................................................................................................................................................

4.0. UNIONPAY .................................................................................................................................................................................................................

4.1. UnionPay Transactions.........................................................................................................................................................................................

5.0. Utility Bill Payment Service (UBPS) ..........................................................................................................................................................................

5.1. UBPS Banks Position ...........................................................................................................................................................................................

5.2. UBPS Transactions ...............................................................................................................................................................................................

6.0. Non Financial Shared ATM Transactions .................................................................................................................................................................6.1. Intra Switch Transactions...............................................................................................................................................................................

6.1 Inter Switch Transactions...............................................................................................................................................................................

6.1.1. 1LINK on MNET .........................................................................................................................................................6.1.2. MNET on 1LINK .......................................................................................................................................................................................

7.0. Market overview .........................................................................................................................................................................................................

7.1. 1LINK Products & Non-Financial Transactions ...................................................................................................................................................

7.2. 1LINK Trend Analysis ...........................................................................................................................................................................................


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1LINK STATISTICS SUMMARY

Member Banks Number of ATMs

1LINK 32 5,623

MNET 4 700+

Financial TransactionsNumber of

Transactions Amount (PKR)

1LINK on 1LINK 5,976,278 51,023,095,934

1LINK on MNET 615,208 5,181,864,100

Mnet on 1LINK 776,294 6,317,887,096

IBFT 597,126 30,152,959,301

VISA Local (on POS) 368,524 1,325,738,608

VISA International 41,047 531,534,119

SMS Transactions 11,462 139,126,500Orix Transactions (on POS) 944 4,031,894

UBPS Transactions 627,362 1,137,463,498

Total 9,014,245 95,813,701,050

Non Financial Transactions

1LINK on 1LINK 1,973,574

1LINK on MNET 248,300

MNET on 1LINK 139,280

Total 2,361,154

Grand Total 11,375,399 95,813,701,050

1The average dollar rate for VISA International is Rs. 105.44.


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1LINK (Guarantee) Limited Page 4of 25 MIS Department

1.0. FINANCIAL SHARED ATM TRANSACTIONS

1.1. Intra Switch Transactions

Legends

ABL Allied Bank LimitedASK Askari Bank LimitedAPN Apna Microfinance BankBAL Bank Al BarakaBAR Barclays BankBAF Bank Al FalahBAH Bank Al Ha2bibSIN Sindh BankBUR Burj Bank

BIP Bank Islami PakistanBOK Bank of KhyberBOP Bank of PunjabCIT Citibank NADUB Dubai Islamic BankFBL Faysal Bank LimitedHBL Habib Bank LimitedOIB Oman International

HMB Habib Metropolitan BankJSB JS Bank LimitedKAS KASB Bank LimitedKSF Kashf Micro Finance BankMBL Meezan Bank LimitedNBP National Bank of PakistanNIB NIB Bank

SAM Samba BankSCB Standard Chartered BankSLK Silk Bank LimitedSON Soneri Bank LimitedSUM Summit BankTAM Tameer Micro Finance BankUBL United Bank Limited

Note: These are only Withdrawal plus Processed OK transactions

0

200,000

400,000

600,000

800,000

1,000,000

Acquiring

Issuing


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1LINK (Guarantee) Limited Page 5of 25 MIS Departme

1.2. Inter Switch Transactions

1.2.1. 1LINK on MNET 1.2.2. MNET on 1LINK


0 50,000 100,000 150,000

ABL

APN

ASK

BAF

BAH

BAL

BAR

BIP

BOK

BUR

BUR2

CIT

DUB

FSB

HBL

HMB

JSB

KAS

KSF

MBL

NBP

NIB

SAM

SCB

SIN

SLK

SON

SUM

TAM

UBL

Issuer

Banks

0 500,000 1,000,000

FWB

HSB

MCB

Acquirer

Banks


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Confidential September 2013


1.3. Switch withdrawals transactions limit analysis

1.3.1. 1LINK on 1LINK

1.3.2. 1LINK on MNET

1.3.3. MNET on 1LINK

Range Transactions % Amount in PKR %

Less than and equals to Rs.5,000 3,020,034 50.53% 8,316,940,458 16.30%

More than Rs.5,000 but less than and equals to Rs.10,000 1,336,604 22.37% 12,460,228,544 24.42%

More than Rs.10,000 but less than and equals to Rs.20,000 1,517,425 25.39% 27,687,405,395 54.26%

More than Rs.20,000 102,215 1.71% 2,558,521,537 5.01%

Total Number of Transactions 5,976,278 51,023,095,934


Less than and equals to Rs.5,000 312,303 50.76% 818,675,600 15.80%

More than Rs.5,000 but less than and equals to Rs.10,000 119,351 19.40% 1,066,680,500 20.58%


More than Rs.20,000 16 0.00% 400,000 0.01%

Total Number of Transactions 615,208 5,181,864,100


Less than and equals to Rs.5,000 401,869 51.77% 1,137,517,726 18.00%



More than Rs.20,000 16,312 2.10% 406,194,000 6.43%



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Confidential

1LINK (Guarantee) Limited Page 7of 25

1.4. Top 10 Statistics

1.4.1Top 10 Issuer 1LINK on 1LINK

Member Bank Number Of Transactions

HBL 1,012,933

UBL 727,673

NBP 671,288

SCB 527,904

ABL 423,754

BAH 367,094

BAF 340,897

ASK 333,134

MBL 246,027

FSB 202,210

1.4.2. Top 10 Acquirer 1LINK on 1LINK


ABL 920,387

BAH 664,277

HBL 663,927

UBL 599,454

BAF 517,334

SON 327,221

MBL 324,834

FSB 306,907

ASK 228,755

SUM 209,232


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Confidential


1.4.3 Top 10 Acquirer MNET on 1LINK


ABL 124,412

HBL 100,097

UBL 87,258

BAH 82,615

BAF 65,138

SON 45,398

MBL 38,029

FSB 35,581

ASK 26,138

SUM 25,093

LegendsABL Allied Bank LimitedASK Askari Bank LimitedBAL Bank Al BarakaBAR Barclays BankBAF Bank Al FalahBAH Bank Al HabibSIN Sindh BankBUR Burj Bank

BIP Bank Islami PakistanBOK Bank of KhyberBOP Bank of PunjabCIT Citibank NADUB Dubai Islamic BankFSB Faysal Bank LimitedHBL Habib Bank Limited

HMB Habib Metropolitan BankJSB JS Bank LimitedKAS KASB Bank LimitedKSF Kashf Micro Finance BankMBL Meezan Bank LimitedNBP National Bank of PakistanNIB NIB Bank

SAM Samba BankSCB Standard Chartered BankSLK Silk Bank LimitedSON Soneri Bank LimitedSUM Summit BankTAM Tameer Micro Finance BankUBL United Bank Limited


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Confidential


1.4.4 Top 10 Local ATM - Withdrawal Transaction

Member Bank Position Number Of Transaction

ABL1st Place

8,048

ABL 2nd Place 7,060

SON3rd Place

7,040

ABL4th Place

6,725

BOP5th Place

6,595

ABL6th Place

6,348

FSB7th Place

6,173

SON8th Place

6,085

BAF9th Place

6,083

ABL10th Place

6,068

1.4.5 Top 10 Local ATM - Withdrawal Amount

Member Bank Position Amount

ABL1st Place

69,853,000

SON2nd Place

63,451,500

ABL 3rd Place 61,280,500

BOP4th Place

60,312,500

ABL5th Place

59,666,000

SON6th Place

58,692,000

BAH7th Place

57,620,500

ABL8th Place

56,068,500

SON9th Place

54,854,000

ABL

10th Place

54,464,500


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Confidential


1.5. INTER BANK FUNDS TRANSFER (IBFT)

1.6. Summary

ATM Mobile Call Center Internet Total

Transactions 367,589 29,575 3992 195,970 597,126

Volume 19,252,539,538 1,454,884,435 215,210,710 8,957,324,618 30,152,959,301

1.6.1. Transaction Amount

1.6.2. Number of Transactions


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1.7 IBFT Limit Analysis

1.8 IBFT Payments

1.8.1 Credit Card Bill Payments


Less than and equals to Rs.50,000 417,743 69.96% 8,565,494,297 28.41%


More than Rs.100,000 but less than and equals to Rs.150,000 20,531 3.44% 2,738,361,927 9.08%More than Rs.150,000 but less than and equals to Rs.200,000 14,859 2.49% 2,822,613,726 9.36%


More than Rs.250,000 1,963 0.33% 865,483,395 2.87%


Bank Transactions Amount

HBL 96 1,541,958


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3.0. VISA TRANSACTIONS

3.1. Visa Local Transactions on POS

3.1.1. Top 10 Merchant Category (Local Transactions)

S No Merchants Transactions Amount

1 Service Stations 86,836 120,576,285

2 Groceries Stores, Supermarkets 48,892 198,562,6223 Department Stores 30,389 108,915,986

4 Family Clothing Stores 28,706 153,026,075

5 Eating Places, Restaurants 28,171 59,491,707

6 Fast Food Restaurants 19,216 22,082,892

7 Shoe Stores 15,375 48,000,024

8 Drug Stores & Pharmacies 13,862 35,118,869

9 Bakeries 9,193 8,081,660

10 Mens & Boys Clothings Stores 8,885 46,091,965

Legends

ABL Allied Bank LimitedASK Askari Bank LimitedBAH Bank Al HabibBAF Bank AlFalahBIP BankIslami

BOP Bank of PunjabCIT Citi BankDUB Dubai Islamic Bank LimitedHBL Habib Bank LimitedFSB Faysal Bank Limited

KAS KASB Bank LimitedMBL Meezan BankMCB Muslim Commercial BankSCB Standard Chartered BankSLK Silk Bank Limited

SON Soneri Bank LimitedSUM Summit BankUBL United Bank Limited

* Note: These are Processed OK transactions including online transactions as other

0

50,000

100,000

150,000

200,000

250,000

BAF HBL MCB UBL Others

Acquirer POS

154101

152

1977

221

20 14

85 66 52 65

431

0

100

200

300

400

500

ABL ASK BAH BIP DUB FSB JSB KAS MBL SLK SON SUM UBL

Issuer Banks


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Confidential September 201


3.2. *Visa International- Bank Wise Transactions

3.2.1. Top 10 International Countries

0 20,000 40,000

ABL

ASK

BAH

BIP

DUB

FSB

JSB

KAS

MBL

SLK

SON

SUM

UBL

Total Transactions

Process OK

Country Transactions

United States 38,069

United Kingdom 13,457

Saudi Arabia 9,598

China 9,134

United Arab Emirates 9,082

European Union 5,677

Malaysia 2,987

Thailand 2,005

Canada 1,433

Kyrgyzstan 1,219

* Note: These are Processed OK transactions including online transactions,

*Others include those countries where less than 10 transactions were conducted.


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Confidential


3.2.2. Top 10 Merchant Wise (International Transactions)

S No Merchants Transactions Amount

1Civic, Social, Fraternal Associations 3,251 881,836

2Groceries Stores, Supermarkets 1,270 69,740

3Eating Places, Restaurants 810 31,407

4Electronic Stores 587 2,194

5Department Stores 559 87,578

6Computer Network Services 558 23,174

7Hotels, Motels, & Resorts 550 138,640

8Professional Services 537 48,859

9Fast Food Restaurants 506 11,698

10

Family Clothing Stores 459 57,275

3.3. VISA SMS Acquiring Service

UBL

Withdrawals Balance Inquiries Grand Total

Processed Ok 10,362 1,100 11,462

Total Number of Transactions 16,997 0 16,997

Success Percentage 60.96% 0.00% 67.44%

Amount PKR 139,126,500 139,126,500

3.3.1 Top Issuers

Bank Card Type City Country

Koera Exchange Debit Seoul South Korea

Firstrand Bank Limited Debit Johannesburg South Africa

ABSA Group Limited Debit Johannesburg South Africa

AL RAJHI BANKING AND INVESTMENT CORP. Debit Jeddah SAUDI ARABIA

NATIONAL BANK OF DUBAI PUBLIC JOINT STOCK COMPANY Debit Dubai UAE


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Confidential


4.0. UNIONPAY

4.1. UnionPay Transactions

HBL SUM

Withdrawals Balance Inquiries Withdrawals Balance Inquiries Grand Total

Processed Ok 253 61 83 15 412

Total Number of Transactions 298 68 93 21 480

Success Percentage 84.90% 89.71% 89.25% 71.43% 85.83%

Amount PKR 4,561,500 1,186,500 5,748,000


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Confidential


5.0. UTILITY BILL PAYMENT SERVICE (UBPS)

5.1. UBPS Banks Position

Member Bank Position Transactions

UBL1st Place

240,512

ASK2nd Place

115,521

HBL3rd Place

93,163

SCB4th Place

79,898

ABL5th Place

26,977

BAH6th Place

25,494

SON7th Place

14,231

FSB8th Place

13,067

BAF 9th Place 8,419

SUM10th Place

5,493

JSB11th Place

2,085

SLK12th Place

1,917

SAM13th Place

397

BUR14th Place

92

BAL15th Place

49

BAR16th Place

47

Legends

ABL Allied BankASK Askari BankSUM Summit BankBAF Bank Al FalahBAH Bank Al HabibJSB JS Bank

BAL Al Baraka BankFBL Faysal BankHBL Habib Bank LimitedBUR Burj BankCIT Citi Bank

SAM Samba BankSCB Standard Chartered Bank Pakistan LimitedSON Soneri Bank LimitedUBL United Bank LimitedSLK SILK Bank


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Confidential


5.2. UBPS Transactions

SSGC SNGPL LESCO KESC HESCO

ABL 814 2,300 2,750 915 0

ASK 17,810 40,914 18,580 9,016 2,906

BAF 122 466 813 223 5BAH 2,948 846 1,240 3,857 0

BAL 8 10 17 14 0

BAR 6 5 10 10 0

BUR 25 8 23 36 0

FSB 335 499 906 559 0

HBL 0 34,635 20,871 5,707 0

JSB 96 40 45 129 0

SAM 33 22 38 65 0

SCB 3,771 3,363 3,971 5,839 23

SLK 70 84 190 151 0

SON 785 552 917 839 109

SUM 382 374 268 567 0

UBL 97 199 238,884 153 0

Total 27,302 84,317 289,523 28,080 3,043

BanksSui- Gas Electricity

Post Pay Pre Pay Post Pay Pre Pay Post Pay Pre Pay Post Pay Pre Pay Vfone Defaulter Evo Post Pay Evo Pre Pay Land Line

Wateen Wi-Trib

ABL 1,538 8,662 3,017 3,929 795 2,089 0 0 0 0 0 0 0 168 0

ASK 961 5,526 2,018 3,017 495 1,301 89 537 62 37 25 629 517 10,299 782

BAF 392 1,853 1,865 1,406 267 474 71 362 100 0 0 0 0 0 0

BAH 1,173 4,945 2,429 2,431 553 1,290 80 742 64 0 0 0 0 2,652 244

BAL 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

BAR 3 0 1 0 0 0 0 0 0 0 0 0 0 9 3

BUR 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

FSB 839 3,076 2,047 1,823 343 677 53 41 44 33 26 599 181 730 256

HBL 2,785 19,517 2,814 3,827 661 2,346 0 0 0 0 0 0 0 0 0

JSB 125 659 233 365 60 160 0 0 0 0 0 0 0 173 0

SAM 28 100 40 11 5 26 0 0 0 0 0 3 1 25 0

SCB 6,267 27,285 10,249 10,932 2,185 5,242 8 33 110 1 2 43 10 410 154

SLK 133 353 276 286 65 106 4 78 0 0 0 14 4 103 0

SON 761 5,977 766 1,099 189 730 44 436 15 32 0 218 110 575 77

SUM 244 1,045 653 735 147 247 17 200 0 100 18 444 23 0 29

UBL 118 279 589 128 0 0 0 0 0 0 3 14 2 46 0

Total 15,367 79,277 26,997 29,989 5,765 14,688 366 2,429 395 203 74 1,964 848 15,190 1,545

Banks

UFONE WARID ZongTelenor

Telco's

PTCL


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Confidential


0

5,000

10,000

15,000

20,000

25,000

30,000

ABL ASK BAF BAH BAL BAR BUR FSB HBL JSB SAM SCB SLK SON SUM UBL

Ufone

Post- pay

Pre-pay

0

2,000

4,000

6,000

8,000

10,000

12,000


Warid

Post-pay

Pre-pay


19/25

Confidential


0

1,000

2,000

3,000

4,000

5,000

6,000


Telenor

Post-pay

Pre-pay

0

100

200

300

400

500

600

700

800


Zong

Post-pay

Pre-pay


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Confidential


0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

Sui-Gas

SSGC

SNCPL

0

50,000

100,000

150,000

200,000

250,000

300,000

ABL

ASK

BAF

BAH

BAL

BAR

BUR

FSB

HBL

JSB

SAM

SCB

SLK

SON

SUM

UBL

Electricity

LESCO

KESC

HESCO


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1LINK (Guarantee) Limited Page 22of 25 MIS Departm

6.1 Inter Switch Transactions

6.1.1. 1LINK on MNET 6.1.2. MNET on 1LINK


0 50,000 100,000

ABL

APN

ASK

BAF

BAH

BAL

BARBIP

BOK

BOP

BUR

CIT

DUB

FSB

HBL

HMB

JSB

KAS

KSF

MBL

NBP

NIB

SAMSCB

SIN

SLK

SON

SUM

TAM

UBL

Issuer Banks

0 10,000 20,000 30,000

ABL

APN

ASK

BAF

BAH

BAL

BAR

BIP

BOK

BOP

BUR

DUB

FSB

HBL

HMB

JSB

KAS

KSF

MBL

NBP

NIB

SAM

SCB

SIN

SLK

SON

SUM

TAM

UBL

Acquirer Banks


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7.0. MARKET OVERVIEW

7.1. 1LINK Products & Non-Financial Transactions

Following graph shows percentage portion of each 1LINK product, weighted by their number of transactions, including the Non-financial transactionsperformed over 1LINK.

Switch Withdrawal

65%IBFT

5%

VISA

4%

UBPS

5%

Non-Financial

21%


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7.2. 1LINK Trend Analysis

The following graph shows the trend analysis of day by day intra switch processed ok transactions.

Average

468,075483,291

437,459

388,106374,943

287,071

402,411

377,898361,169

371,495363,568

380,399

304,671

473,761

379,861

81,47596,390

118,353

187,939

171,121

259,783252,578239,820

245,038242,664

248,402

194,254

275,344

282,555279,433

371,332

-

100,000

200,000

300,000

400,000

500,000

600,000


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1LINK Monthly Statistical Report October 2013

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