THIRD QUARTER ENDING 30 SEPTEMBER 2017 HIGHLIGHTS REPORT NATIONAL PAYMENT SYSTEMS
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1 THIRD QUARTER ENDING 3 SEPTEMBER HIGHLIGHTS REPORT NATIONAL PAYMENT SYSTEMS OCTOBER
2 1. OVERVIEW 1.1 The value of transactions processed through the National Payment Systems in the second quarter 3 increased by 23% to US$26.26 billion from US$21.42 billion recorded in the previous quarter 3 June. The volumes increased by 44% to million from million during the same period. 1.2 The Table 1 below provides the statistical information on various payment streams for the third quarter 3 : Table 1: Consolidated Transactional Activities PAYMENT STREAM FIRST QUARTER ENDING 31 MARCH TRANSACTIONAL ACTIVITIES SECOND QUARTER ENDING 3 JUNE VALUES IN USD THIRD QUARTER ENDING 3 SEPTEMBER RTGS 12,93,537, ,499,231, ,161,64,631.4 CASH 998,285, ,171, ,42,26.31 CHEQUE 21,871, ,576, ,13, POS 1,88,236,92.5 1,583,489, ,829,556, ATMS 187,64, ,617, ,173, MOBILE 1,639,449, ,828,24, ,537,75, INTERNET 1,42,674, ,456,553,8.54 1,91,624,19.22 TOTAL 17,98,658, ,421,665, ,257,557, VOLUMES RTGS 1,9,519 1,42,517 1,682,991 CASH 6,136,384 6,787,535 6,543,855 CHEQUE 85,428 78,717 84,116 POS 32,832,343 47,685,61 61,47,99 ATMs 3,49,291 2,17,358 1,79,233 MOBILE 89,974,295 14,846, ,237,8 INTERNET 641, ,416 1,233,585 TOTAL 133,81, ,884, ,538,778 CHANGE FROM LAST QUARTER 11% -19% -8% 16% -41% 96% 31% 23% 18% -4% 7% 28% -21% 53% 38% 44% PROPORTION 61.55% 2.82%.6% 6.97%.27% 21.9% 7.24% 1%.59% 2.28%.3% 21.23%.59% 74.85%.43% 1% Page 2 of 1
3 RTGS Values in Billions RTGS Volumes in Thousamds 1.3 The RTGS, Cash, POS, Internet and Mobile payment streams recorded increases in both values and volumes for the current quarter whilst cash, cheque and ATMs registered decreases when compared to quarter 3 June. 2 LARGE VALUE PAYMENTS ZIMBABWE ELECTRONIC TRANSFER AND SETTLEMENT SYSTEM. 2.1 The value of transactions processed through the RTGS system for the third quarter 3 increased by 11% to US$16.16 billion from US$14.5 billion recorded in quarter 3 June while the volume of transactions registered an increase of 18% to 1,682,991 from 1,42,517 as shown in figure 1 below. Figure 1: Values and Volumes of RTGS Transactions June RTGS VALUES AND VOLUMES December Values March Volumes June 1,8 1,6 1,4 1,2 1, Page 3 of 1
4 Value in US$B Volumes in Thousands SWIFT Foreign Currency Transactions SWIFT foreign currency payments decreased by 41% to US$.83 billion for the quarter 3 from US$1.4 billion in the previous quarter 3 June. During the same period, SWIFT foreign currency receipts decreased by 15.7% to US$.87 billion from US$1.4 billion as shown in figure 2 below. 2.3 The net foreign currency inflows amounted to USD39.95 million in third 3 from a net outflow of US$ million recorded in second 3 June. 2.4 Trends in the quarterly transactions are as shown in Figure 2 below. Figure 2: SWIFT ly Foreign Currency Transactions (SWIFT) Cross Border lytransactions Dec 215 Mar June Value of Receipts Sept Dec Mar Value of Payments June Volumes of Payments Volumes of Receipts Sept 2 Page 4 of 1
5 US$ BILLIONS MILLIONS 3 CASH Over the Counter Cash Withdrawals. 3.1 The value of cash withdrawals decreased by 19% from USD.92 billion in the quarter 3 June to USD.74 billion recorded in quarter 3. The corresponding volumes decreased by 4% from 6.79 million to 6.54 million as shown in figure 3 below. Figure 3: Over the Counter Cash Withdrawals OVER THE COUNTER CASH WITHDRAWALS June December March June. Volumes Values Page 5 of 1
6 US$ Millions 4 RETAIL PAYMENTS. 4.1 Figures 4 and 5 below show the trend in the values and volumes of retail transactions from quarter 3 June to quarter 3. Figure 4: Values of Retail Transactions Retail Transactions Values 6, 5, 4, 3, 2, 1, June December March June CHEQUE POS ATMS MOBILE INTERNET CASH Page 6 of 1
7 Other Retai Volumes in Millions Mobile Volumes in Millions Figure 5: Volumes of Retail Transactions: 7. Retail transactions Volumes June December March June CHEQUE POS ATMs INTERNET CASH MOBILE 5 COLLATERAL. 5.1 The local collateral figure comprises of Cheque, Zimswitch, Chengetedzai Deposit Corporation settlement systems. The value of collateral increased to USD5.4 million in the third quarter from US$43.1 million recorded in the previous quarter June as shown in Figure 6 below. Page 7 of 1
8 MILLIONS Figure 6: Total Collateral Ending 3 June Ending 3 Ending 3 December Ending 31 March Ending 3 June Ending 3 Cheque Zimswitch CDC 6 Access Points and Devices Table 2 below shows the access points and devices from the quarter 3 June to the quarter 3. Table 2: Payment Systems Access Points and Devices Mobile Banking Agents PAYMENT SYSTEMS ACCESS POINTS Second June Third Fourth December First March Second June Third 34,351 37,131 4,59 4,54 42,12 44,793 ATMs POS 19,28 24,11 32,629 4,11 44,85 5,418 PAYMENT SYSTEMS ACCESS DEVICES Debit Cards 2,724,317 2,89,731 3,127,153 3,359,455 3,78,389 4,186,957 Credit Cards 14,299 14,813 16,3 16,945 17,51 17,86 Prepaid Cards 3,339 38,66 43,288 46,593 52,384 62,517 Mobile Banking Subscribers Internet Banking Subscribers 3,212,561 3,289,271 3,279,49 3,214,1 3,353,916 3,821, , , , ,92 25,14 25,681 Page 8 of 1
9 Thousands 6.2 The mobile banking agents increased to 44,793 in the third quarter 3 from 42,12 reported in the second quarter ended 3 June. 6.3 POS population increased to 5,418 from 44,85 in line with the promotion of electronic means of payment and ATM population increased to 563 from There were 3.82 million active mobile financial services subscribers registered in the period under review from 3.35 registered subscribers recorded in the previous quarter. Figure 7: Payment Access Points 6 PAYMENTS ACCESS POINTS June December March June POS Population ATM Population Mobile Banking Agents Page 9 of 1
10 Thousands Millions Figures 8: Payment Access Devices 5 PAYMENTS ACCESS DEVICES June December Debit Cards March June Mobile Active Subcribers Figure 9: Access Devices (Cont). 3 PAYMENTS ACCESS DEVICES June December March June Credit Cards Prepaid Cards Internet oooooo National Payment Systems Department 24 October Page 1 of 1
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