LEVEL:CONFIDENTIAL

1LINK MONTHLY STATISTICS

MAY -2013

Confidential & Unpublished Document

For official and 1LINK authorized institution use Only

All Rights Reserved - Copyrights 2008-13

1LINK (Guarantee) Limited

INDEX
1LINK Statistics Summary................................................................................................................................................................................................................................................................. 3
1.0.

Financial Shared ATM Transactions ................................................................................................................................................................................................................................ 4

1.1.

Intra Switch Transactions ........................................................................................................................................................................................................................................... 4

1.2.

Inter Switch Transactions ........................................................................................................................................................................................................................................... 5

1.2.1.
1.2.2.
1.3.

1LINK on MNET .................................................................................................................................................................................................................................................. 5

MNET on 1LINK .................................................................................................................................................................................................................................................. 5
Switch withdrawals transactions limit analysis ........................................................................................................................................................................................................ 6

1.3.1.
1.3.2.
1.3.3.
1.4.

1LINK on 1LINK .................................................................................................................................................................................................................................................. 6

1LINK on MNET .................................................................................................................................................................................................................................................. 6
MNET on 1LINK .................................................................................................................................................................................................................................................. 6
Top 10Statistics ............................................................................................................................................................................................................................................................ 7

1.4.1Top 10 Issuer 1LINK on 1LINK ......................................................................................................................................................................................................................................... 7

1.4.2. Top 10 Acquirer 1LINK on 1LINK.................................................................................................................................................................................................................................... 7
1.4.3 Top 10 Acquirer MNET on 1LINK .................................................................................................................................................................................................................................... 8
1.4.4 Top 10 Local ATM - Withdrawal Transaction ................................................................................................................................................................................................................... 9
1.4.5 Top 10 Local ATM - Withdrawal Amount ....................................................................................................................................................................................................................... 9
1.5.

Inter Bank Funds Transfer (IBFT) .................................................................................................................................................................................................................................. 10

1.6.
1.6.1.
1.6.2.
1.6.3.
1.6.4.
2.1.5.

Summary ..................................................................................................................................................................................................................................................................... 10
Number of Transactions .................................................................................................................................................................................................................................... 10
Transaction Amount .......................................................................................................................................................................................................................................... 11
IBFT via Internet................................................................................................................................................................................................................................................ 12
IBFT via Call Center .......................................................................................................................................................................................................................................... 12
IBFT via Mobile ................................................................................................................................................................................................................................................. 13

2.1.

IBFT Limit Analysis .................................................................................................................................................................................................................................................... 14

2.2.

IBFT Payments ........................................................................................................................................................................................................................................................... 14

2.3.1.

Credit Card Bill Payments ................................................................................................................................................................................................................................. 14

3.0. VISA Transactions ..................................................................................................................................................................................................................................................................... 15

3.1.
3.1.1.

Visa Local Transactions on POS .............................................................................................................................................................................................................................. 15

Top 20 Merchant Category (Local Transactions).............................................................................................................................................................................................. 16

3.2. *Visa International- Bank Wise Transactions ................................................................................................................................................................................................................... 17

3.2.1.
3.2.2.

Top 20 International Countries .......................................................................................................................................................................................................................... 17

Top 20 Merchant Wise (International Transactions) ......................................................................................................................................................................................... 18

3.3. VISA SMS Acquiring Service ............................................................................................................................................................................................................................................. 19

3.3.1 Top Issuers .................................................................................................................................................................................................................................................................... 19
4.0. UNIONPAY ................................................................................................................................................................................................................................................................................. 20
4.1. UnionPay Transactions ....................................................................................................................................................................................................................................................... 20
5.0. Utility Bill Payment Service (UBPS) ........................................................................................................................................................................................................................................ 21
5.1. UBPS Banks Position .......................................................................................................................................................................................................................................................... 21
5.2. UBPS Transactions ............................................................................................................................................................................................................................................................. 22
5.2.1. UBPS via ATM .............................................................................................................................................................................................................................................................. 23
5.2.2. UBPS via Call Center .................................................................................................................................................................................................................................................... 24
5.2.3. UBP via IVR .................................................................................................................................................................................................................................................................. 24
5.2.4. UBPS via Mobile ........................................................................................................................................................................................................................................................... 24
5.2.5. UBPS via Web .............................................................................................................................................................................................................................................................. 24
6.0. Non Financial Shared ATM Transactions ............................................................................................................................................................................................................................... 25
6.1.

Intra Switch Transactions ......................................................................................................................................................................................................................................... 25

6.1

Inter Switch Transactions ......................................................................................................................................................................................................................................... 26

6.1.1.
6.1.2.

1LINK on MNET ................................................................................................................................................................................................................................................ 26

MNET on 1LINK ................................................................................................................................................................................................................................................ 26

7.0. Market overview ........................................................................................................................................................................................................................................................................ 27

.1. 1LINK Products & Non-Financial Transactions .................................................................................................................................................................................................................. 27
7.2. 1LINK Trend Analysis .......................................................................................................................................................................................................................................................... 28

Confidential
1LINK (Guarantee) Limited

May 2013
Page 2 of 29

MIS Department

1LINK STATISTICS SUMMARY

1LINK
MNET
Financial Transactions
1LINK on 1LINK
1LINK on MNET
Mnet on 1LINK
IBFT
VISA Local (on POS)
VISA International
SMS Transactions
Orix Transactions (on POS)
UBPS Transactions
Total

Member Banks
32
4
Number of Transactions
5,386,624
592,054
723,317
526,309
329,804
33,906
2,410
641
532,002
8,127,067

Non Financial Transactions

1LINK on 1LINK
1LINK on MNET
MNET on 1LINK
Total

1,694,991
211,310
129,522
2,035,823

10,162,890

Grand Total

Number of ATMs
5,623
700+
Amount (PKR)
43,036,712,300
4,675,379,200
5,452,143,400
26,698,291,290
1,114,421,457
393,636,187
27,145,500
2,689,535
748,007,812
82,148,426,681

82,148,426,681

The average dollar rate for VISA International is Rs. 100.00.

Confidential
1LINK (Guarantee) Limited

May 2013
Page 3 of 29

MIS Department

1.0.

FINANCIAL SHARED ATM TRANSACTIONS

Issuer Banks

1.1.
ABL
APN
ASK
BAF
BAH
BAL
BAR
BIP
BOK
BOP
BUR
CIT
DUB
FSB
HBL
HMB
JSB
KAS
KSF
MBL
NBP
NIB
SAM
SCB
SIN
SLK
SON
SUM2
TAM
UBL
Total
% ACQ

Intra Switch Transactions

ABL
0
23
48,755
58,268
43,155
5,217
3,290
8,307
3,806
27,704
2,006
1,432
6,477
26,802
169,511
17,738
8,121
4,526
435
33,365
85,888
14,574
1,167
67,395
1,018
5,312
16,586
12,097
2,716
123,366
799,057
14.83%
ABL

APN
ASK
BAF
BAH
94
17,916
41,715
48,313
13
2
73
18
23
29,405
23,898
0
152
35,043
14,239
0
7
8,713
23,708
0
20
2,151
3,285
3,636
5
2,105
2,166
3,750
0
2,055
5,151
7,257
3
448
1,565
840
3
5,732
15,795
12,095
0
548
1,243
2,035
19
592
2,375
548
23
2,112
4,150
5,109
104
6,829
16,122
20,481
147
36,199
85,742
144,267
6
3,500
10,915
34,453
17
1,754
4,363
6,937
0
1,283
2,639
4,195
54
52
248
207
103
6,811
19,652
30,631
9
27,926
41,811
63,309
1
3,300
8,780
12,666
82
303
615
1,531
2
21,393
42,303
52,265
6
191
447
1,436
12
1,588
3,001
4,331
12
3,734
10,133
15,540
1
2,594
7,111
10,175
99
172
1,569
1,916
0
25,135
64,382
82,701
1,022
199,388 450,393 629,638
0.02%
3.70%
8.36%
11.69%
APN
ASK
BAF
BAH

BAL
2,918
9
1,416
2,071
2,380
0
248
306
113
487
123
11
249
1,172
5,231
1,050
368
373
4
1,336
2,192
678
94
3,382
47
297
708
1,000
0
3,402
31,665
0.59%
BAL

BAR
BIP
352
9,675
0
19
602
7,263
434
7,832
477
8,923
22
1,204
36
0
48
0
3
472
32
1,979
31
497
34
14
153
1,640
344
4,704
735
20,560
166
4,807
77
1,450
132
909
1
52
225
6,943
297
9,189
134
2,245
132
16
5,020
11,294
1
220
77
992
121
3,203
127
2,050
4
329
644
15,888
10,425
124,405
0.19%
2.31%
BAR
BIP

BOK
BOP
1,755
10,221
0
1
1,185
6,597
1,099
7,663
569
4,720
97
698
60
607
241
665
233
0
217
0
51
300
6
277
128
876
584
3,716
2,837
23,568
231
1,931
171
1,077
74
476
3
122
802
4,085
1,501
9,418
274
2,014
29
133
1,316
9,267
11
75
80
919
251
2,054
418
1,342
17
386
2,083
17,277
16,090
110,718
0.30%
2.06%
BOK
BOP

BUR
2,862
1
2,031
2,830
2,924
365
376
531
57
883
0
28
769
2,139
6,507
1,692
593
453
27
2,513
2,096
1,008
180
5,323
79
469
1,151
818
55
5,130
43,890
0.81%
BUR

CIT
13
0
7
107
74
1
11
7
0
0
27
0
6
40
65
63
2
10
0
20
6
18
4
279
0
5
4
6
0
38
813
0.02%
CIT

Acquirer Banks
DUB
FSB
HBL
3,418
22,994
62,877
0
39
0
3,019
17,220
41,097
3,061
22,236
39,152
3,540
17,767
46,403
426
1,838
3,206
352
2,056
2,765
726
2,675
7,050
80
671
1,598
915
8,230
20,211
250
1,018
1,517
24
453
820
3,131
5,003
0
19,050
2,079
247
6,487
47,829
0
1,549
8,952
18,411
533
4,481
6,061
357
2,392
3,211
12
143
261
2,144
13,382
22,793
3,279
19,959
78,662
892
5,564
9,899
153
702
1,022
5,401
30,687
51,858
65
339
952
452
2,830
4,211
1,055
7,054
15,314
792
4,658
9,104
47
472
2,222
4,718
39,203
97,502
45,826
289,222 572,232
0.85%
5.37%
10.62%
DUB
FSB
HBL

HMB
114
10
3,001
3,665
11,912
574
786
1,123
99
1,176
553
56
1,127
3,275
15,046
0
1,045
734
20
4,665
4,264
1,769
308
9,528
119
921
2,586
1,668
161
9,102
79,407
1.47%
HMB

JSB
6,514
4
4,029
4,650
4,802
626
433
831
58
1,961
230
31
681
2,489
12,865
1,664
0
548
53
3,158
7,103
1,353
142
6,608
322
535
2,033
2,135
250
9,336
75,444
1.40%
JSB

KAS
5,178
2
2,962
3,758
3,954
0
22
564
127
1,572
214
9
633
2,391
11,165
1,779
968
0
43
3,125
3,984
1,409
0
5,635
87
590
1,561
1,357
174
7,134
60,397
1.12%
KAS

KSF
MBL
NBP
NIB
231
22,570
11,429
9,303
0
18
2
13
89
14,142
19,221
5,877
128
16,131
6,667
7,676
182
22,243
5,856
6,942
14
3,150
564
744
15
1,697
367
787
20
4,301
1,500
1,023
2
1,082
424
242
89
6,312
3,794
3,037
4
1,079
219
360
0
438
71
72
23
2,976
709
1,000
92
11,739
2,634
4,196
412
48,376
29,860
20,348
83
11,162
1,756
3,214
3
3,353
884
1,174
6
1,626
485
882
172
43
75
0
3,116
6,087
107
0
114
8,847
24,105
0
74
6,371
1,567
0
3
682
128
291
149
29,522
6,864
10,642
1
344
224
206
32
2,244
618
876
58
6,779
2,304
2,627
42
4,506
1,330
1,764
2
682
300
251
323
36,763
18,907
12,552
2,298
284,565 121,843 111,108
0.04%
5.28%
2.26%
2.06%
KSF
MBL
NBP
NIB

SAM
SCB
1,837
13,882
2
2
1,437
11,983
1,728
14,907
1,936
12,746
200
1,491
298
3,128
262
1,705
27
280
731
4,133
117
724
32
418
471
2,583
1,288
9,907
3,719
30,943
901
7,147
409
2,809
247
1,621
13
46
1,013
8,589
1,764
8,334
573
4,514
647
0
3,533
0
23
203
336
2,467
544
4,644
456
3,124
28
238
3,196
22,460
27,121
175,675
0.50%
3.26%
SAM
SCB

SIN
931
1
525
900
491
99
234
105
13
389
39
3
125
244
1,808
215
155
87
2
309
910
492
22
1,255
0
74
313
283
14
1,485
11,523
0.21%
SIN

SLK
SON
SUM2
4,563
25,251
14,808
0
21
10
5,456
14,642
10,251
4,984
18,301
11,631
3,746
22,411
15,020
544
1,916
1,241
827
1,737
1,058
591
3,058
2,312
134
358
311
1,580
7,346
3,148
278
839
710
55
258
261
1,220
2,233
2,074
3,290
9,470
7,168
11,076
52,110
32,739
1,889
10,342
7,136
997
3,295
2,562
850
1,592
1,595
35
169
61
2,929
12,435
8,196
4,428
29,619
14,573
1,427
5,712
4,102
205
562
533
8,207
25,237
19,724
112
602
559
2,163
1,679
0
4,894
1,678
0
1,316
4,392
0
97
1,340
626
7,957
38,734
21,858
70,471
296,145 190,840
1.31%
5.50%
3.54%
SLK
SON
SUM2

TAM
UBL
TOTAL
58
59,197
341,792
0
33,230
283
53
39,489
276,186
22
33,700
289,335
217
3,113
275,818
4
2,783
33,333
19
6,165
29,235
23
2,282
52,437
0
18,862
13,046
0
1,583
129,551
1
869
15,013
0
4,402
8,337
1
18,469
45,682
44
130,164
162,640
65
14,555
820,217
24
5,647
152,776
4
3,189
53,663
6
336
31,309
0
24,369
2,353
44
63,573
198,578
18
10,095
453,605
1
932
91,411
12
48,628
9,698
166
695
434,255
0
3,830
7,689
1
12,990
37,112
13
7,814
106,954
6
3,148
74,672
0
14,167
0
59
671,335
33
861
554,142 5,386,624
0.02%
10.29%
TAM
UBL

% ISS
6.35%
0.01%
5.13%
5.37%
5.12%
0.62%
0.54%
0.97%
0.24%
2.41%
0.28%
0.15%
0.85%
3.02%
15.23%
2.84%
1.00%
0.58%
0.04%
3.69%
8.42%
1.70%
0.18%
8.06%
0.14%
0.69%
1.99%
1.39%
0.26%
12.46%

900,000

800,000

Number of Transactions

700,000

600,000

500,000

400,000

300,000

200,000

100,000

0
ABL APN ASK BAF BAH BAL BAR BIP BOK BOP BUR CIT DUB FSB HBL HMB JSB KAS KSF MBL NBP NIB SAM SCB SIN SLK SON SUM TAM UBL

Banks
Acquiring
Issuing

Legends
ABL
ASK
APN
BAL
BAR
BAF
BAH
SIN
BUR

Allied Bank Limited

Askari Bank Limited
Apna Microfinance Bank
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Ha2bib
Sindh Bank
Burj Bank

BIP
BOK
BOP
CIT
DUB
FSB
HBL
OIB

Bank Islami Pakistan

Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited
Oman International

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Habib Metropolitan Bank

JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

SAM
SCB
SLK
SON
SUM
TAM
UBL

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

Note: These are only Withdrawal plus Processed OK transactions

Confidential
1LINK (Guarantee) Limited

May 2013
Page 4 of 29

MIS Department

1.2.

Inter Switch Transactions

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
SUM2
TAM
UBL
Total

FWB
26
16
4
47
2
1
1
2
1
1
17
46
6
1
4
24
5
52
1
4
8
9
77
278

% ACQ 0.05%

1.2.2. MNET on 1LINK

Acquirer Banks
HSB
MCB
Total
%ISS
54,074
54,100 9.14%
13
13 0.00%
202
31,381
31,599 5.34%
31,759
31,763 5.36%
30,849
30,896 5.22%
3,042
3,042 0.51%
2,642
2,644 0.45%
4,497
4,498 0.76%
1,716
1,716 0.29%
19,674
19,675 3.32%
1,311
1,313 0.22%
1
541
543 0.09%
3,792
3,793 0.64%
16,641
16,658 2.81%
119,854 119,900 20.25%
12
12,967
12,985 2.19%
5,341
5,342 0.90%
2,941
2,941 0.50%
237
237 0.04%
21,936
21,940 3.71%
53
52,833
52,910 8.94%
9,219
9,224 1.56%
922
922 0.16%
47,985
48,037 8.11%
917
918 0.16%
2,944
2,948 0.50%
10,810
10,818 1.83%
8,111
8,120 1.37%
2,098
2,098 0.35%
90,384
90,461 15.28%
268
501,047 592,054
0.05%

84.63%

ABL
APN
ASK
BAF
BAH
BAL
BAR
BIP
BOK
BOP
BUR
CIT
DUB
FSB
HBL
HMB
JSB
KAS
KSF
MBL
NBP
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM
UBL
Total

% ISS

Issuer Banks
MCB
SME

HSBC
526
1,828
0
1
97
1,037
180
1,201
216
1,220
4
102
8
173
27
278
6
22
53
155
19
114
0
14
39
79
131
1,084
284
1,028
15
227
18
267
16
0
0
7
142
0
76
187
43
271
13
193
68
1,783
8
34
40
257
104
730
79
481
0
1
245
1,071
2,212 12,774
0.31% 1.77%
FWB

Acquirer Banks

Issuer Banks

1.2.1. 1LINK on MNET

113,136 108
161
0
22,437
20
56,589
56
80,131
62
3,656
0
1,071
0
13,678
20
1,972
6
14,680
19
4,066
1
77
0
4,760
2
33,466
62
87,553
78
11,430
4
8,907
3
7,051
11
251
0
35,016
50
14,324
14
12,376
32
2,710
4
20,543
21
1,505
0
7,622
5
41,889
20
23,331
16
63
0
81,892
58
624,451 614
86.33% 0.08%

Total

115,598
162
23,591
58,026
81,629
3,762
1,252
14,003
2,006
14,907
4,200
91
4,880
34,743
88,943
11,676
9,195
7,078
258
35,208
14,601
12,722
2,920
22,415
1,547
7,924
42,743
23,907
64
83,266
723,317

%ACQ
15.98%
0.02%
3.26%
8.02%
11.29%
0.52%
0.17%
1.94%
0.28%
2.06%
0.58%
0.01%
0.67%
4.80%
12.30%
1.61%
1.27%
0.98%
0.04%
4.87%
2.02%
1.76%
0.40%
3.10%
0.21%
1.10%
5.91%
3.31%
0.01%
11.51%

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR
FWB

Allied Bank Limited

Askari Bank Limited
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Habib
Sindh Bank
Burj Bank
First Women Bank

BIP
BOK
BOP
CIT
DUB
FSB
HBL
HSBC

Bank Islami Pakistan

Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited
Hong Kong Shanghai Bank

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Habib Metropolitan Bank

JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

SAM
SCB
SLK
SON
SUM
TAM
UBL

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

MCB

Muslim Commercial Bank

SME

Small Medium Enterprise

Note: These are only Withdrawal plus Processed OK transactions

Confidential
1LINK (Guarantee) Limited

May 2013
Page 5 of 29

MIS Department

1.3.

Switch withdrawals transactions limit analysis

1.3.1. 1LINK on 1LINK

Range
Less than and equals to Rs.5,000
More than Rs.5,000 but less than and equals to Rs.10,000
More than Rs.10,000 but less than and equals to Rs.20,000
More than Rs.20,000
Total Number of Transactions

Transactions

%
Amount in PKR
54.00%
7,801,303,700
21.60%
10,825,668,600
22.93%
22,436,492,000
1.47%
1,973,248,000
5,386,624
43,036,712,300

2,908,822
1,163,305
1,235,409
79,088

%
18.13%
25.15%
52.13%
4.59%

1.3.2. 1LINK on MNET

Range
Less than and equals to Rs.5,000
More than Rs.5,000 but less than and equals to Rs.10,000
More than Rs.10,000 but less than and equals to Rs.20,000
More than Rs.20,000
Total Number of Transactions

Transactions

%
Amount in PKR
54.28%
819,443,700
18.69%
986,827,500
27.02%
2,868,595,000
0.00%
513,000
592,054
4,675,379,200

321,388
110,659
159,987
20

%
17.53%
21.11%
61.36%
0.01%

1.3.3. MNET on 1LINK

Range
Less than and equals to Rs.5,000
More than Rs.5,000 but less than and equals to Rs.10,000
More than Rs.10,000 but less than and equals to Rs.20,000
More than Rs.20,000
Total Number of Transactions

Confidential
1LINK (Guarantee) Limited

Transactions

%
Amount in PKR
55.70%
1,108,497,400
24.79%
1,698,270,500
17.78%
2,333,254,000
1.74%
312,121,500
723,317
5,452,143,400

402,865
179,314
128,578
12,560

%
20.33%
31.15%
42.80%
5.72%

May 2013
Page 6 of 29

MIS Department

1.4.

Top 10Statistics

1.4.1Top 10 Issuer 1LINK on 1LINK

Member Bank

Number Of Transactions

HBL

950,338

UBL

671,434

NBP

517,272

SCB

482,963

ABL

400,989

BAF

328,695

BAH

309,663

ASK

309,411

MBL

222,898

FSB

181,028

1.4.2. Top 10 Acquirer 1LINK on 1LINK

Member Bank

Number Of Transactions

ABL

799,057

BAH

629,638

HBL

572,232

UBL

554,142

BAF

450,393

SON

296,145

FSB

289,222

MBL

284,565

ASK

199,388

SUM

190,840

Number of Transactions

800,000
700,000
600,000
500,000

400,000
300,000

200,000
100,000

0
ABL

BAH HBL

UBL

BAF SON
Banks

FSB

MBL ASK SUM

Number of Transactions

Confidential
1LINK (Guarantee) Limited

Page 7 of 29

1.4.3 Top 10 Acquirer MNET on 1LINK

Member Bank

Number Of Transactions

ABL

115,598

HBL

88,943

UBL

83,266

BAH

81,629

BAF

58,026

SON

42,743

MBL

35,208

FSB

34,743

SUM

23,907

ASK

23,591

Number of Transactions

140,000
120,000
100,000
80,000
60,000

40,000
20,000
0
ABL

HBL UBL BAH BAF SON MBL FSB SUM ASK

Banks

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR

Allied Bank Limited

Askari Bank Limited
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Habib
Sindh Bank
Burj Bank

BIP
BOK
BOP
CIT
DUB
FSB
HBL

Bank Islami Pakistan

Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited

Number of Transactions

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Habib Metropolitan Bank

JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

Confidential
1LINK (Guarantee) Limited

Page 8 of 29

SAM
SCB
SLK
SON
SUM
TAM
UBL

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

1.4.4 Top 10 Local ATM - Withdrawal Transaction

Member Bank
HBL
BAF
ABL
ABL
BAH
FSB
BAH
BAF
BOP
BOP

Position

Number Of Transaction

1st Place

8,360

2nd Place

8,172

3rd Place

6,757

4th Place

6,521

5th Place

6,385

6th Place

6,195

7th Place

6,106

8th Place

6,011

9th Place

5,846

10th Place

5,752

1.4.5 Top 10 Local ATM - Withdrawal Amount

Member Bank
HBL
BAF
BAH
BAH
ABL
UBL
BOP
BAF
BAH
SLK

Position

Amount

1st Place

64,621,000

2nd Place

63,165,000

3rd Place

56,502,000

4th Place

55,923,000

5th Place

55,839,000

6th Place

53,619,000

7th Place

52,610,000

8th Place

52,459,000

9th Place

51,729,000

10th Place

48,918,500

Confidential
1LINK (Guarantee) Limited

Page 9 of 29

1.5.

INTER BANK FUNDS TRANSFER (IBFT)

1.6.

Summary
ATM

Transactions
Volume

342612
179,89,454,413

Mobile
19,087
950,894,853

Call Center

Internet

3,253
164,931,950

Total

161,357
7,593,010,074

526,309
26,698,291,290

Receiving Banks

1.6.1. Number of Transactions

ABL
APN
ABL
0
0
APN
0
0
ASK
1,437
0
BAF
7,256
0
BAH
4,369
0
BAL
17
1
BIP
505
0
BOP
329
1
BUR
107
0
CIT
1
0
DUB
286
0
FSB
2,871
1
HBL 11,622
0
JSB
233
0
KAS
359
0
MBL 1,833
0
MCB
0
0
NIB
514
0
SAM
0
0
SCB
6,193
0
SIN
20
0
SLK
330
0
SON
1,166
1
SUM
323
0
TAM
92
0
UBL
4,596
0
Total 44,459
4
SEN % 8.45% 0.00%

ASK
7,976
0
0
9,722
6,609
54
571
462
73
3
283
4,063
14,285
420
666
1,203
0
633
4
7,117
25
429
1,143
409
330
6,278
62,758
11.92%

BAF
6,099
0
1,326
0
4,211
56
437
333
74
4
244
3,699
8,290
276
330
1,861
0
629
8
6,459
19
385
1,087
328
88
3,178
39,421
7.49%

Sending Banks
BAH
BAL
BIP
BOP BUR
CIT
DUB
8,186
64
447
663
115
11
239
4
0
0
0
0
0
0
1,561
17
100
160
24
3
89
9,061
78
602
880
196
83
361
0
97
507
369
146
16
368
112
0
4
9
2
0
8
618
10
0
25
27
3
42
305
8
14
0
4
0
22
109
4
15
10
0
2
19
0
1
0
0
0
0
0
338
6
32
28
26
1
0
4,452
59
233
427
116
3
249
15,494 116 1,036 1,311 279
26
537
570
5
26
41
25
0
53
519
7
25
38
18
0
39
3,819
91
211
287
130
0
184
0
0
0
0
0
0
0
922
12
39
69
32
0
60
21
5
0
4
0
0
0
7,267
130
434
601
259
80
832
90
3
1
4
1
0
2
491
24
40
73
29
3
62
1,921
23
96
83
39
9
87
720
7
22
54
0
0
54
1,408
1
54
2
40
0
27
6,209
57
306
590
136
13
160
64,197 825 4,244 5,728 1,644 253 3,494
12.20% 0.16% 0.81% 1.09% 0.31% 0.05% 0.66%

FSB
3,880
1
855
5,997
4,424
67
311
241
75
0
219
0
5,309
353
284
2,374
0
639
4
5,504
19
519
674
385
70
2,346
34,550
6.56%

HBL
6,899
0
2,329
6,523
5,709
108
727
381
93
1
337
2,912
0
375
384
793
0
542
0
7,560
40
439
1,618
328
236
3,867
42,201
8.02%

JSB
KAS
MBL MCB
946
403
523
0
0
0
0
0
239
131
272
0
1,401
586
863
0
1,031
559 1,251
0
36
4
12
0
96
28
127
0
47
12
67
0
23
10
16
0
0
0
0
0
58
37
94
0
713
319
771
0
1,926
858 1,393
0
0
56
119
0
89
0
82
9
492
219
0
0
0
5
0
0
70
66
94
0
3
6
1
0
1,545
591
876
0
22
6
4
0
100
43
95
0
226
84
172
0
143
50
58
0
60
5
5
0
847
417
512
0
10,113 4,495 7,407
9
1.92% 0.85% 1.41% 0.00%

NIB
SAM
882
11
0
0
288
4
1,110
15
1,113
52
32
0
95
4
49
1
41
8
0
0
80
8
687
29
1,680
41
89
5
103
10
345
17
0
0
0
4
6
0
1,647
50
13
0
158
5
219
7
92
0
8
0
709
9
9,446 280
1.79% 0.05%

SCB
SIN
10,340
29
0
0
3,886
5
12,514
17
10,794
43
0
2
1,317
3
719
0
327
2
2
0
156
0
7,848
19
19,819
63
1,330
2
1,185
4
1,084
11
0
0
2,087
3
0
0
0
50
0
0
1,445
2
3,115
7
1,910
9
845
0
8,610
67
89,333 338
16.97% 0.06%

SLK
649
0
175
659
586
6
62
22
30
0
75
387
1,386
71
48
232
0
99
0
1,429
1
4
140
54
1
431
6,547
1.24%

120,000

Number of Transactions

100,000
80,000
60,000
40,000
20,000
0

Banks

Sending
Receiving

Confidential
1LINK (Guarantee) Limited

Page 10 of 29

SON
3,329
0
599
4,463
3,866
38
258
128
64
1
106
1,968
5,143
230
184
1,919
0
262
1
2,568
47
170
0
229
557
2,538
28,668
5.45%

SUM
1,692
0
428
2,267
2,973
19
255
81
39
0
221
1,017
2,671
264
178
738
0
178
13
2,803
21
218
435
0
255
2,008
18,774
3.57%

TAM
429
0
6
177
174
0
38
0
0
0
1
64
278
24
4
22
0
0
0
32
1
1
137
9
0
486
1,883
0.36%

UBL
9,263
0
966
2,815
3,081
37
447
195
87
0
283
1,997
16,179
451
344
1,393
0
293
0
6,189
16
324
622
219
37
0
45,238
8.60%

Total
63,075
5
14,900
67,646
52,348
624
6,006
3,421
1,228
13
2,919
34,904
109,742
5,018
4,909
19,258
5
7,247
76
60,216
355
5,389
13,111
5,403
4,121
44,370
526,309

REC %
11.98%
0.00%
2.83%
12.85%
9.95%
0.12%
1.14%
0.65%
0.23%
0.00%
0.55%
6.63%
20.85%
0.95%
0.93%
3.66%
0.00%
1.38%
0.01%
11.44%
0.07%
1.02%
2.49%
1.03%
0.78%
8.43%

Receiving Banks

1.6.2. Transaction Amount

ABL
APN
ASK
BAF
BAH
BAL
BIP
BOP
BUR
CIT
DUB
FSB
HBL
JSB
KAS
MBL
MCB
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM
UBL
Total
SEN %

ABL
0
0
106,424,565
595,560,611
288,689,830
1,404,884
31,733,781
20,369,759
7,811,771
10,000
18,886,362
210,074,316
663,609,660
14,176,054
25,125,574
123,571,074
0
36,423,370
0
431,578,915
1,015,600
24,392,328
69,524,201
20,559,521
11,108,434
381,681,111
3,083,731,721
11.55%

Legends
ABL
APN
ASK
BAL
BAR
BAF
BAH
SIN
BUR

APN
0
0
0
0
0
200
0
5,000
0
0
0
1,900
0
0
0
0
0
0
0
0
0
0
10,000
0
0
0
17,100
0.00%

ASK
445,502,254
0
0
620,531,578
365,996,112
3,465,471
21,203,771
24,261,627
4,002,067
62,290
12,337,454
211,106,788
562,318,676
20,040,086
38,455,899
66,470,503
0
28,254,418
322,000
373,930,105
2,019,400
21,252,239
58,799,221
22,841,679
24,504,645
417,895,428
3,345,573,711
12.53%

BAF
430,694,701
0
102,272,449
0
269,235,703
4,105,940
26,813,739
25,545,489
5,277,918
33,910
14,706,903
240,480,545
438,954,897
16,912,417
24,991,287
105,157,508
0
39,864,287
148,000
424,562,124
2,366,945
28,228,373
66,872,632
26,907,388
10,615,600
253,156,387
2,557,905,142
9.58%

BAH
361,243,036
118,000
70,959,467
424,447,762
0
4,565,387
25,096,447
13,233,065
4,125,234
0
14,697,217
185,231,128
561,823,201
25,823,408
23,189,851
150,990,182
0
41,546,128
657,425
281,521,919
3,635,100
22,650,226
81,077,227
36,226,933
100,873,812
296,284,451
2,730,016,606
10.23%

Allied Bank Limited

Apna Microfinance Bank
Askari Bank Limited
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Habib
Sindh Bank
Burj Bank

BAL
5,333,292
0
908,400
4,923,267
5,040,304
0
1,023,000
941,451
96,670
7,600
245,000
2,181,440
5,016,040
119,000
249,500
3,726,815
0
464,057
51,110
6,352,939
82,000
4,760,000
1,258,170
193,818
125,000
5,219,400
48,318,273
0.18%

BIP
16,659,089
0
4,006,465
25,143,792
18,901,548
24,000
0
339,324
602,000
0
1,644,950
10,314,516
32,897,234
1,163,446
645,900
8,389,493
0
1,066,150
0
16,427,758
10,000
1,772,246
3,333,051
931,200
4,219,400
11,138,675
159,630,237
0.60%

BIP
BOK
BOP
CIT
DUB
FSB
HBL

BOP
58,716,908
0
15,235,275
79,117,623
30,549,372
1,008,000
1,670,506
0
924,301
0
2,037,677
28,870,730
87,407,419
5,310,000
3,688,000
20,434,991
0
7,237,450
214,700
47,783,590
1,000,000
4,294,305
6,470,065
7,345,000
100,000
60,081,635
469,497,547
1.76%

BUR
6,943,351
0
1,563,700
17,535,783
8,303,621
6,000
659,200
275,000
0
0
2,136,103
6,044,030
14,163,574
1,303,800
1,273,950
8,722,572
0
2,131,350
0
14,472,855
35,000
1,140,953
3,170,350
0
4,483,500
7,504,180
101,868,872
0.38%

Sending Banks
CIT
DUB
553,505 10,077,905
0
0
250,000 3,465,422
5,178,188 17,780,184
649,499 14,876,912
0
295,000
85,288
1,124,465
0
943,350
10,500
1,425,209
0
0
30,000
0
135,042 10,533,285
2,066,757 21,116,793
0
2,451,000
0
2,024,043
0
8,336,816
0
0
0
3,308,834
0
0
5,839,644 34,623,664
0
65,000
310,570 3,312,125
213,320 3,309,204
0
1,623,900
0
2,114,822
669,545 7,563,520
15,991,858 150,371,453
0.06%
0.56%

Bank Islami Pakistan

Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited

FSB
210,029,132
99,900
48,550,842
341,274,143
238,917,614
3,035,149
15,577,387
12,900,765
3,269,105
0
9,353,083
0
243,214,062
18,699,268
13,377,824
118,288,774
0
32,597,636
1,450
277,073,213
1,037,498
25,955,611
31,656,095
24,694,816
3,534,280
128,241,093
1,801,378,740
6.75%

HBL
225,110,494
0
70,840,877
238,227,035
175,049,214
2,356,170
26,614,463
12,825,123
2,351,463
2,000
12,051,278
100,890,048
0
14,592,300
13,624,415
29,896,199
0
17,747,002
0
261,348,912
1,617,000
15,444,558
49,026,846
9,786,464
16,063,708
135,720,850
1,431,186,419
5.36%

JSB
45,553,316
0
11,263,694
75,598,713
43,398,647
2,023,900
3,894,570
1,827,347
1,087,560
0
1,973,942
31,791,478
89,668,772
0
3,903,846
20,599,625
0
3,627,175
2,000
71,057,482
948,035
4,596,424
10,548,315
7,774,807
4,743,850
44,942,811
480,826,309
1.80%

HMB
JSB
KAS
KSF
MBL
NBP
NIB

KAS
36,648,346
0
15,027,851
50,694,350
38,908,626
340,000
2,138,865
342,285
114,800
0
3,483,520
20,430,648
70,583,458
5,838,321
0
13,726,437
7
3,334,190
328,500
41,874,503
421,231
3,084,100
11,529,323
3,769,363
656,000
45,150,297
368,425,021
1.38%

MBL
24,697,863
0
14,438,607
44,312,164
59,360,741
371,960
5,344,006
3,321,306
782,534
0
5,372,510
35,657,130
56,020,959
5,312,423
3,982,737
0
0
4,928,394
48,000
40,383,783
287,140
3,678,389
6,890,746
3,290,811
183,500
26,565,562
345,231,265
1.29%

MCB
0
0
0
0
0
0
0
0
0
0
0
0
0
0
261
0
0
0
0
0
0
0
0
0
0
0
261
0.00%

NIB
43,977,537
0
17,107,859
60,929,930
49,374,566
2,194,300
3,530,363
1,941,600
1,631,731
0
4,133,964
29,645,863
61,854,975
4,029,198
4,798,878
13,840,927
0
0
180,001
78,520,169
1,061,000
6,139,607
6,849,627
4,814,427
490,000
33,815,481
430,862,003
1.61%

Habib Metropolitan Bank

JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

Confidential
1LINK (Guarantee) Limited

SAM
176,230
0
40,000
739,930
3,093,136
0
266,000
10,000
1,265,000
0
142,548
1,384,778
2,708,500
82,300
871,000
980,500
0
78,250
0
1,878,000
0
124,873
98,675
0
0
306,350
14,246,070
0.05%

Page 11 of 29

SCB
512,563,126
0
188,040,051
777,215,476
506,038,507
0
58,297,214
38,113,996
19,021,209
28,500
7,189,818
393,382,651
828,397,145
66,668,599
60,297,357
49,978,718
0
125,517,781
0
0
0
80,563,658
150,345,314
113,134,156
58,487,569
486,657,463
4,519,938,308
16.93%

SIN
1,100,260
0
336,000
698,330
1,602,120
16,000
54,100
0
1,190
0
0
560,530
2,181,180
90,000
80,200
474,100
0
9,000
0
1,667,920
0
29,305
223,100
610,000
0
3,467,080
13,200,415
0.05%

SLK
46,083,959
0
10,505,685
44,913,842
34,153,737
398,330
2,536,592
583,481
2,179,400
0
3,904,450
21,610,862
78,258,273
3,489,119
2,425,249
13,226,839
0
5,877,433
0
87,081,466
17,000
1,453,000
10,728,491
17,545,357
20,000
24,933,231
411,925,796
1.54%

SAM
SCB
SLK
SON
SUM
TAM
UBL

SON
191,037,272
0
28,877,358
262,913,974
193,569,302
1,822,800
9,191,366
6,633,747
1,973,193
33,300
4,277,067
83,303,733
227,214,915
11,428,307
8,145,884
81,650,678
0
11,601,938
20,000
120,760,910
2,130,510
9,357,594
0
12,335,326
23,530,275
150,997,674
1,442,807,123
5.40%

SUM
93,337,973
0
22,564,658
127,388,064
139,832,195
505,900
14,897,023
2,528,733
1,436,099
0
22,209,134
49,679,219
108,658,973
9,103,531
9,297,471
32,096,942
0
8,846,708
467,100
137,030,786
870,860
10,458,642
16,270,915
0
22,533,495
111,059,506
941,073,927
3.52%

TAM
63,411,114
0
372,200
22,899,835
28,146,049
0
5,348,761
0
0
0
21,000
8,858,710
41,969,577
2,335,500
289,800
1,602,480
0
0
0
2,525,300
103,000
50,000
14,508,525
1,563,200
0
79,310,638
273,315,689
1.02%

UBL
250,879,294
0
38,309,218
127,058,724
125,468,673
1,234,650
19,190,348
6,106,896
4,715,826
0
12,552,939
88,062,378
473,043,445
21,703,692
19,038,951
60,688,651
0
10,986,790
0
253,011,938
783,500
11,703,356
25,124,265
9,586,990
1,700,900
0
1,560,951,424
5.85%

Total
3,080,329,957
217,900
771,360,643
3,965,083,298
2,639,156,028
29,174,041
276,291,255
173,049,344
64,104,780
177,600
153,386,919
1,770,231,748
4,673,148,485
250,671,769
259,777,877
932,850,824
7
385,448,341
2,440,286
3,011,307,895
19,505,819
284,752,482
627,837,678
325,535,156
290,088,790
2,712,362,368
26,698,291,290

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

REC %
11.54%
0.00%
2.89%
14.85%
9.89%
0.11%
1.03%
0.65%
0.24%
0.00%
0.57%
6.63%
17.50%
0.94%
0.97%
3.49%
0.00%
1.44%
0.01%
11.28%
0.07%
1.07%
2.35%
1.22%
1.09%
10.16%

1.6.3. IBFT via Internet

ABL
APN
ASK
BAF
BAH
BAL
BIP
BOP
BUR
CIT
DUB
FSB
HBL
JSB
KAS
MBL
NIB
SAM
SCB
SIN
SLK
SON
SUM2
TAM
UBL
Total
SEN %

ABL
517
1,806
1,333
175
147
50
1
146
858
3,415
95
143
500
174
3,262
7
172
425
186
16
1,440
14,868
9.21%

Number of Transactions

ASK
1,965
2,227
1,412
222
167
37
2
117
1,140
4,064
154
239
211
3,627
242
235
203
168
1,856
18,288
11.33%

BAF
182
81
173
5
16
18
1
1
12
133
286
29
14
161
37
678
7
25
46
41
2
99
2,047
1.27%

BAH
1,385
2
427
1,701
40
221
53
37
133
957
3,429
163
145
1,048
203
2,873
21
159
522
243
537
1,438
15,737
9.75%

BUR
43
11
49
51
15
8
47
100
12
6
40
8
142
6
21
31
63
653
0.40%

Sending Banks
CIT HBL JSB
11 1,505 259
3 688 77
82 1,387 324
16 836 282
34 23
2 216 41
73 21
2
24 15
1 129 33
2 551 222
20 488
124 129 36
436 134
164 28
3
77 3,527 796
12 18
3 155 51
9 402 58
111 54
53 10
11 1,040 302
239 11,596 3,275
0.15% 7.19% 2.03%

NIB
331
97
363
345
20
30
19
21
37
216
593
26
37
126
789
2
76
90
55
2
314
3,589
2.22%

SCB
8,227
3,231
9,355
8,615
1,131
593
271
6,244
15,629
1,128
998
1,648
1,186
2,636
1,702
684
7,198
70,476
43.68%

SLK
169
50
209
162
3
19
4
14
34
96
345
41
43
53
23
574
1
48
23
139
2,050
1.27%

SON
491
132
587
627
7
112
29
21
1
50
289
1,090
52
64
252
88
1,034
17
57
65
2
343
5,410
3.35%

1.6.3.2.
SUM
312
117
444
533
8
42
21
9
26
252
641
71
46
193
48
6
1,005
8
94
101
7
372
4,356
2.70%

UBL
794
322
684
759
101
76
31
134
371
2,521
124
91
273
81
1,978
127
188
101
17
8,773
5.44%

Total
15,674
2
5,753
19,218
15,144
140
2,343
1,221
533
5
860
11,378
32,621
2,019
1,991
3,216
2,713
9
20,362
93
2,353
4,781
2,784
1,529
14,615
161,357

REC %
9.71%
0.00%
3.57%
11.91%
9.39%
0.09%
1.45%
0.76%
0.33%
0.00%
0.53%
7.05%
20.22%
1.25%
1.23%
1.99%
1.68%
0.01%
12.62%
0.06%
1.46%
2.96%
1.73%
0.95%
9.06%

ABL

Receiving Banks

Receiving Banks

1.6.3.1.

ABL
APN
ASK
BAF
BAH
BAL
BIP
BOP
BUR
CIT
DUB
FSB
HBL
JSB
KAS
MBL
NIB
SAM
SCB
SIN
SLK
SON
SUM2
TAM
UBL
Total
SEN %

30,555,998
133,192,038
70,567,073
7,402,152
6,549,295
2,082,830
10,000
9,316,479
51,812,273
168,059,588
5,252,074
10,550,111
33,919,004
11,828,579
206,159,166
76,300
11,155,230
22,053,623
10,657,311
1,831,134
111,675,885
904,706,143
11.91%

Volume

ASK
BAF
83,600,044 13,135,025
- 3,294,986
123,111,828
65,332,824 10,367,953
296,490
6,608,677 741,160
6,671,122 416,500
1,354,046 15,000
47,290
500
4,657,335 797,815
50,452,718 8,350,023
140,646,045 12,412,481
5,286,825 1,114,250
13,244,604 763,300
- 10,555,634
7,118,359 2,786,369
174,087,475 37,291,217
- 1,078,300
9,338,346 1,731,340
12,747,911 1,548,375
9,501,701 1,981,671
9,726,165 40,500
100,265,734 5,105,327
823,799,049 113,824,216
10.85% 1.50%

BAH
BUR
CIT
52,542,730 3,316,501 553,505
13,500
16,787,956 393,900 250,000
73,547,225 6,132,120 4,928,188
- 2,838,206 649,499
1,343,775
7,651,073 378,900 80,918
1,827,804
1,127,853
10,500
5,281,111 570,197 30,000
34,128,928 1,785,292 135,000
107,463,169 5,778,044 1,734,471
6,870,233 680,000
4,820,372 790,950
37,693,498 2,591,111
6,877,345 505,000
103,170,927 7,878,565 5,721,178
421,950
6,421,477 222,700 310,570
19,146,475 1,876,850 213,320
10,356,561
35,343,710 3,201,500
60,277,083 3,079,260 514,545
593,114,755 42,019,096 15,131,694
7.81% 0.55% 0.20%

Sending Banks
HBL
JSB
NIB
SCB
51,124,636 10,729,790 17,111,476 406,941,376
20,870,117 2,652,728 4,641,887 150,728,460
46,942,635 15,524,229 22,517,025 599,119,424
24,983,321 9,537,165 12,443,506 409,364,959
853,590 1,264,200 1,543,800
8,869,957 1,314,970 1,319,263 51,953,531
2,250,492 771,570 1,000,060 32,992,117
618,683 720,110 343,231 16,166,919
5,065,816 784,374 1,708,764
16,891,052 9,469,131 8,534,859 323,930,191
- 16,744,013 21,773,394 677,036,296
4,616,190
- 1,085,788 58,329,784
4,279,923 1,687,856 1,199,477 53,119,775
18,004,591 4,515,541 5,383,772
5,858,210 1,691,400
- 98,006,980
2,000
125,703,995 29,114,731 41,143,380
648,100 603,035 39,000
6,024,933 2,508,274 2,674,094 69,219,870
12,781,101 1,328,354 2,532,105 133,044,846
2,876,152 1,891,984 2,805,427 103,872,078
3,831,000 653,950 50,000 43,745,712
34,263,743 12,859,387 14,063,352 401,675,414
397,358,237 126,368,792 163,913,660 3,629,247,732
5.23% 1.66% 2.16%
47.80%

SLK
SON
SUM
UBL
Total
6,605,555 22,155,603 13,755,289 23,160,667 704,732,197
- 13,500
2,465,615 3,568,688 4,470,984 10,622,813 251,304,132
11,201,980 28,098,509 20,919,488 23,499,896 1,108,734,585
6,498,836 31,439,221 17,387,584 23,691,206 685,101,353
66,330 303,000 238,600
- 5,909,785
769,160 3,606,051 1,453,590 2,513,026 94,662,428
158,957 1,287,100 351,950 1,904,875 56,181,842
992,600 620,740 291,725 1,631,091 25,975,328
33,300
- 91,090
1,559,607 1,818,567 906,639 4,451,773 36,948,477
3,513,100 11,715,365 10,477,654 10,746,687 541,942,273
14,398,514 38,266,433 20,946,730 80,319,452 1,305,578,630
1,936,479 3,674,272 1,773,176 4,108,143 94,727,214
2,121,979 3,226,555 1,927,107 3,640,659 101,372,668
2,149,989 12,764,736 7,308,554 8,570,528 143,456,958
1,856,890 3,049,658 1,863,900 2,210,403 143,653,093
120,000
- 122,000
29,404,053 45,151,358 40,947,465 63,547,867 909,321,377
17,000 1,069,300 364,710
- 4,317,695
- 2,923,094 4,000,413 3,837,111 120,367,452
1,861,242
- 3,203,870 5,160,684 217,498,756
1,306,877 3,141,246
- 4,356,781 152,747,789
121,000 556,000 498,000 99,598,671
9,030,267 17,848,544 17,992,240
- 788,650,781
97,915,030 235,882,340 171,257,668 278,471,662 7,593,010,074
1.29% 3.11% 2.26% 3.67%

REC %
9.28%
0.00%
3.31%
14.60%
9.02%
0.08%
1.25%
0.74%
0.34%
0.00%
0.49%
7.14%
17.19%
1.25%
1.34%
1.89%
1.89%
0.00%
11.98%
0.06%
1.59%
2.86%
2.01%
1.31%
10.39%

1.6.4. IBFT via Call Center

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR

ABL
ASK
BAF
BAH
BAL
BIP
BOP
BUR
DUB
FSB
HBL
JSB
KAS
MBL
NIB
SCB
SIN
SLK
SON
SUM
TAM
UBL
Total
SEN %

Number of Transactions

1.6.4.2.

Sending Banks
DUB
FSB
NIB
SON Total REC %
178
3
47
27
255
7.84%
67
0
27
9
103
3.17%
232
1
47
43
323
9.93%
246
11
57
26
340 10.45%
0
0
0
1
1
0.03%
33
0
0
0
33
1.01%
14
0
1
0
15
0.46%
12
1
0
1
14
0.43%
0
0
6
0
6
0.18%
159
0
33
19
211
6.49%
366
6
81
43
496 15.25%
38
2
8
0
48
1.48%
27
0
13
4
44
1.35%
122
2
8
18
150
4.61%
32
3
0
2
37
1.14%
673
11
64
38
786 24.16%
2
0
0
0
2
0.06%
47
5
3
0
55
1.69%
64
0
14
0
78
2.40%
28
1
2
10
41
1.26%
27
0
3
2
32
0.98%
110
1
57
15
183
2,477
47
471
258 3,253
76.15% 1.44% 14.48% 7.93%

Allied Bank Limited

Askari Bank Limited
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Habib
Sindh Bank
Burj Bank

BIP
BOK
BOP
CIT
DUB
FSB
HBL

Bank Islami Pakistan

Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited

Receiving Banks

Receiving Banks

1.6.4.1.

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Volume

DUB
ABL
6,857,530
ASK
2,410,722
BAF 10,676,529
BAH 8,682,470
BAL
0
BIP
855,715
BOP
692,500
BUR
830,209
DUB
0
FSB
5,208,715
HBL 13,256,201
JSB
1,973,700
KAS
1,693,543
MBL 5,041,041
NIB
2,022,374
SCB 26,925,407
SIN
65,000
SLK
2,461,325
SON 1,718,804
SUM
751,200
TAM 2,114,822
UBL
4,488,020
Total 98,725,827
SEN %
59.86%

Habib Metropolitan Bank

JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

Confidential
1LINK (Guarantee) Limited

FSB
43,000
0
80,000
307,510
0
0
0
46,000
0
0
70,000
19,000
0
58,000
19,000
200,500
0
9,850
0
10,000
0
20,000
882,860
0.54%

Page 12 of 29

Sending Banks
NIB
SON
4,757,645 2,178,425
5,037,385
780,000
5,382,570 3,467,670
6,731,194 1,966,810
0
20,000
0
0
26,700
0
0
19,000
842,000
0
3,331,825 1,052,430
5,986,380 2,019,410
556,310
0
1,570,000
160,000
511,558
531,300
0
18,000
6,571,750 3,078,200
0
0
276,500
0
863,375
0
180,000
975,000
347,000
11,300
5,510,026
563,500
48,482,218 16,841,045
29.40%
10.21%

SAM
SCB
SLK
SON
SUM
TAM
UBL

Total
13,836,600
8,228,107
19,606,769
17,687,984
20,000
855,715
719,200
895,209
842,000
9,592,970
21,331,991
2,549,010
3,423,543
6,141,899
2,059,374
36,775,857
65,000
2,747,675
2,582,179
1,916,200
2,473,122
10,581,546
164,931,950

REC %
8.39%
4.99%
11.89%
10.72%
0.01%
0.52%
0.44%
0.54%
0.51%
5.82%
12.93%
1.55%
2.08%
3.72%
1.25%
22.30%
0.04%
1.67%
1.57%
1.16%
1.50%

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

2.1.5. IBFT via Mobile

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR

ABL
ASK
BAF
BAH
BAL
BIP
BOP
BUR
DUB
FSB
HBL
JSB
KAS
MBL
MCB
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM
UBL
Total
SEN %

SON
1,210
240
1,931
2,069
14
78
52
18
12
1,081
1,815
105
53
1,238
60
716
22
36
70
534
1,446
12,800
67.06%

SUM
64
15
80
107
8
3
3
7
44
133
10
4
52
27
73
2
1
19
8
67
727
3.81%

Allied Bank Limited

Askari Bank Limited
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Habib
Sindh Bank
Burj Bank

Sending Banks
FSB
JSB SIN KAS MCB
422 20
11 142 1
4 694 14
19 513
2
31
18 7 45 1
5 59 35 1 47 1 3
11
28 661
3
37
25 47 1
1 65 1 9
327 6
12 5 62 3
4 4 1,298 38
36 3 2 81 2
7 122 4
1 119 6
3 7 1 348
1
60
14 5,108 9
236 198
9
26.76% 0.05% 1.24% 1.04% 0.05%

BIP
BOK
BOP
CIT
DUB
FSB
HBL

2.1.5.2. Volume
Total
1,716
398
2,719
2,722
21
132
114
56
66
1,139
2,649
163
123
1,623
0
152
4
2,125
27
120
145
195
549
1,922
19,087

Bank Islami Pakistan

Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited

REC %
8.99%
2.09%
14.25%
14.26%
0.11%
0.69%
0.60%
0.29%
0.35%
5.97%
13.88%
0.85%
0.64%
8.50%
0.00%
0.80%
0.02%
11.13%
0.14%
0.63%
0.76%
1.02%
2.88%
10.07%

Receiving Banks

Receiving Banks

2.1.5.1. Number of Transactions

HMB
JSB
KAS
KSF
MBL
NBP
NIB

ABL
ASK
BAF
BAH
BAL
BIP
BOP
BUR
DUB
FSB
HBL
JSB
KAS
MBL
MCB
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM
UBL
Total
SEN %

SON
70,122,546
10,906,788
110,142,605
101,024,082
586,500
3,075,075
2,417,947
247,592
264,100
41,447,814
90,510,280
4,212,083
1,994,609
47,994,855
2,362,260
31,963,227
521,410
1,420,091
2,333,890
21,574,925
86,715,019
631,837,698
66.45%

SUM
1,901,526
620,600
3,033,224
3,878,673
273,801
20,750
46,000
208,000
1,733,564
3,401,760
30,350
350,000
1,958,661
567,100
1,922,474
42,000
20,200
464,885
378,200
2,319,660
23,171,428
2.44%

Habib Metropolitan Bank

JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

Confidential
1LINK (Guarantee) Limited

Sending Banks
FSB
JSB
22,928,631
7,466,946
47,403,339
28,456,418 18,500
196,100
1,744,168
3,603,640
1,662,817
1,437,600
44,001
32,511,082 67,000
1,617,018
2,524,184
17,656,807
2,974,683
1,450
71,705,492
223,000
2,411,499
4,447,873
8,917,422
228,500
19,944,526 8,000
280,063,195 137,501
29.45% 0.01%

Page 13 of 29

SAM
SCB
SLK
SON
SUM
TAM
UBL

SIN
KAS
MCB
462,260 698,860 6,000
78,950 498,330 710,000 1,070,620 393,120 5,000 358,000 4,000 99,554 154,010 1,656,200 1,535,880 409,326 85,000
8,000 4,000
261
197,100 364,550 7 9,000 133,600 1,358,020 881,548 6,000 29,305 188,550 141,000
5,000 390,000
79,000 50,000 3,145,480 469,500 9,091,005 6,593,765 261
0.96%
0.69% 0.00%

Total
95,414,963
19,000,334
161,077,498
134,448,293
782,600
5,098,044
6,042,337
1,956,409
1,909,700
43,379,389
128,026,002
5,944,451
4,872,793
67,807,423
0
5,913,043
1,450
106,949,213
786,410
3,881,095
5,053,758
11,641,312
22,181,625
112,132,685
950,894,853

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

REC %
10.03%
2.00%
16.94%
14.14%
0.08%
0.54%
0.64%
0.21%
0.20%
4.56%
13.46%
0.63%
0.51%
7.13%
0.00%
0.62%
0.00%
11.25%
0.08%
0.41%
0.53%
1.22%
2.33%
11.79%

2.1.

IBFT Limit Analysis

Range
Less than and equals to Rs.50,000
More than Rs.50,000 but less than and equals to Rs.100,000
More than Rs.100,000 but less than and equals to Rs.150,000
More than Rs.150,000 but less than and equals to Rs.200,000
More than Rs.200,000 but less than and equals to Rs.250,000
More than Rs.250,000
Total Number of Transactions

2.2.

Transactions
%
Amount in PKR
365,977 69.54%
7,378,816,126
109,602 20.82%
9,528,848,949
18,653 3.54%
2,501,079,798
13,524 2.57%
2,571,487,079
17,641 3.35%
4,325,571,974
912 0.17%
392,487,364

526,309

IBFT Payments

2.3.1. Credit Card Bill Payments

Bank
HBL

Transactions

Amount
58

902,276

Confidential
1LINK (Guarantee) Limited

Page 14 of 29

26,698,291,290

%
27.64%
35.69%
9.37%
9.63%
16.20%
1.47%

3.0. VISA TRANSACTIONS

Issuer Banks

3.1.

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

Visa Local Transactions on POS

BAF
25,833
18,568
19,375
3,824
8,355
27,863
5,083
3,123
21,746
9,137
11,492
10,414
32,118
196,931

CIT
0
0
1
0
0
0
0
0
0
0
0
0
1
2

Acquirer POS
*All
Valid Rejection + Successful % after Amount for
Total
HBL MCB SCB UBL Others
Valid rejections
Processed OK
Processed Ok
Processed Ok
11,056 19 12,639 11
127
49,685
40,322
43,322
87.19%
129,688,241
8,185
11
8,177
2
76
35,019
30,560
31,543
90.07%
111,351,608
8,737
6
10,075 3
71
38,268
34,261
35,944
93.93%
117,214,497
1,685
0
2,160
0
12
7,681
6,542
6,936
90.30%
19,296,947
3,338
7
3,424
3
69
15,196
14,370
14,911
98.12%
54,986,346
11,054 24 10,392 1
224
49,558
44,012
46,771
94.38%
152,547,325
2,153
8
2,113
0
19
9,376
8,498
8,850
94.39%
25,619,928
1,396
0
1,474
0
12
6,005
5,441
5,676
94.52%
18,487,894
9,330
3
9,975
0
63
41,117
38,843
40,111
97.55%
132,087,085
3,495
0
3,587
0
42
16,261
14,227
15,040
92.49%
52,602,347
5,730
6
6,182
1
87
23,498
20,137
21,028
89.49%
66,182,632
4,672
5
5,029
1
65
20,186
17,912
18,532
91.81%
56,281,931
13,126 14 13,080 44
503
58,886
54,679
57,316
97.33%
178,074,676
83,957 103 88,307 66 1,370 370,736
329,804
345,980
93.32% 1,114,421,457

ABL

UBL

ASK

SUM

SON
BAH
SLK

DUB

MBL
JSB

FSB

KAS

Confidential
1LINK (Guarantee) Limited

Page 15 of 29

BIP

3.1.1. Top 20 Merchant Category (Local Transactions)

S No

Merchants

Transactions

Service Stations

Groceries Stores, Supermarkets

Department Stores

Family Clothing Stores

Eating Places, Restaurants

Fast Food Restaurants

Drug Stores & Pharmacies

Shoe Stores

Bakeries

10

Hospitals

11

Mens & Boys Clothing Store

12

Mens, Women Clothing Store

13

Misc. Apperall & Acessory Shops

14

Hotels, Motels, & Resorts

15

Misc. Genral Merchandise

16

Sewing, Needlework, Fabric, and Piece Goods Stores

17

Telecomunications Services

18

Cosmetic Stores

19

Womens Ready-To-Wear Stores

20

Childrens and Infants Wear Stores

Amount

85052

108482048

45106

179338329

26731

90530182

25967

131557178

25540

50650096

16652

17768818

11665

27229589

11013

30010187

8736

6676100

6531

60269772

5849

28869226

5799

32656400

4465

19969870

3885

31662019

3742

20580921

2977

15163465

2652

7024626

2622

11142794

2464

16862397

2344

11683852

Legends
ABL
ASK
BAH
BAF
BIP

Allied Bank Limited

Askari Bank Limited
Bank Al Habib
Bank AlFalah
BankIslami

BOP
CIT
DUB
HBL
FSB

Bank of Punjab
Citi Bank
Dubai Islamic Bank Limited
Habib Bank Limited
Faysal Bank Limited

KAS
MBL
MCB
SCB
SLK

KASB Bank Limited

Meezan Bank
Muslim Commercial Bank
Standard Chartered Bank
Silk Bank Limited

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

Confidential
1LINK (Guarantee) Limited

Page 16 of 29

SON
SUM
UBL

Soneri Bank Limited

Summit Bank
United Bank Limited

3.2. *Visa International- Bank Wise Transactions

Total Transactions

Process Ok

8,910
4,939
5,291
994
3,280
6,123
805
657
2,933
1,622
3,467
2,100
40,123
81,244

3,191
2,401
2,844
369
1,901
2,952
573
264
1,870
583
1,355
820
14,783
33,906

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

Valid Rejections +
Processed OK
7,878
3,101
4,956
879
3,066
5,415
778
400
2,664
1,338
2,725
1,848
32,691
67,739

Successful % after
Valid Rejections
88.42%
62.79%
93.67%
88.43%
93.48%
88.44%
96.65%
60.88%
90.83%
82.49%
78.60%
88.00%
81.48%
84%

Amount (USD)
377,618
287,830
328,594
49,972
290,251
427,498
102,189
42,588
248,068
66,695
163,691
168,764
1,382,603
3,936,362

3.2.1. Top 20 International Countries

Country

Transactions

United States

34,188

China

9,531

United Arab Emirates

8,452

United Kingdom

7,373

Saudi Arabia

4,749

Malaysia

2,762

European Union

2,362

Kyrgyzstan

1,456

Thailand

1,439

Canada

1,177

Bahrain

921

Turkey

877

India

672

Australia

533

Oman

493

Qatar

471

South Africa

321

Sri Lanka

247

Bangladesh

246

Indonesia

218

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

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

Confidential
1LINK (Guarantee) Limited

May 2013
Page 17 of 29

MIS Department

3.2.2. Top 20 Merchant Wise (International Transactions)

S No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Merchants

Transactions

Grocery Stores, Supermarkets

Amount

1,012

63,583

Eating Places, Restaurants

575

26,826

Record Stores

503

1,493

Computer Network Services

491

26,384

Civic, Social, Fraternal Associations

477

85,431

Hotels, Motels, and Resorts

477

133,892

Department Stores

446

74,978

Professional Services

366

24,806

Direct Marketing - Catalog Merchant

337

11,634

Family Clothing Stores

337

50,981

Colleges, Universities

326

78,043

Fast Food Restaurants

324

4,965

Security Brokers/Dealers

308

124,319

Duty Free Stores

278

31,219

Telecommunication Services

276

7,191

Mens, Womens Clothing Stores

255

39,357

Government Services (Not Elsewhere Classified)

201

13,496

Direct Marketing - Subscription

192

4,905

Drug Stores and Pharmacies

161

7,156

Computer Programming

156

6,404

Confidential
1LINK (Guarantee) Limited

Page 18 of 29

3.3. VISA SMS Acquiring Service

UBL
Processed Ok
Total Number of Transactions
Success Percentage
Amount PKR

Withdrawals Balance Inquiries Grand Total

8,217
1,040
9,257

14,606
56.26%
108,615,000

1,800
57.78%

16,406
56.42%
108,615,000

3.3.1 Top Issuers

Bank
KOREA EXCHANGE
FIRSTRAND BANK LIMITED
ABSA GROUP LIMITED
AL RAJHI BANKING AND INVESTMENT CORP.
NATIONAL BANK OF DUBAI PUBLIC JOINT STOCK COMPANY

Card Type
Debit
Debit
Debit
Debit
Debit

Confidential
1LINK (Guarantee) Limited

Page 19 of 29

City
Seoul
Johannesburg
Johannesburg
Jeddah
Dubai

Country
South Korea
South Africa
South Africa
SAUDI ARABIA
UAE

4.0. UNIONPAY
4.1. UnionPay Transactions
HBL

SUM

Withdrawals Balance Inquiries Withdrawals

Processed Ok
Total Number of Transactions
Success Percentage
Amount PKR

201

35

123

385

171
83.76%
4,041,000

47
95.74%

259
85.53%
824,000

0
0.00%

477
85.53%
4,865,000

Confidential
1LINK (Guarantee) Limited

Balance Inquiries Grand Total

Page 20 of 29

5.0. UTILITY BILL PAYMENT SERVICE (UBPS)

5.1. UBPS Banks Position
Member Bank

Position

Transactions

1st Place

UBL

250,945

2nd Place

HBL

76,223

3rd Place

SCB

68,796

4th Place

ASK

64,043

5th Place

ABL

24,110

6th Place

BAH

18,138

7th Place

SON

12,255

8th Place

FSB

6,354

9th Place

SUM

3,834

10th Place

BAF

3,643

11th Place

JSB

1,833

12th Place

SLK

1,216

13th Place

SAM

432

14th Place

BUR

67

15th Place

BAR

57

16th Place

BAL

56

17th Place

UBL

250,945

Legends
ABL
ASK
SUM
BAF
BAH
JSB

Allied Bank
Askari Bank
Summit Bank
Bank Al Falah
Bank Al Habib
JS Bank

BAL
FSB
HBL
BUR
CIT

Al Baraka Bank
Faysal Bank
Habib Bank Limited
Burj Bank
Citi Bank

SAM
SCB
SON
UBL
SLK

Confidential
1LINK (Guarantee) Limited

Page 21 of 29

Samba Bank
Standard Chartered Bank Pakistan Limited
Soneri Bank Limited
United Bank Limited
SILK Bank

5.2. UBPS Transactions

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

Sui- Gas

Telco's

Electricity

Post Pay

SSGC

SNGPL

LESCO

KESC

HESCO

952
7,840
76
2,831
11
7
19
208
9,563
125
38
3,828
48
790
422
105
26,863

2,137
24,551
221
724
12
5
5
277
21,463
53
17
2,629
64
452
382
160
53,152

2,395
12,387
487
1,081
22
13
19
541
11,390
51
37
1,449
133
843
267
249,643
280,758

960
4,106
108
3,467
11
22
24
316
6,041
160
67
4,990
130
861
551
104
21,918

0
365
3
0
0
0
0
0
0
0
0
0
0
183
0
0
551

Pre Pay

Post Pay

UFONE

1,395
877
179
989
0
0
0
515
2,604
134
23
5,535
87
650
173
142
13,303

7,482
5,521
545
3,830
0
2
0
1,547
18,085
562
150
24,676
270
5,158
681
199
68,708

Pre Pay

WARID

2,435
1,830
1,130
1,441
0
2
0
1,284
2,059
192
32
8,527
171
707
495
490
20,795

Post Pay

Pre Pay

Post Pay

Telenor

3,957
2,899
489
1,803
0
0
0
901
2,825
251
18
8,902
159
840
438
101
23,583

812
571
93
461
0
2
0
209
531
66
10
2,926
48
195
124
0
6,048

1,516
1,439
133
1,004
0
0
0
331
1,662
150
25
5,147
51
663
172
0
12,293

Pre Pay

Zong

0
1
11
62
0
0
0
3
0
0
0
7
1
20
0
0
105

Vfone

Defaulter

Wateen

0
17
113
407
0
0
0
9
0
0
0
18
16
353
87
0
1,020

0
8
55
38
0
0
0
6
0
0
0
7
0
0
0
0
114

BAF

ASK

BAL
BAH
UBL

HBL

JSB
SCB

SUM
SON

SAM

SLK

Confidential
1LINK (Guarantee) Limited

Page 22 of 29

BAR

BUR
FSB

Evo Pre Pay

0
6
0
0
0
0
0
7
0
0
0
1
2
30
2
0
48

0
5
0
0
0
0
0
7
0
0
0
1
0
1
4
0
18

Total

Land Line

PTCL

Amount 68,769,850 62,180,050 417,056,843 97,118,107 1,145,620 17,389,163 25,517,761 31,919,001 9,865,034 7,902,644 4,210,179 107,539 331,766 95,115 3,881,754 298,482

ABL

Evo Post Pay

Wi-Tribe

0
43
0
0
0
0
0
17
0
0
3
8
2
99
31
0
203

0
17
0
0
0
0
0
9
0
0
0
2
4
43
5
0
80

69
1,525
0
0
0
4
0
159
0
89
12
122
30
367
0
1
2,378

73,425

65,360

8,220

0
35
0
0
0
0
0
8
0
0
0
21
0
0
0
0
64

24,110
64,008
3,643
18,138
56
57
67
6,346
76,223
1,833
432
68,775
1,216
12,255
3,834
250,945
532,002

68,649 748,004,562

5.2.1. UBPS via ATM

Banks

Sui- Gas
SSGC

SNGPL

Telco's

Electricity
LESCO

KESC

Post Pay
HESCO

Pre Pay

UFONE

Pre Pay
WARID

Telenor

Post Pay Pre Pay

Zong

V fone

Defaulter

Wateen

ABL
199
571
700
209
0
200
452
668
209
104
115
0
0
0
0
ASK
7,453
22,187
11,652
3,804
365
59
322
139
132
25
63
1
17
8
6
BAF
76
221
487
108
3
179
545
1,130
489
93
133
11
113
55
0
BAH
431
163
333
648
0
185
284
38
24
2
11
1
2
1
0
BAL
11
12
22
11
0
0
0
0
0
0
0
0
0
0
0
BAR
7
5
13
22
0
0
2
2
0
2
0
0
0
0
0
BUR
19
5
19
24
0
0
0
0
0
0
0
0
0
0
0
FSB
72
170
414
128
0
135
235
550
121
43
29
0
9
0
0
HBL
448
912
774
680
0
414
710
596
226
0
0
0
0
0
0
JSB
30
6
0
41
0
11
7
18
2
4
5
0
0
0
0
SAM
11
11
27
23
0
4
3
7
10
3
2
0
0
0
0
SCB
479
471
1,449
699
0
352
221
1,073
106
159
39
7
18
7
1
SLK
29
35
79
53
0
44
56
83
65
25
11
1
8
0
1
SON
109
126
258
118
8
42
149
200
83
14
67
1
25
0
0
SUM
74
72
76
106
0
29
42
134
23
15
2
0
5
0
0
UBL
105
160
260
104
0
142
199
490
101
0
0
0
0
0
0
Total
9,553
25,127
16,563
6,778
376
1,796
3,227
5,128 1,591 489
477
22
197
71
8
Amount 8,290,240 25,063,440 37,766,325 25,786,394 702,933 2,402,650 1,112,250 8,100,750 583,550 688,203 181,450 64,950 27,200 51,950 2,725,070

PTCL

0
5
0
0
0
0
0
1
0
0
0
1
0
1
1
0
9
92,521

Total

Evo Post Pay Evo Pre Pay Land Line

0
43
0
0
0
0
0
5
0
0
0
8
1
6
3
0
66
25,300

Wi-Tribe

0
17
0
0
0
0
0
2
0
0
0
2
0
2
0
0
23
47,150

69
1,525
0
0
0
4
0
19
0
3
0
122
11
34
0
1
1,788
47,150

0
3,427
35
46,298
0
3,643
0
2,123
0
56
0
53
0
67
1
1,914
0
4,760
0
124
0
101
21
5,092
0
491
0
1,209
0
582
0
1,561
57
73,346
63,964 113,712,326

Legends
ABL
ASK
SUM
BAF
BAH
JSB

Allied Bank
Askari Bank
Summit Bank
Bank Al Falah
Bank Al Habib
JS Bank

BAL
FSB
HBL
BUR
CIT
BAR

Al Baraka Bank
Faysal Bank
Habib Bank Limited
Burj Bank
Citi Bank
Barclays Bank

SAM
SCB
SON
UBL
SLK

Confidential
1LINK (Guarantee) Limited

Page 23 of 29

Samba Bank
Standard Chartered Bank Pakistan Limited
Soneri Bank Limited
United Bank Limited
SILK Bank

5.2.2. UBPS via Call Center

Sui Gas

Electricity

Telco's

Bank

ABL
SON
SUM
Total
Amount

Ufone

Warid

SSGC

SNGPL

LESCO

KESC

Post Pay

Pre Pay

Post Pay

0
6
14

2
2
11

0
3
6

0
8
36

0
2
2

0
15
0

0
10
1

20
28,200

15
45,870

9
30,290

44
274,180

4
4,500

15
5,250

11
14,750

Post Pay

Pre Pay

Post Pay

Total

Telenor

Zong

PTCL

Pre Pay

Pre Pay

Pre Pay

Land Line

0
2
0

0
8
0

0
4
0

0
3
0

2
750

8
3,000

4
1,000

3
7,390

2
63
70
135
415,180

Post Pay

Pre Pay

Landline

Total

5.2.3. UBP via IVR

Sui- Gas

Banks
ABL
FSB
SLK
Total
Amount

Telco's

Electricity

SSGC

SNGPL

LESCO

KESC

6
15
0
21
20,310

11
5
0
16
7,660

4
6
0
10
46,682

3
27
0
30
185,357

UFONE

3
38
0
41
59,893

Pre Pay

WARID

45
95
1
141
45,400

29
49
0
78
178,136

Telenor

31
19
2
52
18,100

5
0
0
5
6,000

PTCL

42
0
0
42
11,000

0
1
0
1
3,460

179
255
3
437
581,998

5.2.4. UBPS via Mobile

Sui Gas

Bank
BAH
FSB
HBL
SON
SUM
Total
Amount

Telco

Electric
Post Pay

SSGC

363
121
230
195
65
974
905,020

SNGP

LESCO

KESC

HESCO

Pre Pay

UFONE

Post Pay

Pre Pay

Warid

Post Pay

Pre Pay

Telenor

140
106
266
0
0
0
0
0
102
121
161
0
342
1,217
685
761
598
348
159
0
1,126
12,138
0
0
127
289
136
156
333
3,388
0
0
85
30
67
0
0
0
0
0
1,052
894
789
156
1,801
16,743
685
761
962,150 2,227,476 3,299,309 404,227 2,016,126 5,199,100 1,099,349 270,586

0
166
0
0
0
166
203,739

0
302
0
0
0
302
113,600

Post Pay

Land Line

Zong

Wateen

0
3
0
0
0
3
6,600

0
6
0
0
0
6
6,065

Evo Post Pay

Evo Pre Pay

Defaulter

0
7
0
0
0
7
295,090

0
6
0
0
0
6
6,151

0
12
0
0
0
12
5,800

Vfone

Defaulter

Total

V Fone

PTCL

Wi-Tribe

0
7
0
0
0
7
7,900

0
139
0
0
0
139
700

0
7
0
0
0
7
4,685

875
3,510
14,599
4,624
247
24,510
17,033,673

5.2.5. UBPS via Web

Banks

Sui- Gas
SSGC

ABL
ASK
BAH
HBL
JSB
SAM
SCB
SLK
SON
SUM
UBL
Total
Amount

SNGPL

Telco's

Electricity
LESCO

KESC

Post Pay
HESCO

UFONE

Pre Pay

Post Pay

Pre Pay

WARID

Post Pay

Pre Pay

Telenor

Post Pay

Pre Pay

Zong

747
1,553
1,691
748
0
1,192
6,985
1,738
3,717
703
1,359
0
387
2,364
735
302
0
818
5,199
1,691
2,767
546
1,376
0
2,037
421
642
2,553
0
804
3,546
1,403
1,779
459
993
61
1,081
1,098
1,141
1,421
0
1,064
5,237
1,463
2,599
531
1,662
0
95
47
51
119
0
123
555
174
249
62
145
0
27
6
10
44
0
19
147
25
8
7
23
0
3,349
2,158
0
4,291
0
5,183
24,455
7,454
8,796
2,767
5,108
0
19
29
54
77
0
43
213
88
92
23
40
0
480
197
293
599
19
273
1,606
497
755
181
588
19
269
214
155
342
0
142
639
360
415
109
170
0
0
0
249,383
0
0
0
0
0
0
0
0
0
8,491
8,087
254,155
10,496
19
9,661
48,582
14,893
21,177
5,388
11,464
80
53,314,050 20,519,980 364,405,132 59,662,571 38,460 12,905,994 19,155,761 22,526,016 8,992,048 7,004,702 3,901,129 265,816

Wateen

0
0
405
0
0
0
0
8
324
82
0
819
73,739

0
0
37
0
0
0
0
0
0
0
0
37
37,100

Evo Post Pay

Evo Prepay

Land Line

Total

0
0
0
0
0
0
0
4
41
5
0
50
10,310

0
0
0
0
86
12
0
19
330
0
0
447
6,520

20,433
16,185
15,103
17,297
1,620
316
63,561
686
5,831
2,897
249,383
394,007
573,912,207

PTCL

0
0
0
0
0
0
0
1
30
2
0
33
850,744

0
0
0
0
0
0
0
0
0
3
0
3
199,810

0
0
0
0
0
3
0
1
93
28
0
125
42,325

Legends
ABL
Allied Bank
BAL
Al Baraka Bank
ASK
Askari Bank
FSB
Faysal Bank
SUM
Summit Bank
HBL
Habib Bank Limited
BAF
Bank Al Falah
BUR
Burj Bank
BAH
Bank Al Habib
CIT
Citi Bank
JSB
JS Bank
*Banks are as Issuer only
Note: These are only Balance Inquires and Processed OK transactions.

SAM
SCB
SON
UBL
SLK

Confidential
1LINK (Guarantee) Limited

Page 24 of 29

Samba Bank
Standard Chartered Bank Pakistan Limited
Soneri Bank Limited
United Bank Limited
SILK Bank

6.0. NON FINANCIAL SHARED ATM TRANSACTIONS

6.1.

Issuer Banks

A
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

Intra Switch Transactions

ABL
APN
ASK
BAF
BAH
BAL
BAR
BIP
BOK
BOP
BUR
CIT
DUB
FSB
HBL
HMB
JSB
KAS
KSF
MBL
NBP
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM
UBL
Total
% ACQ

ABL
0
6
15,294
21,241
8,900
1,013
541
1,794
916
7,035
439
479
902
6,250
56,510
3,253
1,326
805
78
5,543
33,746
2,039
163
14,405
199
723
3,775
3,179
6,826
45,192
242,572
14.31%
ABL

APN
45
0
13
17
63
7
4
3
0
0
0
0
14
10
34
76
2
1
0
17
91
2
0
25
0
1
19
4
4
57
509
0.03%
APN

ASK
6,353
10
0
5,282
2,185
499
367
588
113
1,580
190
148
348
1,738
15,511
666
280
281
2
1,260
13,414
453
48
3,725
47
251
950
465
967
10,303
68,024
4.01%
ASK

BAF
12,722
1
9,278
0
5,348
737
327
1,104
368
4,378
258
987
620
4,146
36,049
2,031
651
468
52
3,466
18,534
1,204
99
8,927
82
403
2,265
3,173
7,584
25,040
150,302
8.87%
BAF

BAH
13,430
39
7,251
11,053
0
680
565
1,248
210
2,842
417
197
667
4,438
54,930
6,119
955
746
39
4,556
28,205
1,745
234
10,652
433
440
3,011
1,392
4,303
34,534
195,331
11.52%
BAH

BAL
795
4
445
662
362
0
36
54
22
120
25
0
35
241
1,817
135
70
71
0
205
1,005
73
9
604
5
22
113
102
0
1,059
8,091
0.48%
BAL

BAR
108
0
133
185
102
4
0
13
0
6
7
6
23
58
233
45
8
17
0
53
150
20
11
2,054
0
14
31
5
2
173
3,461
0.20%
BAR

BIP
2,730
19
2,155
2,174
1,573
256
4
0
96
478
134
0
243
979
6,652
709
191
118
3
956
4,167
301
2
2,157
31
126
568
401
582
4,558
32,363
1.91%
BIP

BOK
603
1
379
403
166
16
17
57
0
63
13
1
11
189
936
55
25
17
2
185
746
42
5
270
5
20
68
214
14
934
5,457
0.32%
BOK

BOP
3,082
0
2,194
2,680
1,076
126
106
167
50
0
65
76
115
898
7,719
418
173
93
13
665
3,863
278
18
1,978
6
154
436
277
1,109
5,519
33,354
1.97%
BOP

BUR
788
0
545
733
478
75
57
135
18
187
0
13
131
501
1,708
232
78
109
2
374
828
140
16
1,043
10
71
241
73
22
1,341
9,949
0.59%
BUR

CIT
8
0
3
36
12
0
0
0
0
0
6
0
1
5
13
13
0
6
0
2
0
2
2
20
0
0
1
1
0
4
135
0.01%
CIT

DUB
955
0
838
823
677
69
46
151
11
184
57
5
0
666
1,749
261
99
73
1
361
1,370
140
9
864
7
58
224
93
25
1,286
11,102
0.65%
DUB

P
Q
R
Acquirer Banks
FSB
HBL
HMB
6,723
20,403
19
10
0
3
5,075
14,488
852
6,588
18,342
1,041
3,951
10,993
2,004
338
786
115
290
494
145
504
1,901
195
193
463
44
2,269
6,212
314
190
379
83
168
361
18
492
730
125
185
4,691
658
15,188
0
4,627
1,619
3,882
0
739
1,119
149
432
627
145
34
40
0
2,378
4,117
595
8,857
35,118
2,131
740
1,503
215
96
157
31
5,994
11,139
1,473
44
294
20
461
668
87
1,610
3,975
454
805
6,024
130
1,720
8,085
80
11,761
41,798
2,454
79,454 198,789 18,207
4.69%
11.73%
1.07%
FSB
HBL
HMB

AA

AB

AC

AD

AE

AF

AG

AH

JSB
2,522
0
1,752
2,491
1,447
206
102
249
22
674
77
15
142
786
6,348
283
0
119
15
644
4,025
263
46
1,440
286
123
571
2,554
851
3,969
32,022
1.89%
JSB

KAS
1,449
1
818
971
799
0
4
114
24
423
74
0
103
551
4,294
247
149
0
1
484
2,058
181
0
1,158
23
71
364
181
1,084
2,396
18,022
1.06%
KAS

KSF
75
0
28
49
45
8
3
3
1
28
2
5
8
28
230
29
1
3
0
24
79
3
0
51
0
5
19
11
15
155
908
0.05%
KSF

MBL
8,380
5
6,123
6,984
6,185
1,143
419
1,243
352
2,365
321
252
628
3,657
20,539
2,593
734
386
30
0
14,029
1,051
101
5,749
76
365
1,896
985
1,208
15,636
103,435
6.10%
MBL

NBP
4,690
0
9,029
3,803
1,856
144
63
565
65
1,298
47
26
144
726
18,116
395
135
105
9
841
0
249
20
1,668
67
82
681
423
1,129
10,496
56,872
3.36%
NBP

NIB
2,749
2
1,961
2,723
1,518
206
152
237
54
743
81
27
162
999
6,524
542
175
175
5
921
4,239
0
47
2,019
40
121
742
322
427
3,750
31,663
1.87%
NIB

SAM
440
1
347
291
292
41
35
45
8
147
47
5
53
300
973
97
40
35
6
142
783
61
0
512
1
58
110
35
9
733
5,647
0.33%
SAM

SCB
3,524
2
2,857
4,383
2,275
293
559
326
63
1,079
144
65
349
2,225
7,702
1,025
472
269
4
1,235
3,047
589
96
0
24
354
980
316
272
5,597
40,126
2.37%
SCB

SIN
320
0
203
360
98
18
64
14
0
102
27
3
19
66
785
33
30
22
0
100
485
59
4
197
0
19
85
28
21
649
3,811
0.22%
SIN

SLK
1,353
0
1,809
1,647
827
102
144
150
38
405
52
33
195
798
3,706
374
160
252
5
567
2,135
193
27
1,525
19
0
413
179
366
2,537
20,011
1.18%
SLK

SON
7,649
8
4,681
7,593
4,617
454
287
632
74
2,097
195
83
321
2,167
21,846
1,762
510
341
21
1,886
13,876
773
73
5,403
295
295
0
753
5,512
14,420
98,624
5.82%
SON

SUM
4,191
5
2,789
3,958
2,828
207
129
461
73
709
139
93
245
1,540
10,866
1,200
493
304
6
1,113
6,571
445
44
3,142
68
221
905
0
815
6,187
49,747
2.93%
SUM

TAM
47
0
10
5
42
2
1
14
0
0
0
0
0
5
32
4
2
2
0
8
10
1
2
44
0
0
3
2
0
24
260
0.02%
TAM

UBL
18,432
11,857
14,803
7,105
669
414
1,403
656
5,307
384
269
598
4,486
51,138
3,122
987
615
45
4,322
27,386
1,486
135
10,431
277
491
3,046
1,804
5,067
0
8
176,743
10.43%
UBL

TOTAL
124,585
11,974
106,153
113,623
61,388
7,959
6,364
12,623
8,585
36,122
3,738
3,664
11,312
90,639
308,759
29,085
9,381
6,067
4,690
60,084
205,048
12,900
11,791
88,515
2,573
8,259
26,314
27,194
43,032
252,570
1,694,991

% ISS
7.35%
0.71%
6.26%
6.70%
3.62%
0.47%
0.38%
0.74%
0.51%
2.13%
0.22%
0.22%
0.67%
5.35%
18.22%
1.72%
0.55%
0.36%
0.28%
3.54%
12.10%
0.76%
0.70%
5.22%
0.15%
0.49%
1.55%
1.60%
2.54%
14.90%

300,000

Number of Transactions

250,000

200,000

150,000

100,000

50,000

0
ABL

APN

ASK

BAF

BAH

BAL

BAR

BIP

BOK

BOP

BUR

CIT

DUB

FSB

HBL

HMB

Banks

JSB

KAS

KSF

MBL

NBP

NIB

SAM

SCB

SIN

SLK

SON

SUM TAM

UBL

Acquiring
Issuing

Confidential
1LINK (Guarantee) Limited

May 2013
Page 25 of 29

MIS Department

6.1 Inter Switch Transactions

ABL
ASK
BAF
BAH
BAL
BAR
BIP
BOK
BOP
BUR
CIT
DUB
FSB
HBL
HMB
JSB
KAS
KSF
MBL
NBP
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM
UBL
Total
% ACQ

6.1.2. MNET on 1LINK

Acquirer Banks
FWB
HSB
MCB
5
15,830
12
42
10,622
14,316
6
6,577
659
1
480
1,070
582
1
6,225
345
197
618
4
3,581
23
55,222
3
5
2,345
958
603
47
3,317
16
24,964
1,304
133
10
10,274
224
496
2
2,703
1
933
7,768
16
38,770
100
47
211,163
0.05%
0.02%
99.93%

Total
15,835
10,676
14,316
6,583
659
481
1,070
582
6,226
345
197
618
3,585
55,245
2,353
958
603
47
3,317
24,980
1,304
133
10,284
224
496
2,705
934
7,768
38,786
211,310

FW B

%ISS
7.49%
5.05%
6.77%
3.12%
0.31%
0.23%
0.51%
0.28%
2.95%
0.16%
0.09%
0.29%
1.70%
26.14%
1.11%
0.45%
0.29%
0.02%
1.57%
11.82%
0.62%
0.06%
4.87%
0.11%
0.23%
1.28%
0.44%
3.68%
18.36%

Acquirer Banks

Issuer Banks

6.1.1. 1LINK on MNET

ABL
APN
ASK
BAF
BAH
BAL
BAR
BIP
BOK
BOP
BUR
CIT
DUB
FSB
HBL
HMB
JSB
KAS
KSF
MBL
NBP
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM

196
0
31
85
80
3
0
19
4
22
10
0
6
49
85
4
9
6
0
47
62
10
4
18
1
14
44
21
0

Total

830
0.73%

% ISS

Issuer Banks
MCB

HSBC
206
0
78
198
170
8
12
43
5
28
8
0
4
146
143
25
52
0
0
0
25
18
19
194
5
44
93
44
0

19,134
57
4,618
10,483
12,995
475
190
2,217
428
2,718
591
9
678
5,736
16,837
1,670
2,039
1,082
58
8,222
3,425
2,163
380
3,019
312
1,275
6,995
3,933
5

1,568 111,744
1.37%
97.79%

SME

Total

%ACQ

26
0
3
10
6
0
0
6
1
10
1
0
2
15
10
1
0
0
1
9
4
6
0
4
0
1
4
3
0

19,562
57
4,730
10,776
13,251
486
202
2,285
438
2,778
610
9
690
5,946
17,075
1,700
2,100
1,088
59
8,278
3,516
2,197
403
3,235
318
1,334
7,136
4,001
5

17.12%
0.05%
4.14%
9.43%
11.60%
0.43%
0.18%
2.00%
0.38%
2.43%
0.53%
0.01%
0.60%
5.20%
14.94%
1.49%
1.84%
0.95%
0.05%
7.24%
3.08%
1.92%
0.35%
2.83%
0.28%
1.17%
6.25%
3.50%
0.00%

123
0.11%

114,265

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR
FWB

Allied Bank Limited

Askari Bank Limited
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Habib
Sindh Bank
Burj Bank
First Women Bank

BIP
BOK
BOP
CIT
DUB
FSB
HBL
HSBC

Bank Islami Pakistan

Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited
Hong Kong Shanghai Bank

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Habib Metropolitan Bank

JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

SAM
SCB
SLK
SON
SUM
TAM
UBL

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

MCB

Muslim Commercial Bank

SME

Small Medium Enterprise

Note: These are only Withdrawal plus Processed OK transactions

Confidential
1LINK (Guarantee) Limited

May 2013
Page 26 of 29

MIS Department

7.0. MARKET OVERVIEW

.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 transactions
performed over 1LINK.

Non-Financial
20%

UBPS
5%
VISA
4%
IBFT
5%

Confidential
1LINK (Guarantee) Limited

Switch Withdrawal
66%

May 2013
Page 27 of 29

MIS Department

7.2. 1LINK Trend Analysis

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

600,000

500,000

491,877
470,129

410,435

400,000
349,167
345,985
340,394
300,000

200,000

396,523

364,662

291,098
273,748
269,802

284,153
261,978
260,855
252,935
240,418
237,466
231,791 227,595
231,023
229,355
229,018
224,655
216,674
196,375
182,018

264,063
239,812

134,491
107,271
81,095

100,000

Average

Confidential
1LINK (Guarantee) Limited

May 2013
Page 28 of 29

MIS Department

All rights reserved Copyrights 2008-13. 1LINK (Guarantee) Limited

This is a Confidential& Unpublished Document compiled by 1LINK (Guarantee) Limited for official and
authorized 1LINK institutions use only. The document is proprietary to 1LINK (Guarantee) Limited and
may not be disclosed to any third party or used for any other purpose without the prior written consent of
1LINK (Guarantee) Limited.

Confidential
1LINK (Guarantee) Limited

Page 29 of 29