LEVEL:CONFIDENTIAL

1LINK MONTHLY STATISTICS

FEBRUARY -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Confidential & Unpublished Document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. Utility Bill Payment Service (UBPS) ..................................................................................................................................................................................................................... 20
4.1. UBPS Banks Position ....................................................................................................................................................................................................................................... 20
4.2. UBPS Transactions ........................................................................................................................................................................................................................................... 21
4.2.1. UBPS via ATM ............................................................................................................................................................................................................................................ 22
4.2.2. UBPS via Call Center ................................................................................................................................................................................................................................. 23
4.2.3. UBP via IVR ................................................................................................................................................................................................................................................ 23
4.2.4. UBPS via Mobile ......................................................................................................................................................................................................................................... 23
4.2.5. UBPS via Web ............................................................................................................................................................................................................................................ 23
5.0. Non Financial Shared ATM Transactions ............................................................................................................................................................................................................ 24
5.1.

Intra Switch Transactions ........................................................................................................................................................................................................................ 24

5.2.

Inter Switch Transactions ........................................................................................................................................................................................................................ 25

5.2.1.
5.2.2.

1LINK on MNET ............................................................................................................................................................................................................................... 25

MNET on 1LINK ............................................................................................................................................................................................................................... 25

6.0. Market overview ..................................................................................................................................................................................................................................................... 26

6.1. 1LINK Products & Non-Financial Transactions ............................................................................................................................................................................................. 26
6.2. 1LINK Trend Analysis ....................................................................................................................................................................................................................................... 27

Confidential
1LINK (Guarantee) Limited

February 2013
Page 2 of 28

MIS Department

1LINK STATISTICS SUMMARY

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

Number of Transactions
5,029,731
610,766
602,301
443,406
268,416
30,220
12,060
638
419,510

Amount (PKR)
37,955,005,200
4,363,989,700
4,561,525,700
22,851,776,700
945,363,573
377,521,578
140,883,500
2,715,527
534,148,305

7,417,048

71,732,929,783

Non Financial Transactions

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

1,540,716
202,887
121,232
1,864,835

Grand Total

9,281,883

71,732,929,783

The average dollar rate for VISA International is Rs. 99.83.

Confidential
1LINK (Guarantee) Limited

February 2013
Page 3 of 28

MIS Department

1.0. FINANCIAL SHARED ATM TRANSACTIONS

Issuer Banks

1.1.
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
SUM2
TAM
UBL
Total
% ACQ

Intra Switch Transactions

ABL
0
37,755
56,457
34,093
4,036
2,488
6,598
2,804
21,218
1,228
3,812
4,862
20,816
163,572
14,217
6,091
3,584
337
25,358
54,866
11,740
894
52,007
3,666
4,313
13,525
7,839
28,760
130,552
717,488
14.26%
ABL

ASK
16,739
0
13,712
8,887
2,068
1,751
1,958
392
5,229
406
1,632
1,849
6,349
40,153
3,184
1,542
1,273
50
6,213
22,320
3,240
310
18,270
217
1,433
4,016
2,234
1,596
26,159
193,182
3.84%
ASK

BAF
35,104
24,727
0
19,751
2,646
1,706
4,787
1,053
13,055
821
2,529
3,274
13,763
86,826
8,979
3,489
1,890
234
15,776
27,795
7,155
637
32,891
397
2,561
8,385
4,848
28,171
70,842
424,092
8.43%
BAF

BAH
43,262
20,924
33,562
0
2,985
3,158
5,762
785
10,535
1,419
3,470
4,074
17,834
169,971
29,103
5,887
3,663
179
24,917
44,948
11,141
1,347
44,081
3,452
3,802
13,888
8,552
22,502
101,237
636,440
12.65%
BAH

BAL
2,348
1,186
1,821
1,879
0
208
235
139
443
110
241
208
1,123
6,139
706
280
251
2
1,096
1,356
635
74
2,779
26
227
542
739
0
3,481
28,274
0.56%
BAL

BAR
433
765
373
421
36
0
58
8
37
17
303
153
329
693
145
64
102
0
185
238
113
77
3,647
0
44
123
79
5
639
9,087
0.18%
BAR

BIP
9,046
6,138
7,213
7,594
828
29
0
277
1,459
351
478
1,242
3,828
17,381
3,942
1,197
707
28
5,717
6,107
1,859
14
8,867
171
846
2,656
1,519
1,673
13,925
105,092
2.09%
BIP

BOK
1,604
1,091
1,358
492
99
44
186
0
192
25
136
140
476
3,699
167
102
46
7
632
1,308
254
18
1,028
9
76
187
237
78
2,206
15,897
0.32%
BOK

BOP
8,455
5,466
6,883
3,742
552
394
652
124
0
186
547
720
3,127
20,948
1,506
874
428
84
3,154
6,219
1,725
152
7,471
46
695
1,746
1,131
3,512
16,586
97,125
1.93%
BOP

BUR
2,613
1,526
2,652
2,460
335
289
366
59
694
0
292
548
1,807
5,417
1,216
558
407
14
1,907
1,422
851
129
3,965
50
380
925
595
59
4,291
35,827
0.71%
BUR

CIT
177
56
92
162
0
11
32
0
0
7
0
37
120
372
170
12
12
0
53
92
60
8
1,221
2
14
31
50
3
215
3,009
0.06%
CIT

DUB
3,032
2,737
2,823
2,924
352
359
705
61
701
216
371
0
1,668
6,213
1,388
454
271
15
2,027
2,346
801
133
4,668
50
435
979
627
114
4,588
41,058
0.82%
DUB

FSB
21,797
15,375
21,772
16,272
1,549
1,865
2,645
537
7,261
745
2,526
2,683
256
51,590
7,699
3,918
2,052
134
12,256
14,762
5,116
670
26,254
279
2,555
6,464
3,529
5,961
34,098
272,620
5.42%
FSB

Acquirer Banks
HBL
HMB
56,875
107
35,923
2,939
42,860
3,738
41,618
10,141
2,731
550
2,297
664
6,010
1,012
1,171
127
16,811
1,166
1,125
417
3,973
651
4,211
909
15,712
2,932
0
14,223
15,058
0
5,112
910
2,723
686
234
18
19,548
3,948
55,505
3,191
8,523
1,867
1,012
269
42,851
8,387
2,110
104
3,544
823
14,145
2,455
6,271
1,451
33,197
304
109,708
8,904
550,858
72,893
10.95%
1.45%
HBL
HMB

JSB
5,143
3,301
4,537
3,468
472
274
695
52
1,448
96
345
519
2,023
15,039
1,121
0
409
39
2,577
4,577
1,132
110
4,980
2,503
507
1,729
1,046
1,835
7,956
67,933
1.35%
JSB

KAS
5,259
3,127
4,102
3,574
0
8
637
104
1,371
176
248
538
2,246
13,751
1,421
787
0
25
3,239
3,343
1,270
0
5,259
102
554
1,543
1,083
3,047
7,071
63,885
1.27%
KAS

KSF
179
90
138
181
17
10
12
3
73
5
19
21
89
418
67
1
14
0
99
106
60
3
140
1
17
42
43
16
253
2,117
0.04%
KSF

MBL
21,223
13,326
14,729
18,975
2,675
1,504
3,849
898
5,283
897
2,208
2,576
10,489
56,953
8,751
2,741
1,507
159
0
18,054
5,594
568
24,477
405
1,937
6,240
3,497
5,797
42,300
277,612
5.52%
MBL

NBP
10,620
17,199
8,247
5,768
573
320
1,500
354
3,435
177
471
708
2,532
36,117
1,805
856
470
45
2,904
0
1,544
129
6,843
430
659
2,338
1,088
3,974
24,621
135,727
2.70%
NBP

NIB
7,997
4,865
6,910
5,578
685
741
960
175
2,481
314
633
802
3,619
16,122
2,439
961
802
72
4,766
6,331
0
228
9,120
189
726
2,392
1,332
600
11,416
93,256
1.85%
NIB

SAM
1,772
1,234
1,619
1,618
163
254
185
36
547
114
269
265
1,176
3,432
615
363
299
5
944
1,145
578
0
3,065
0
321
480
369
26
2,903
23,797
0.47%
SAM

SCB
12,568
10,610
13,916
11,491
1,200
2,500
1,575
233
3,398
422
3,521
2,167
8,798
28,776
5,604
2,590
1,384
35
7,322
5,927
3,684
656
0
171
2,114
4,123
2,599
643
20,085
158,112
3.14%
SCB

SIN
608
436
694
228
81
196
59
3
213
29
30
74
281
1,766
104
16
52
2
217
419
331
17
863
0
81
214
171
9
682
7,876
0.16%
SIN

SLK
4,261
4,808
4,781
3,173
485
718
681
128
1,468
185
705
966
2,762
10,019
1,516
962
599
22
2,332
3,167
1,362
241
7,002
136
0
1,690
1,009
706
8,264
64,148
1.28%
SLK

SON
23,469
13,311
19,338
20,325
1,635
1,620
3,097
374
6,117
642
1,565
2,014
8,893
57,421
8,443
2,914
1,571
142
11,178
21,031
5,075
531
22,241
3,366
2,056
0
3,520
13,575
48,798
304,262
6.05%
SON

SUM
11,879
8,589
9,664
11,737
1,048
881
1,782
248
2,435
437
1,482
1,467
5,707
28,158
5,007
2,060
1,348
71
6,194
9,402
3,186
402
15,043
411
1,311
3,837
0
2,497
19,050
155,333
3.09%
SUM

TAM
20
32
12
98
6
15
3
0
0
0
0
1
44
60
16
2
4
0
21
6
1
3
134
0
4
12
5
0
0
499
0.01%
TAM

UBL
TOTAL
47,560
354,150
26,241
263,777
35,002
319,005
25,653
262,303
2,455
30,262
1,927
26,231
4,833
50,874
1,778
11,923
14,266
121,336
1,040
11,607
3,081
35,538
3,189
40,217
14,158
152,957
119,292
974,521
10,168
134,557
4,223
48,966
2,626
29,180
228
2,181
17,776
182,356
40,041
356,024
7,667
86,564
773
9,405
35,553
393,107
4,266
22,559
2,775
34,810
9,916
104,623
5,158
60,621
30,587
189,247
0
720,830
472,232 5,029,731
9.39%
UBL

% ISS
7.04%
5.24%
6.34%
5.22%
0.60%
0.52%
1.01%
0.24%
2.41%
0.23%
0.71%
0.80%
3.04%
19.38%
2.68%
0.97%
0.58%
0.04%
3.63%
7.08%
1.72%
0.19%
7.82%
0.45%
0.69%
2.08%
1.21%
3.76%
14.33%

1,000,000

900,000

800,000

Number of Transactions

700,000

600,000

500,000
Acquiring
400,000

Issuing

300,000

200,000

100,000

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 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

February 2013
Page 4 of 28

MIS Department

1.2.

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
SUM2
TAM
UBL
Total
% ACQ

FWB
20
13
2
39
2
4
1
2
3
5
33
7
4
14
3
17
1
5
3
38
216
0.04%

1.2.2. MNET on 1LINK

Acquirer Banks
HSB
MCB
48,088
202
26,828
33,353
27,805
2,696
2,325
4,062
1,358
16,754
1,064
27
2,845
3,199
15,007
143,780
18
11,565
4,456
2,558
141
18,198
56
34,204
8,535
859
41,620
2,354
2,694
9,910
5,972
27,730
110,287
303
610,247
0.05%
99.92%

Total
48,108
27,043
33,355
27,844
2,698
2,329
4,063
1,358
16,756
1,064
2,872
3,202
15,012
143,813
11,590
4,456
2,558
141
18,202
34,274
8,538
859
41,637
2,355
2,699
9,910
5,975
27,730
110,325
610,766

%ISS
7.88%
4.43%
5.46%
4.56%
0.44%
0.38%
0.67%
0.22%
2.74%
0.17%
0.47%
0.52%
2.46%
23.55%
1.90%
0.73%
0.42%
0.02%
2.98%
5.61%
1.40%
0.14%
6.82%
0.39%
0.44%
1.62%
0.98%
4.54%
18.06%

FWB
ABL
ASK
BAF
BAH
BAL
BAR
BIP
BOK
BOP
BUR
CIT
DUB

Acquirer Banks

Issuer Banks

1.2.1. 1LINK on MNET

FSB
HBL
HMB
JSB
KAS
KSF
MBL
NBP
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM
UBL
Total

% ISS

369
95
203
189
13
9
27
7
45
12
0
42
119
215
17
6
28
0
126
124
42
6
91
15
35
113
104
0
190
2,242
0.37%

Issuer Banks
MCB

HSBC
1,698
973
1,177
1,117
100
135
261
15
159
85
26
62
1,095
1,027
273
216
0
2
0
191
239
195
2,032
23
278
798
420
1
1,065
13,663
2.27%

85,600
20,896
45,659
68,638
2,881
907
11,758
1,703
11,426
3,517
1,055
4,055
29,609
75,312
9,489
7,699
6,881
265
31,137
9,350
10,793
2,763
18,308
751
6,879
36,482
19,116
31
62,795
585,755
97.25%

SME

113
44
79
45
0
0
12
11
19
4
0
13
47
61
4
10
4
0
33
20
20
3
21
0
7
12
14
0
45
641
0.11%

Total

87,780
22,008
47,118
69,989
2,994
1,051
12,058
1,736
11,649
3,618
1,081
4,172
30,870
76,615
9,783
7,931
6,913
267
31,296
9,685
11,094
2,967
20,452
789
7,199
37,405
19,654
32
64,095
602,301

%ACQ
14.57%
3.65%
7.82%
11.62%
0.50%
0.17%
2.00%
0.29%
1.93%
0.60%
0.18%
0.69%
5.13%
12.72%
1.62%
1.32%
1.15%
0.04%
5.20%
1.61%
1.84%
0.49%
3.40%
0.13%
1.20%
6.21%
3.26%
0.01%
10.64%

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

February 2013
Page 5 of 28

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

2,924,449
1,001,245
1,033,534
70,503
5,029,731

%
Amount in PKR
58.14%
8,099,012,200
19.91%
9,330,655,500
20.55% 18,768,947,500
1.40%
1,756,390,000
37,955,005,200

%
21.34%
24.58%
49.45%
4.63%

%
Amount in PKR
61.40%
1,014,973,700
16.01%
874,437,000
22.59%
2,474,122,500
0.00%
456,500
4,363,989,700

%
23.26%
20.04%
56.69%
0.01%

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

375,033
97,761
137,954
18
610,766

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

332,506
153,965
104,976
10,854
602,301

%
Amount in PKR
55.21%
932,825,700
25.56%
1,459,665,000
17.43%
1,899,655,500
1.80%
269,379,500
4,561,525,700

%
20.45%
32.00%
41.65%
5.91%

February 2013
Page 6 of 28

MIS Department

1.4.

Top 10Statistics

1.4.1Top 10 Issuer 1LINK on 1LINK

Member Bank
HBL
UBL
SCB
NBP
ABL
BAF
ASK
BAH
TAM
MBL

Number Of Transactions
974,521
720,830
393,107
356,024
354,150
319,005
263,777
262,303
189,247
182,356

1.4.2. Top 10 Acquirer 1LINK on 1LINK

Member Bank

Number Of Transactions

ABL
BAH
HBL
UBL
BAF
SON
MBL
FSB
ASK
SCB

717,488
636,440
550,858
472,232
424,092
304,262
277,612
272,620
193,182
158,112
800,000

Number of Transactions

700,000
600,000
500,000

400,000
300,000
200,000

100,000
0

ABL BAH HBL UBL BAF SON MBL FSB ASK

Banks

SCB

Transactions

Confidential
1LINK (Guarantee) Limited

Page 7 of 28

1.4.3 Top 10 Acquirer MNET on 1LINK

Member Bank

Number Of Transactions

ABL
HBL
BAH
UBL
BAF
SON
MBL
FSB
ASK
SCB

87,780
76,615
69,989
64,095
47,118
37,405
31,296
30,870
22,008
20,452
100,000

Number of Transactions

90,000
80,000
70,000

60,000
50,000
40,000
30,000
20,000
10,000
0

ABL HBL BAH UBL BAF SON MBL FSB

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

ASK SCB
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 28

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

Position

BAH
HBL
BAH
SON
BAF
MBL
SON
UBL
FSB
BAH

1st Place
2nd Place
3rd Place
4th Place
5th Place
6th Place
7th Place
8th Place
9th Place
10th Place

Number Of Transaction
8,135
8,091
7,453
7,414
7,001
6,354
6,353
6,254
5,928
5,898

1.4.5 Top 10 Local ATM - Withdrawal Amount

Member Bank

Position

HBL
BAH
BAF
BAH
BOP
SON
UBL
BAH
BAH
FSB

1st Place
2nd Place
3rd Place
4th Place
5th Place
6th Place
7th Place
8th Place
9th Place
10th Place

Number Of Transaction
60,843,500
58,193,000
54,627,000
50,642,000
49,764,500
48,579,500
47,390,000
46,523,500
45,503,000
42,808,000

Confidential
1LINK (Guarantee) Limited

Page 9 of 28

1.5. INTER BANK FUNDS TRANSFER (IBFT)

1.6.

Summary
ATM
321,479
16,859,849,739

Transactions
Volume

Mobile
12,517
628,481,416

Call Center
Internet
2,692
106,718
132,608,142 5,230,837,403

Total
443,406
22,851,776,700

Receiving Banks

1.6.1. Number of Transactions

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

ABL
0
1,159
6,604
4,080
0
445
273
62
29
188
2,601
10,346
242
274
871
433
0
5,461
5
295
910
276
77
3,825
38,456
8.67%

ASK
7,470
0
9,007
5,985
3
548
334
71
54
237
3,851
12,381
323
656
41
575
0
7,180
0
279
845
360
273
5,411
55,884
12.60%

BAF
5,671
1,130
1
3,646
21
337
256
32
17
196
3,172
7,501
215
256
803
542
4
5,625
4
315
937
234
75
2,557
33,547
7.57%

BAH
7,594
1,333
8,032
1
53
498
286
113
38
181
3,632
13,804
382
479
1,719
774
11
6,420
15
407
1,651
550
1,391
4,892
54,256
12.24%

BAL
39
11
49
52
0
15
2
0
0
4
44
71
3
2
30
17
0
80
0
4
15
13
0
25
476
0.11%

BIP
406
85
568
424
0
0
23
12
0
20
189
874
12
27
131
61
0
422
0
28
76
15
59
265
3,697
0.83%

BOP
576
130
643
257
3
32
0
7
9
26
272
994
36
21
126
52
3
408
0
51
82
30
4
366
4,128
0.93%

BUR
43
15
80
71
0
10
3
0
0
6
64
111
17
3
30
10
0
123
0
7
11
0
0
35
639
0.14%

CIT
145
50
161
147
0
52
5
4
0
19
139
377
15
11
0
36
0
1,083
0
43
31
19
3
142
2,482
0.56%

Sending Banks
DUB
FSB
212
3,716
63
708
305
5,610
268
3,930
5
60
44
281
17
223
6
64
6
40
0
186
192
0
461
4,816
24
249
19
263
84
1,335
62
623
0
0
697
5,051
1
9
52
363
62
504
26
344
0
93
99
1,805
2,705
30,273
0.61%
6.83%

HBL
6,079
1,807
5,873
4,976
65
622
360
58
23
187
2,345
0
312
310
219
446
4
6,685
20
383
1,304
304
231
3,142
35,755
8.06%

JSB
778
197
1,107
828
10
73
51
12
6
45
557
1,143
0
77
186
68
5
1,230
4
72
143
107
44
587
7,330
1.65%

KAS
375
98
540
480
6
27
19
3
0
29
273
644
35
0
99
41
9
495
3
24
59
40
6
297
3,602
0.81%

MBL
29
107
37
445
0
36
28
0
0
21
304
545
27
18
0
35
0
339
2
37
56
0
31
155
2,252
0.51%

NIB
831
224
1,160
1,107
25
94
51
21
9
37
661
1,588
80
89
0
0
4
1,614
10
118
214
105
15
663
8,720
1.97%

SAM
10
2
14
21
1
1
0
1
0
2
17
15
4
1
9
4
0
36
0
4
2
0
0
8
152
0.03%

SCB
9,494
3,206
11,562
9,456
0
1,089
606
153
25
145
6,984
16,958
1,090
1,108
565
1,805
0
0
0
1,173
2,570
1,515
826
6,477
76,807
17.32%

SIN
22
2
9
19
0
2
0
1
0
1
6
26
3
1
7
4
0
16
0
1
5
7
2
10
144
0.03%

SLK
527
171
629
472
0
39
34
14
25
66
366
1,238
49
21
91
79
0
1,001
2
7
163
31
1
318
5,344
1.21%

SON
2,613
462
3,472
2,704
8
161
104
22
8
68
1,366
4,018
144
131
710
180
0
1,851
21
141
0
122
305
1,876
20,487
4.62%

SUM
1,508
403
1,755
2,302
11
194
145
25
8
158
837
2,000
205
125
294
190
12
2,188
15
133
353
0
216
1,709
14,786
3.33%

120,000

Number of Transactions

100,000

80,000

60,000
Sending
Receiving

40,000

20,000

Banks

Confidential
1LINK (Guarantee) Limited

Page 10 of 28

TAM
256
20
103
139
0
12
0
0
0
0
43
186
4
3
36
1
0
17
0
0
74
2
0
309
1,205
0.27%

UBL
9,549
718
2,908
2,522
9
324
153
38
197
188
1,561
15,249
318
282
472
286
0
4,536
5
221
556
163
24
0
40,279
9.08%

Total
57,943
12,101
60,229
44,332
280
4,936
2,973
719
494
2,010
29,476
95,346
3,789
4,177
7,858
6,324
52
52,558
116
4,158
10,623
4,263
3,676
34,973
443,406

REC %
13.07%
2.73%
13.58%
10.00%
0.06%
1.11%
0.67%
0.16%
0.11%
0.45%
6.65%
21.50%
0.85%
0.94%
1.77%
1.43%
0.01%
11.85%
0.03%
0.94%
2.40%
0.96%
0.83%
7.89%

Receiving Banks

1.6.2. Transaction Amount

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

ABL
0
90,775,735
551,379,652
293,148,156
0
32,134,048
17,608,071
4,018,657
901,203
11,777,551
195,648,733
602,632,395
14,510,480
16,524,173
62,118,073
28,995,046
0
366,246,919
222,452
19,053,431
59,327,829
18,794,403
8,695,352
328,439,804
2,722,952,163
11.92%

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR

ASK
402,159,341
0
568,348,461
315,467,800
199,000
23,835,881
13,634,804
3,538,282
2,801,251
13,620,095
199,580,135
491,118,649
15,511,800
38,973,376
2,731,454
29,499,443
0
377,378,335
0
12,122,764
47,317,134
22,046,964
17,698,915
356,497,747
2,954,081,631
12.93%

BAF
380,413,510
86,003,272
10
227,734,802
2,096,000
25,927,944
18,869,085
1,895,652
703,575
12,551,090
193,864,815
402,484,888
12,592,615
18,983,978
49,277,315
38,322,958
94,240
366,042,231
499,000
23,197,357
56,909,687
23,189,720
8,736,401
204,793,480
2,155,183,625
9.43%

BAH
332,677,446
63,327,380
376,417,267
14,001
2,390,090
20,938,304
12,590,447
4,165,541
1,214,200
8,088,260
152,967,898
515,627,686
16,569,207
22,184,749
70,364,130
35,534,005
456,320
255,476,855
392,950
18,042,364
70,262,940
30,550,568
94,770,539
222,520,706
2,327,543,853
10.19%

Allied Bank Limited

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

BAL
2,219,425
548,150
3,744,780
3,650,630
0
1,200,500
110,000
0
0
257,020
2,320,133
3,536,050
200,000
35,000
3,126,225
1,030,300
0
4,169,331
0
382,400
669,330
746,747
0
2,282,550
30,228,571
0.13%

BIP
16,603,926
2,715,767
25,055,880
16,357,638
0
0
913,954
473,400
0
699,530
7,477,421
27,102,141
456,000
859,085
5,551,790
2,474,810
0
17,123,105
0
1,422,802
2,734,436
727,500
4,203,400
9,065,505
142,018,090
0.62%

BIP
BOK
BOP
CIT
DUB
FSB
HBL

BOP
46,491,441
9,707,100
58,643,336
19,982,128
22,000
1,997,844
0
728,500
1,759,000
2,335,230
18,154,974
57,251,814
3,257,950
814,200
8,406,195
4,503,200
135,000
35,904,015
0
2,501,824
3,940,140
3,607,600
524,000
35,322,294
315,989,785
1.38%

BUR
2,468,855
475,746
7,127,435
2,201,344
0
577,350
54,000
0
0
305,500
2,733,230
5,169,944
977,020
53,250
2,237,600
230,000
0
3,610,129
0
407,100
839,560
0
0
1,514,350
30,982,413
0.14%

CIT
5,065,338
2,179,504
8,774,266
4,275,647
0
2,385,665
68,000
103,500
0
1,045,204
5,927,180
15,166,796
353,063
174,680
0
1,528,623
0
53,833,069
0
4,524,755
826,115
1,006,021
15,000
4,291,715
111,544,141
0.49%

Sending Banks
DUB
FSB
8,252,998 205,214,173
2,088,170
41,125,290
12,878,914 326,681,195
10,462,717 224,539,236
155,700
2,533,689
1,838,350
14,655,755
482,800
13,596,714
220,860
2,368,188
97,876
1,580,576
0
10,037,070
7,593,320
0
16,487,258 226,351,696
954,417
12,775,317
349,000
13,159,180
2,567,278
70,708,853
2,601,350
34,355,226
0
0
25,661,753 257,121,761
5,000
316,000
2,727,600
19,280,073
2,413,455
23,859,129
996,314
22,412,160
0
5,127,690
4,021,097
95,830,403
102,856,227 1,623,629,374
0.45%
7.11%

Bank Islami Pakistan

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

HBL
198,103,711
55,863,611
214,294,642
158,998,970
2,033,382
21,328,525
12,145,360
1,465,443
470,209
7,638,092
78,691,179
0
11,368,286
12,727,836
6,803,769
14,111,043
260,200
233,138,363
795,000
13,449,465
37,808,255
9,713,098
16,902,056
107,073,737
1,215,184,232
5.32%

JSB
39,713,852
10,703,077
54,061,724
35,508,674
481,000
3,234,280
2,604,260
398,171
144,216
1,926,414
23,645,812
50,950,419
0
3,929,440
8,238,700
3,323,944
56,600
56,160,335
134,500
3,311,723
6,340,572
5,062,534
3,405,700
33,188,881
346,524,828
1.52%

HMB
JSB
KAS
KSF
MBL
NBP
NIB

KAS
31,232,537
10,538,982
45,629,294
33,555,769
211,500
1,041,500
1,329,400
105,000
0
2,327,526
18,116,880
44,864,808
3,266,835
0
7,952,520
2,585,170
871,000
34,329,127
27,000
1,751,272
2,816,825
3,396,677
520,000
30,677,260
277,146,882
1.21%

MBL
1,202,468
5,577,325
2,238,100
19,567,227
0
1,456,225
930,250
0
0
867,500
15,266,895
23,198,582
1,745,350
943,000
0
1,387,150
0
13,374,391
35,600
1,707,480
2,274,900
0
486,000
7,901,339
100,159,782
0.44%

NIB
42,107,163
15,352,982
59,212,895
49,797,321
1,288,505
4,365,320
1,829,000
836,540
294,866
1,204,256
31,421,170
53,197,635
4,037,628
4,517,682
0
0
60,004
75,892,544
750,800
4,789,094
7,176,028
5,496,912
1,470,750
33,932,542
399,031,637
1.75%

SCB
512,938,769
176,290,056
775,996,094
458,580,261
0
43,645,934
35,936,495
6,277,759
342,330
6,004,700
368,495,882
757,788,412
55,507,863
68,683,606
23,781,793
97,660,038
0
0
0
77,236,956
125,844,263
122,561,785
61,761,619
372,044,850
4,147,379,465
18.15%

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
167,050
125,000
1,043,330
611,950
4,000
150,000
0
4,800
0
104,050
625,000
583,180
84,000
34,500
430,000
162,900
0
1,283,541
0
20,540
40,000
0
0
502,750
5,976,591
0.03%

Page 11 of 28

SIN
757,700
4,000
402,350
481,550
0
45,000
0
10,000
0
50,000
140,300
522,860
12,700
40,000
547,000
173,000
0
567,500
0
10,278
161,000
375,000
150,000
556,320
5,006,558
0.02%

SLK
34,112,093
12,069,895
44,426,280
28,869,673
0
2,158,205
1,671,399
467,562
2,687,903
4,022,454
18,630,545
72,584,649
2,419,155
793,931
5,303,160
4,914,240
0
57,528,246
205,100
456,095
11,135,079
1,937,241
134,440
17,775,475
324,302,820
1.42%

SAM
SCB
SLK
SON
SUM
TAM
UBL

SON
163,472,401
23,860,820
204,644,383
136,728,086
502,000
6,503,527
5,869,282
468,506
500,523
4,296,435
65,592,338
189,396,307
7,950,634
4,456,054
27,819,877
9,335,239
0
94,760,291
732,650
6,621,500
0
5,542,068
15,845,551
111,273,308
1,086,171,780
4.75%

SUM
85,714,367
23,608,952
99,078,029
115,112,195
314,099
9,775,038
7,883,791
936,294
350,000
25,565,880
43,601,274
84,733,872
10,628,948
6,374,160
11,640,907
8,667,179
586,500
111,141,891
600,750
5,758,132
13,486,249
0
19,277,564
100,149,141
784,985,212
3.44%

TAM
37,122,636
3,317,000
19,253,213
22,058,130
0
1,292,860
0
0
0
0
6,326,400
20,441,600
82,500
352,000
5,922,020
80,000
0
735,600
0
0
7,388,756
1,082,000
0
40,526,070
165,980,785
0.73%

UBL
308,763,700
28,864,580
131,574,123
107,666,439
530,000
14,359,649
4,891,025
1,027,752
2,738,420
9,689,467
68,032,096
514,710,054
14,265,692
13,263,309
20,635,793
13,891,478
0
180,743,069
73,625
10,248,305
22,371,200
7,133,979
1,442,500
0
1,476,916,255
6.46%

Total
2,856,974,900
665,122,394
3,590,905,653
2,285,370,344
12,760,965
234,847,704
153,018,137
29,510,407
16,586,148
124,413,324
1,524,853,610
4,175,901,695
189,527,460
228,226,189
396,164,452
335,366,342
2,519,864
2,622,222,401
4,790,427
229,023,310
505,942,882
286,379,291
261,167,477
2,120,181,324
22,851,776,700

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

REC %
12.50%
2.91%
15.71%
10.00%
0.06%
1.03%
0.67%
0.13%
0.07%
0.54%
6.67%
18.27%
0.83%
1.00%
1.73%
1.47%
0.01%
11.47%
0.02%
1.00%
2.21%
1.25%
1.14%
9.28%

1.6.3. IBFT via Internet

Receiving Banks

ABL
ABL
ASK
442
BAF
1,599
BAH
1,216
BAL
BIP
137
BOP
133
BUR
22
CIT
23
DUB
102
FSB
809
HBL
2,998
JSB
123
KAS
117
MBL
148
NIB
159
SAM
SCB
2,979
SUM
4
SLK
145
SON
315
Total 11,471
SEN % 10.75%

Number of Transactions

1.6.3.2.

Sending Banks
ASK
BAF BAH BUR
CIT
HBL
JSB
NIB
SCB
SLK
SON
SUM
1,801
- 1,088
10
138 1,281
228
318 7,275
122
56
255
300
12
48
552
70
62 2,542
35
11
76
1,995
- 1,120
9
142 1,188
275
329 8,215
205
41
354
1,241
1
23
126
622
215
273 7,268
118
61
383
1
31
5
18
1
5
206
1 174
2
46
181
33
43
934
10
9
41
118
52
1
5
71
30
18
483
5
4
19
44
34
4
14
8
9
112
6
1
8
46
26
21
5
4
21
3
6
39
30
15
41
30
12
29
4
5
1,067
2 625
14
126
169
175
204 5,207
130
36
204
3,326
4 2,572
18
332
356
543 12,985
309
118
540
113
94
7
15
128
42
881
14
6
72
281
111
1
11
80
37
25
887
21
8
27
2 497
8
47
13
98
184
122
4
36
126
24
1,303
21
4
30
4
4
4
3,432
7 2,234
53 1,024 3,002
706
697
439
122
775
6
4
2
4
2
5
160
98
5
42
153
35
56
976
2
68
5
345
4
31
332
47
75 2,116
58
63
14,058
16 9,530 171
2,141 8,000 2,332 2,732 51,184 1,545
500
3,038
13.17% 0.01% 8.93% 0.16% 2.01% 7.50% 2.19%
2.56% 47.96% 1.45% 0.47% 2.85%

Total
12,572
4,150
15,472
11,547
61
1,817
939
262
155
307
8,768
24,101
1,495
1,606
813
2,013
12
15,470
27
1,740
3,391
106,718

REC %
11.78%
3.89%
14.50%
10.82%
0.06%
1.70%
0.88%
0.25%
0.15%
0.29%
8.22%
22.58%
1.40%
1.50%
0.76%
1.89%
0.01%
14.50%
0.03%
1.63%
3.18%

ABL

Receiving Banks

1.6.3.1.

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

31,229,954
118,212,721
74,758,034
8,334,228
7,005,235
645,357
864,353
6,144,425
49,688,943
167,598,846
6,565,960
6,071,788
8,382,887
9,523,529
182,945,687
122,452
8,316,004
15,660,834
702,071,237
13.42%

Volume
ASK
73,612,257
105,821,713
49,973,692
7,146,342
4,247,441
1,927,392
2,502,326
2,383,293
49,595,213
110,988,145
4,158,880
17,126,245
7,244,462
163,172,432
6,239,559
400,719
606,540,111
11.60%

BAF
BAH
- 43,137,498
- 11,772,287
- 45,135,793
14,001
10,000
5,000 6,680,399
- 1,340,132
743,095
757,600
- 1,033,845
14,000 20,688,433
271,850 89,395,641
- 2,819,897
- 5,586,590
297,150 18,324,394
- 3,830,530
109,450 83,839,341
84,400
- 3,358,007
- 10,920,783
697,450 349,472,666
0.01%
6.68%

BUR
239,355
125,400
750,699
473,194
67,550
7,000
407,130
509,700
292,500
100
542,700
65,000
1,458,329
122,100
45,060
5,105,817
0.10%

CIT
4,593,338
2,074,504
7,645,276
3,812,433
2,256,299
68,000
103,500
959,756
5,582,080
13,061,826
353,063
174,680
1,528,623
51,774,768
4,521,755
826,115
99,336,016
1.90%

Sending Banks
HBL
JSB
NIB
SCB
42,053,300 10,775,844 17,416,639 378,976,014
16,956,982 3,266,845 3,471,960 137,350,154
40,518,990 10,476,245 17,556,342 559,406,705
19,246,227 7,747,110 9,952,939 360,466,390
801,777 230,000 1,069,501
6,739,495 985,130 2,126,260 38,547,531
2,650,773 1,522,000 722,000 30,194,260
342,368 197,171 198,440 4,787,559
408,209 94,216 129,366
2,382,790 1,275,114 431,496
4,935,546 6,265,904 9,660,070 282,265,496
- 12,986,615 19,608,360 607,952,775
4,745,302
- 2,257,403 45,894,400
3,183,402 2,024,000 998,828 58,111,648
- 1,632,440
3,430,991 1,147,914
- 70,468,609
260,200 39,500
103,286,224 32,886,860 37,254,313
188,000 59,500 335,800
5,491,520 1,912,918 2,090,278 69,740,311
10,190,859 1,525,425 2,873,537 108,316,667
267,812,955 97,050,751 128,153,532 2,752,478,519
5.12%
1.86%
2.45%
52.62%

SLK
SON
SUM
Total
6,394,560 3,218,583 9,852,786 590,270,174
1,604,744 363,250 2,999,264 211,215,344
13,416,577 2,082,987 16,248,183 937,272,231
5,974,492 2,038,289 12,444,401 546,901,202
25,000 130,000 2,266,278
572,125 397,700 1,241,881 75,099,940
196,500 281,750 725,344 48,960,435
305,000 1,500 226,371 9,477,753
1,538,680 134,523 245,000 6,674,273
1,716,635 258,000 25,300 16,610,654
4,925,799 2,256,509 7,815,425 444,100,548
14,560,510 5,941,047 21,891,410 1,064,766,725
419,055 114,566 2,808,934 70,429,960
793,931 183,000 996,450 95,250,662
- 617,136 2,789,976 32,586,683
1,304,500 80,065 786,135 99,410,358
144,000 443,700
23,983,349 5,541,298 32,076,433 718,328,484
205,100
107,250 1,102,502
54,000 1,971,924 103,818,376
2,537,180
- 2,553,942 155,851,121
80,448,737 23,589,203 118,080,409 5,230,837,403
1.54% 0.45%
2.26%

REC %
11.28%
4.04%
17.92%
10.46%
0.04%
1.44%
0.94%
0.18%
0.13%
0.32%
8.49%
20.36%
1.35%
1.82%
0.62%
1.90%
0.01%
13.73%
0.02%
1.98%
2.98%

1.6.4. IBFT via Call Center

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR

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

Number of Transactions

DUB
151
52
185
183
0
27
14
3
5
0
122
318
15
7
62
44
0
517
1
39
48
1,793
66.60%

Allied Bank Limited

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

FSB
1
0
5
4
0
1
0
1
0
0
0
9
2
1
0
3
0
12
0
2
1
42
1.56%

BIP
BOK
BOP
CIT
DUB
FSB
HBL

Sending Banks
NIB
44
29
60
55
1
2
1
0
0
0
35
59
4
14
0
0
1
63
0
1
10
379
14.08%

SON
61
10
69
43
0
4
1
1
0
11
33
123
1
6
9
4
0
97
0
5
0
478
17.76%

Bank Islami Pakistan

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

1.6.4.2.

Total
257
91
319
285
1
34
16
5
5
11
190
509
22
28
71
51
1
689
1
47
59
2,692

REC %
9.55%
3.38%
11.85%
10.59%
0.04%
1.26%
0.59%
0.19%
0.19%
0.41%
7.06%
18.91%
0.82%
1.04%
2.64%
1.89%
0.04%
25.59%
0.04%
1.75%
2.19%

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Receiving Banks

Receiving Banks

1.6.4.1.

Volume

DUB
ABL
5,646,888
ASK
1,684,290
BAF
7,708,534
BAH
6,182,812
BAL
0
BIP
1,009,150
BOP
332,600
BUR
108,360
CIT
69,000
DUB
0
FSB
4,365,713
HBL 10,589,123
JSB
362,417
KAS
133,000
MBL
1,787,478
NIB
2,144,350
SAM
0
SCB 18,562,471
SIN
5,000
SLK
2,147,810
SON
1,797,255
Total 64,636,251
SEN %
48.74%

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
15,000
0
90,500
72,800
0
5,000
0
14,200
0
0
0
226,060
8,000
78,000
0
5,316
0
306,000
0
54,000
3,500
878,376
0.66%

Page 12 of 28

Sending Banks
NIB
SON
5,028,345 5,060,168
4,959,800
533,980
6,510,616 5,540,861
5,081,050 2,663,648
2
0
275,000
225,900
25,000
60,000
0
20,000
0
0
0
745,550
2,970,786 1,864,480
3,438,496 7,939,937
339,260
100,000
1,858,500
103,000
0
463,500
0
131,000
2
0
5,208,334 5,196,133
0
0
16,000
111,336
622,831
0
36,334,022 30,759,493
27.40%
23.20%

SAM
SCB
SLK
SON
SUM
TAM
UBL

Total
15,750,401
7,178,070
19,850,511
14,000,310
2
1,515,050
417,600
142,560
69,000
745,550
9,200,979
22,193,616
809,677
2,172,500
2,250,978
2,280,666
2
29,272,938
5,000
2,329,146
2,423,586
132,608,142

REC %
11.88%
5.41%
14.97%
10.56%
0.00%
1.14%
0.31%
0.11%
0.05%
0.56%
6.94%
16.74%
0.61%
1.64%
1.70%
1.72%
0.00%
22.07%
0.00%
1.76%
1.83%

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

Receiving Banks

SON

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR

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

901
190
1,383
1,468
1
57
33
15
2
14
713
1,219
52
42
463
74
579
9
44
36
276
1,005
8,576
68.51%

Allied Bank Limited

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

Sending Banks
SUM
FSB
36
277
18
60
63
483
72
362
2
43
5
31
1
7
17
1
22
14
102
509
5
24
3
36
36
178
10
36
51
812
4
71
15
86
73
1
47
225
485
3,353
3.87%
26.79%

BIP
BOK
BOP
CIT
DUB
FSB
HBL

2.1.5.2. Volume

SIN
16
2
8
13
1
1
1
17
3
6
2
13
3
5
2
10
103
0.82%

Bank Islami Pakistan

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

Total
1,230
270
1,937
1,915
1
102
69
24
19
38
728
1,847
84
81
683
122
1,455
9
119
104
114
279
1,287
12,517

REC %
9.83%
2.16%
15.47%
15.30%
0.01%
0.81%
0.55%
0.19%
0.15%
0.30%
5.82%
14.76%
0.67%
0.65%
5.46%
0.97%
11.62%
0.07%
0.95%
0.83%
0.91%
2.23%
10.28%

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Receiving Banks

2.1.5.1. Number of Transactions

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

SON
57,592,932
9,601,228
76,754,933
69,757,903
2,000
2,675,277
1,459,809
285,009
200,000
804,995
30,261,492
53,560,147
2,217,084
661,954
14,600,654
3,879,420
25,162,540
136,950
1,022,490
1,355,340
13,032,481
57,163,228
422,187,866
67.18%

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
SUM
FSB
1,189,930 15,665,875
742,500
2,392,336
3,003,840 33,118,661
2,061,376 18,866,753
65,000
3,608,556
222,200
1,541,700
410
179,800
385,300
10,000
1,909,470
437,200
3,500,602 25,184,431
122,300
1,078,713
225,000
2,682,920
1,317,040 10,255,639
275,000
2,025,234
1,382,539 43,917,909
36,000
3,308,324
237,120
4,164,683
4,429,640
274
1,839,900 11,097,095
16,667,957 185,813,313
2.65%
29.57%

Page 13 of 28

SAM
SCB
SLK
SON
SUM
TAM
UBL

SIN
524,700
4,000
362,350
407,950
10,000
50,000
300
317,460
12,700
546,000
8,000
489,500
53,000
320,000
150,000
556,320
3,812,280
0.61%

Total
74,973,437
12,740,064
113,239,784
91,093,982
2,000
6,348,833
3,223,709
475,219
585,300
2,774,465
30,698,992
82,562,640
3,430,797
3,569,874
26,719,333
6,187,654
70,952,488
136,950
4,366,814
4,454,803
6,104,980
13,182,755
70,656,543
628,481,416

REC %
11.93%
2.03%
18.02%
14.49%
0.00%
1.01%
0.51%
0.08%
0.09%
0.44%
4.88%
13.14%
0.55%
0.57%
4.25%
0.98%
11.29%
0.02%
0.69%
0.71%
0.97%
2.10%
11.24%

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

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
305,908 68.99%
6,188,019,034
93,252 21.03%
8,118,232,848
15,824 3.57%
2,112,453,611
11,613 2.62%
2,207,680,904
16,128 3.64%
3,951,775,874
681 0.15%
273,614,429

443,406

22,851,776,700

IBFT Payments

2.3.1. Credit Card Bill Payments

Bank
HBL

Transactions

Amount
63

626,906

Confidential
1LINK (Guarantee) Limited

Page 14 of 28

%
27.08%
35.53%
9.24%
9.66%
17.29%
1.20%

3.0. VISA TRANSACTIONS

Issuer Banks

3.1.

Visa Local Transactions on POS

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

BAF
23,257
16,824
15,438
3,182
7,076
24,542
4,435
2,662
18,155
7,407
9,708
8,239
29,418
170,343

Acquirer POS
CIT HBL MCB
SCB
109 0 9,409 9,867
62
0 6,940 6,463
113 1 7,404 6,891
29
0 1,469 1,464
34
0 2,996 2,537
150 6 9,648 8,091
49
0 1,799 1,617
18
0 1,166 1,179
100 0 7,573 6,911
46
0 2,798 2,816
64
0 5,164 4,627
45
0 3,460 3,390
74 11 11,668 12,001
893 18 71,494 67,854

UBL
16
7
9
0
2
7
0
0
0
9
10
5
116
181

Others
180
101
101
7
84
143
17
16
44
48
79
42
559
1,421

Total
42,838
30,397
29,957
6,151
12,729
42,587
7,917
5,041
32,783
13,124
19,652
15,181
53,847
312,204

*All
Valid Rejection + Successful % after Amount for
Valid rejections Processed OK
Processed Ok Processed Ok
34,811
37,271
87.00% 114,574,957
26,005
26,893
88.47%
99,968,780
26,637
28,119
93.86%
91,069,167
5,281
5,609
91.19%
16,351,601
12,109
12,560
98.67%
49,574,573
35,396
37,244
87.45% 125,152,434
6,262
6,481
81.86%
21,425,136
4,593
4,775
94.72%
15,541,366
30,262
31,278
95.41% 105,957,690
11,777
12,371
94.26%
45,850,262
17,698
18,599
94.64%
59,947,086
13,254
13,767
90.69%
43,657,926
44,331
47,545
88.30% 156,292,595
268,416
282,512
90.49% 945,363,573

1LINK VISA LOCAL VOLUME

UBL

ABL

ASK

SUM
SON

BAH
SLK

DUB

MBL
FSB
KAS JSB

Confidential
1LINK (Guarantee) Limited

Page 15 of 28

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

Shoe Stores

Drug Stores & Pharmacies

Bakeries

10

Mens & Boys Clothings Stores

11

Mens, Women Clothing Store

12

Hospitals

13

Misc. Apparel & Accessory Shops

14

Hotels, Motels, & Resorts

15

Misc. general Merchandise

16

Cosmetic Stores

17

Sewing, Needlework, Fabric, and Piece Goods Stores

18

Childrens and Infants Wear Stores

19

Telecommunications Services

20

Sewing, Needlework, Fabric, and Piece Goods Stores

62,482
35,268
22,982
21,579
20,436
12,069
10,307
9,484
7,509
7,012
6,539
4,962
3,993
3,109
2,980
2,593
2,555
2,144
2,115
2,058

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 28

SON
SUM
UBL

Soneri Bank Limited

Summit Bank
United Bank Limited

Amount
80,170,992
144,245,142
79,795,019
101,724,635
43,340,505
12,434,619
30,167,375
23,003,861
5,809,817
32,893,505
35,037,773
48,814,985
16,984,335
25,080,842
14,952,493
11,109,113
15,149,233
9,523,589
5,706,100
12,967,792

3.2. *Visa International- Bank Wise Transactions

Total Transactions

Process Ok

8,030
4,298
4,509
885
3,061
5,095
697
638
2,658
1,516
3,214
1,576
39,346
75,523

2,572
1,906
2,344
328
1,877
2,207
415
207
1,647
517
1,142
563
14,495
30,220

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

Valid Rejections +
Processed OK
6,663
2,539
4,229
792
3,000
4,310
607
341
2,367
1,273
2,474
1,425
29,834
59,854

Successful % after
Valid Rejections
82.98%
59.07%
93.79%
89.49%
98.01%
84.59%
87.09%
53.45%
89.05%
83.97%
76.98%
90.42%
75.82%
82%

Amount (USD)
312,149
243,477
309,108
52,011
301,922
280,665
69,032
27,010
219,628
65,378
141,452
101,803
1,658,198
3,781,834

3.2.1. Top 20 International Countries

Country

Transactions

United States

32,567

United Kingdom

9,511

United Arab Emirates

8,217

China

5,215

Saudi Arabia

5,121

Malaysia

1,966

European Union

1,909

Kyrgyzstan

1,693

Thailand

1,421

Canada

1,066

Bahrain

859

India

680

Oman

605

South Africa

475

Qatar

455

Bangladesh

413

Turkey

373

Singapore

369

Australia

346

Sri Lanka

221

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

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

Confidential
1LINK (Guarantee) Limited

February 2013
Page 17 of 28

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
Civic, Social, Fraternal Associations
Groceries Stores, Supermarkets
Record Stores
Computer Network Services
Department Stores
Hotels, Motels, & Resorts
Eating Places, Restaurants
Miscellaneous Business Services
Family Clothing Stores
Professional Services
Duty Free Stores
Telecommunications Services
Security Brokers/Dealers
Government Services (Not Elsewhere Classified)
Men, Women Clothing Store
Fast Food Restaurants
Direct Marketing - Subscription
Direct Marketing - Catalog Merchant
Financial Institutions
Jewelery Stores, Watches, Clocks, and Silverware
Stores

Confidential
1LINK (Guarantee) Limited

Page 18 of 28

Transactions

Amount

3,108
856
476
425
395
375
371
342
338
338
300
272
272
225
218
216
174
172
157
154

602,419
57,762
2,350
22,130
54,570
77,552
16,602
14,420
40,635
41,306
28,300
5,335
103,098
18,352
31,166
3,501
4,952
5,098
24,807
86,772

3.3. VISA SMS Acquiring Service

UBL
Processed Ok
Total Number of Transactions
Success Percentage
Amount PKR

Withdrawals Balance Inquiries

Grand Total
10,729
1,331
12,060

18,944
56.64%
140,883,500

2,122
62.72%

21,066
57.25%
140,883,500

3.3.1 Top Issuers

Banks
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

City
Seoul
Johannesburg
Johannesburg
Jeddah
Dubai

Confidential
1LINK (Guarantee) Limited

Page 19 of 28

Country
South Korea
South Africa
South Africa
SAUDI ARABIA
UAE

Transactions
1,446
743
594
564
343

Amount
17,655,000
10,746,000
7,380,500
6,364,000
4,858,500

4.0. UTILITY BILL PAYMENT SERVICE (UBPS)

4.1. UBPS Banks Position
Member Bank

Position

Transactions

1st Place

UBL

223,113

2nd Place

SCB

53,791

3rd Place

HBL

50,659

4th Place

ASK

34,460

5th Place

ABL

21,190

6th Place

BAH

15,462

7th Place

SON

9,191

8th Place

FSB

4,529

9th Place

SUM

2,831

10th Place

BAF

1,623

11th Place

JSB

1,432

12th Place

SLK

828

13th Place

SAM

239

14th Place

BAL

50

15th Place

BUR

30

16th Place

BAR

19

17th Place

CIT

16

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 20 of 28

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

4.2. UBPS Transactions

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

Sui- Gas

Post Pay

SSGC

SNGPL

LESCO

KESC

HESCO

881
3,504
32
2,488
12
2
9
1
178
7,244
98
29
3,240
57
760
371
94
19,000

2,210
9,839
176
695
10
3
1
9
310
13,181
56
14
2,465
43
401
313
183
29,909

2,025
8,534
314
769
15
3
5
4
463
4,047
50
20
1,155
70
587
207
222,184
240,452

797
2,286
47
2,751
13
11
15
2
244
4,054
87
33
3,479
64
687
355
74
14,999

0
0
1
0
0
0
0
0
0
0
0
0
0
0
151
0
0
152

Amount 62,334,530 78,611,520

278,191,752

Pre Pay

Post Pay

UFONE

1,195
679
79
826
0
0
0
0
413
1,998
104
23
4,247
65
503
138
79
10,349

6,451
4,310
98
3,187
0
0
0
0
1,055
13,795
425
83
19,840
183
3,639
503
167
53,736

Pre Pay

Post Pay

WARID

2,326
1,536
681
1,827
0
0
0
0
902
1,979
155
21
7,299
162
653
382
264
18,187

2,729
2,079
109
1,545
0
0
0
0
550
2,249
222
5
5,850
114
689
323
68
16,532

38,145,351 280,762 13,742,272 17,934,465 29,232,470 5,694,960

Confidential
1LINK (Guarantee) Limited

ISP

Telco's

Electricity

Page 21 of 28

Pre Pay

Post Pay

Telenor

Total

Pre Pay
Wateen

Zong

699
494
36
435
0
0
0
0
171
520
59
5
2,251
25
151
76
0
4,922

1,877
1,199
26
939
0
0
0
0
243
1,592
176
6
3,965
45
602
163
332
10,833

0
0
4
0
0
0
0
0
0
0
0
0
0
0
19
0
0
23

0
0
13
0
0
0
0
0
0
0
0
0
0
0
349
0
0
362

0
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7

21,190
34,460
1,623
15,462
50
19
30
16
4,529
50,659
1,432
239
53,791
828
9,191
2,831
223,445
419,463

6,347,112

3,603,991

26,700

117,300

4,300

534,267,485

4.2.1. UBPS via ATM

Sui- Gas

Banks

SSGC

SNGPL

Telco's

Electricity
LESCO

Post Pay

KESC

HESCO

ABL
191
553
607
148
ASK
3,178
7,720
7,937
2,044
BAF
32
176
314
47
BAH
430
181
227
462
BAL
12
10
15
13
BAR
2
3
3
11
BUR
9
1
5
15
CIT
1
9
4
2
FSB
74
208
353
116
HBL
464
1,081
613
530
JSB
8
12
0
13
SAM
8
7
13
7
SCB
483
544
1,155
582
SLK
34
16
31
38
SON
105
128
193
101
SUM
55
45
45
71
UBL
94
183
248
74
Total
5,180
10,877
11,763
4,274
Amount 7,993,840 28,508,290 26,086,524 10,077,703

Pre Pay

UFONE

Post Pay

Pre Pay

WARID

ISP

Post Pay

Pre Pay

Telenor

Post Pay

Zong

0
178
333
509
127
80
100
0
0
52
426
126
138
31
110
0
1
79
98
681
109
36
26
4
0
153
267
548
125
67
54
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
123
141
441
79
39
9
0
0
324
552
600
206
0
0
0
0
10
11
8
4
2
6
0
0
4
0
6
0
1
0
0
0
321
203
943
97
132
37
0
0
32
58
67
37
12
13
0
6
11
37
173
50
21
35
2
0
18
27
87
5
6
6
0
0
79
167
264
68
68
332
0
7
1,384
2,320
4,453
1,045
427
396
6
36,589 1,986,700 778,250 7,785,240 383,150 613,690 119,750 11,350

BAL

SUM

SON

BUR

SLK

UBL

CIT

JSB

Total

Pre Pay

0
0
13
0
0
0
0
0
0
0
0
0
0
0
23
0
0
36
11,100

Wateen

0
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
4,300

2,826
21,762
1,599
2,514
50
19
30
16
1,583
4,370
74
46
4,497
338
860
365
1,577
42,175
84,392,176

BAR
ABL

SCB
SAM

HBL

FSB
ASK
BAH
BAF

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 22 of 28

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

4.2.2. UBPS via Call Center

Sui Gas

Electricity

Telco's

Bank

ABL
SON
SUM
Total
Amount

Ufone

Warid

Telenor

Zong

Total

SSGC

SNGPL

LESCO

KESC

Post Pay

Pre Pay

Post Pay

Post Pay

Pre Pay

Pre Pay

0
3
33

1
2
23

0
5
6

0
3
7

0
3
2

0
4
0

0
12
1

0
0
1

0
3
0

0
5
0

36
53,080

26
80,170

11
26,960

10
31,073

5
8,150

4
1,250

13
20,050

1
1,750

3
1,000

5
1,250

1
40
73
114
224,733

Post Pay

Pre Pay

Post Pay

Post Pay

Pre Pay

Total

4.2.3. UBP via IVR

Sui- Gas

Banks
ABL
FSB
Total
Amount

Telco's

Electricity

SSGC

SNGPL

LESCO

KESC

UFONE

6
17
23
28,970

16
6
22
66,690

3
11
14
26,622

3
15
18
44,455

2
39
41
77,561

Pre Pay

WARID

37
138
175
47,050

20
13
33
66,743

Telenor

22
9
31
14,450

7
2
9
10,500

36
2
38
10,000

152
252
404
393,041

4.2.4. UBPS via Mobile

Sui Gas

Bank

Post Pay
SSGC

BAH
FSB
HBL
SON
SUM
Total
Amount

Telco

Electric

SNGP

LESCO

KESC

273
144
64
226
87
96
99
113
212
501
293
134
189
105
160
86
59
57
29
78
820
903
645
637
1,137,620 2,033,240 1,347,773 1,404,524

Pre Pay

HESCO

UFONE

0
0
0
131
0
131
218,525

0
0
251
776
817
9,105
233
2,188
0
0
1,301
12,069
1,424,244 3,623,200

Post Pay

Pre Pay

Post Pay

Warid

0
448
0
0
0
448
746,297

Pre Pay

Total

Telenor

0
462
0
0
0
462
160,000

0
130
0
0
0
130
140,080

0
232
0
0
0
232
76,500

707
2,332
11,062
3,092
223
17,778
12,312,003

4.2.5. 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

684
1,640
1,415
646
326
2,119
597
242
1,785
370
478
2,063
1,114
1,128
922
1,121
90
44
50
74
21
7
7
26
2,757
1,921
0
2,897
23
27
39
26
463
166
229
497
224
188
127
199
0
0
221,936
0
7,487
7,610
225,800
7,791
47,110,610 27,874,360 248,428,233 23,298,005

Post Pay
HESCO

UFONE

Pre Pay

Post Pay

Pre Pay

Post Pay

WARID

Pre Pay

Telenor

0
1,015
6,081
1,797
2,580
612
1,741
0
627
3,884
1,410
1,941
463
1,089
0
673
2,920
1,279
1,420
368
885
0
857
4,138
1,379
2,043
520
1,592
0
94
414
147
218
57
170
0
19
83
15
5
4
6
0
3,926
19,637
6,356
5,753
2,119
3,928
0
33
125
95
77
13
32
14
256
1,410
468
639
130
564
0
118
476
294
318
69
157
0
0
0
0
0
0
0
14
7,618
39,168
13,240
14,994
4,355
10,164
25,648 10,245,617 13,484,715 20,614,140 5,137,360 5,581,092 3,396,741

Post Pay

Pre Pay

Total

0
0
0
0
0
0
0
0
321
0
0
321
15,600

18,211
12,698
12,241
14,814
1,358
193
49,294
490
5,174
2,170
221,936
338,579
405,316,821

Zong

0
0
0
0
0
0
0
0
17
0
0
17
104,700

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 23 of 28

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

5.0. NON FINANCIAL SHARED ATM TRANSACTIONS

5.1.
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

Issuer Banks

Intra Switch Transactions

B

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

ABL
0
13,239
20,107
7,803
913
408
1,718
693
5,924
301
560
724
5,040
48,959
3,073
1,102
715
60
4,659
21,411
2,047
161
13,177
287
582
3,386
2,880
10,842
42,958
213,729
13.87%
ABL

ASK
5,469
0
4,597
2,295
513
352
543
104
1,531
176
216
395
1,664
14,648
614
283
269
4
1,223
9,844
533
51
3,999
40
276
1,089
359
4,335
10,397
65,819
4.27%
ASK

BAF
10,613
8,317
0
4,801
639
293
1,232
292
3,831
233
379
550
3,616
32,096
1,748
601
397
32
3,063
11,589
1,098
94
8,378
66
386
1,983
2,372
14,084
25,566
138,349
8.98%
BAF

BAH
10,813
6,320
10,835
0
634
476
1,184
185
2,656
319
340
537
3,889
53,228
5,186
980
661
29
3,825
18,347
1,625
240
9,886
428
436
3,047
1,129
7,974
34,575
179,784
11.67%
BAH

BAL
571
330
520
293
0
27
59
32
94
38
15
36
219
2,464
115
49
38
3
174
604
70
8
513
6
27
113
71
0
1,125
7,614
0.49%
BAL

BAR
134
223
141
70
8
0
13
5
7
4
31
33
63
167
38
4
22
0
23
74
21
7
1,772
0
6
16
8
3
158
3,051
0.20%
BAR

BIP
2,352
1,854
2,967
1,293
170
5
0
54
330
98
32
169
705
5,258
557
178
90
4
759
2,494
315
1
1,914
30
91
528
200
932
3,991
27,371
1.78%
BIP

BOK
494
418
558
179
25
9
58
0
35
12
6
17
144
1,324
42
13
9
0
114
631
37
1
292
1
10
55
185
86
1,377
6,132
0.40%
BOK

BOP
2,466
1,708
2,261
896
115
67
150
32
0
52
42
104
729
6,886
345
156
114
13
530
2,262
259
22
1,681
11
132
383
199
1,981
6,071
29,667
1.93%
BOP

BUR
608
396
663
392
51
50
83
5
144
0
27
99
377
1,564
173
96
75
2
301
489
99
12
780
5
66
170
52
34
1,129
7,942
0.52%
BUR

CIT
75
13
51
48
0
1
9
0
0
5
0
2
40
262
86
4
1
0
8
23
21
1
279
1
1
11
4
1
67
1,014
0.07%
CIT

DUB
788
824
764
566
62
35
135
15
184
45
33
0
490
1,810
198
75
46
1
349
1,066
131
10
848
5
48
202
85
101
1,305
10,221
0.66%
DUB

FSB
5,764
4,741
6,653
3,669
373
286
483
166
1,974
140
240
335
147
15,470
1,318
719
389
31
2,128
5,989
767
105
5,712
52
400
1,440
654
3,203
10,201
73,549
4.77%
FSB

P
Q
R
Acquirer Banks
HBL
HMB
JSB
18,279
32
2,004
13,594
957
1,404
17,091
1,123
2,510
10,307
2,174
1,120
683
123
193
396
145
62
1,683
221
204
378
33
15
5,356
385
491
285
78
44
483
47
61
703
139
138
3,819
667
645
0
4,838
7,970
3,113
0
228
988
160
0
592
141
108
38
3
11
3,779
652
554
23,723
1,765
2,465
1,494
285
251
163
38
51
10,980
1,421
1,330
291
26
786
546
115
112
3,727
495
629
2,605
131
4,745
12,594
113
1,975
41,787
2,932
4,247
179,477 19,239
34,353
11.65%
1.25%
2.23%
HBL
HMB
JSB

AA

AB

AC

AD

AE

AF

AG

KAS
1,355
932
950
668
0
1
122
23
320
50
19
83
487
4,332
201
106
0
6
554
1,437
183
0
1,015
32
61
333
165
2,544
2,391
18,370
1.19%
KAS

KSF
60
32
38
40
4
1
3
0
30
0
0
4
25
191
14
0
4
0
17
48
13
2
41
0
4
15
16
25
129
756
0.05%
KSF

MBL
7,917
6,039
6,639
5,457
1,019
356
1,148
339
1,955
274
376
531
3,279
23,883
2,128
586
364
32
0
10,250
1,060
151
5,345
87
379
1,851
924
2,854
16,317
101,540
6.59%
MBL

NBP
4,409
8,641
4,407
1,861
166
53
569
109
1,345
32
69
135
713
19,091
356
178
110
3
774
0
335
25
2,099
128
78
704
531
2,303
12,131
61,355
3.98%
NBP

NIB
2,331
1,619
2,228
1,272
152
120
238
42
668
78
70
129
864
5,269
431
168
166
7
742
2,668
0
33
2,044
35
145
581
183
701
3,456
26,440
1.72%
NIB

SAM
373
362
332
267
21
27
28
10
99
22
29
40
242
863
89
69
42
0
135
470
77
0
417
0
31
73
33
9
711
4,871
0.32%
SAM

SCB
2,938
2,745
4,070
2,086
228
440
315
40
935
111
355
277
1,861
7,147
828
426
253
2
1,022
2,100
506
79
0
30
316
813
262
520
5,632
36,337
2.36%
SCB

SIN
205
149
131
33
24
44
13
0
60
11
2
13
79
682
22
2
14
1
63
197
44
2
148
0
12
50
20
8
274
2,303
0.15%
SIN

SLK
1,165
1,570
1,384
752
106
125
147
37
444
30
53
120
685
3,226
248
189
141
4
456
1,434
242
28
1,417
20
0
389
134
556
2,608
17,710
1.15%
SLK

SON
6,749
4,570
8,049
4,304
403
277
729
75
1,733
165
184
336
1,930
21,154
1,437
475
302
33
1,791
8,676
753
115
5,638
560
287
0
724
5,416
17,856
94,721
6.15%
SON

SUM
3,145
2,548
3,190
2,553
191
105
378
56
593
101
118
204
1,244
9,636
982
418
216
16
960
3,967
482
54
2,609
43
196
812
0
1,057
5,567
41,441
2.69%
SUM

TAM
10
4
4
35
2
0
7
0
0
0
0
0
6
21
2
3
3
0
2
5
3
0
21
0
0
4
0
0
1
133
0.01%
TAM

UBL
13,817
9,647
11,077
5,672
558
359
1,143
422
4,317
247
315
455
3,378
39,155
2,149
704
499
36
3,312
16,119
1,298
136
9,029
513
360
2,404
1,010
9,297
0
137,428
8.92%
UBL

TOTAL
104,936
93,196
113,340
60,906
7,376
4,520
12,615
3,162
35,441
2,951
4,102
6,308
37,047
331,594
25,721
8,732
5,781
371
31,969
150,147
14,049
1,590
92,785
3,483
5,103
25,303
19,681
83,548
254,959
1,540,716

% ISS
6.81%
6.05%
7.36%
3.95%
0.48%
0.29%
0.82%
0.21%
2.30%
0.19%
0.27%
0.41%
2.40%
21.52%
1.67%
0.57%
0.38%
0.02%
2.07%
9.75%
0.91%
0.10%
6.02%
0.23%
0.33%
1.64%
1.28%
5.42%
16.55%

350,000

300,000

Number of Transactions

250,000

200,000
Acquiring

150,000

Issuing

100,000

50,000

0
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

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

HMB
JSB
KAS
KSF
MBL
NBP
NIB

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

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

*Banks are as Issuer only

Note: These are only Balance Inquires and Processed OK transactions.

Confidential
1LINK (Guarantee) Limited

February 2013
Page 24 of 28

MIS Department

5.2.

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

5.2.2. MNET on 1LINK

Acquirer Banks
FWB
HSB
MCB
6
14,834
7
39
10,154
2
12,978
5
6,405
525
1
458
1,118
453
2
5,714
265
1
344
1
525
3
3,408
13
53,497
1
2,311
757
572
37
1
2,962
23
16,121
1,346
147
3
10,356
171
458
2,848
3
661
13,381
9
39,961
80
40
202,767
0.04%
0.02%
99.94%

Total
14,840
10,200
12,980
6,410
525
459
1,118
453
5,716
265
345
526
3,411
53,510
2,312
757
572
37
2,963
16,144
1,346
147
10,359
171
458
2,848
664
13,381
39,970
202,887

%ISS
7.31%
5.03%
6.40%
3.16%
0.26%
0.23%
0.55%
0.22%
2.82%
0.13%
0.17%
0.26%
1.68%
26.37%
1.14%
0.37%
0.28%
0.02%
1.46%
7.96%
0.66%
0.07%
5.11%
0.08%
0.23%
1.40%
0.33%
6.60%
19.70%

FWB

Acquirer Banks

Issuer Banks

5.2.1. 1LINK on MNET

151
37
57
54
6
0
8
4
12
5
0
2
40
67
8
5
8
0
39
74
10
1
19
6
6
35
37
0
51

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
% ISS

Issuer Banks
MCB

HSBC
179
67
165
165
4
4
46
9
21
7
1
9
147
127
25
67
0
0
0
17
26
28
232
2
38
92
35
0
170

17,318
4,819
9,645
12,115
449
185
2,013
433
2,262
554
260
680
5,510
16,477
1,901
2,108
1,200
68
8,062
2,245
2,142
371
2,771
172
1,247
6,675
3,698
13
13,264

SME

Total

%ACQ

26
17
12
8
0
0
2
0
3
2
0
0
21
14
1
1
1
0
9
1
3
1
1
0
7
4
4
0
12

17,674
4,940
9,879
12,342
459
189
2,069
446
2,298
568
261
691
5,718
16,685
1,935
2,181
1,209
68
8,110
2,337
2,181
401
3,023
180
1,298
6,806
3,774
13
13,497

14.58%
4.07%
8.15%
10.18%
0.38%
0.16%
1.71%
0.37%
1.90%
0.47%
0.22%
0.57%
4.72%
13.76%
1.60%
1.80%
1.00%
0.06%
6.69%
1.93%
1.80%
0.33%
2.49%
0.15%
1.07%
5.61%
3.11%
0.01%
11.13%

742
1,683 118,657
150
121,232
0.61% 1.39% 97.88% 0.12%

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

February 2013
Page 25 of 28

MIS Department

6.0. MARKET OVERVIEW

6.1. 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
3%
IBFT
5%

Switch Withdrawal
67%

Confidential
1LINK (Guarantee) Limited

February 2013
Page 26 of 28

MIS Department

6.2. 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
231,023
229,355
229,018
227,595
224,655
216,674
196,375
182,018
107,271
81,095

100,000

Average

Confidential
1LINK (Guarantee) Limited

February 2013
Page 27 of 28

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 28 of 28