LEVEL:CONFIDENTIAL

1LINK MONTHLY STATISTICS

JANUARY 2013

Confidential & Unpublished Document

For official and 1LINK authorized institution use Only

All Rights Reserved - Copyrights 2008-12

1LINK (Guarantee) Limited

Table of Contents
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.
1.0.2.
1.0.

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

MNET on 1LINK .................................................................................................................................................................................................................................................. 6
Switch Withdrawals Transactions Limit Analysis .................................................................................................................................................................................................... 7

1.0.1.
1.0.2.
1.0.3.
1.1.

1LINK on 1LINK .................................................................................................................................................................................................................................................. 7

1LINK on MNET .................................................................................................................................................................................................................................................. 8
MNET on 1LINK .................................................................................................................................................................................................................................................. 9
Top 10Statistics .......................................................................................................................................................................................................................................................... 10

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

1.4.2. Top 10 Acquirer 1LINK on 1LINK.................................................................................................................................................................................................................................. 10
1.4.3 Top 10 Acquirer MNET on 1LINK .................................................................................................................................................................................................................................. 11
1.4.4 Top 10 Local ATM - Withdrawal Transaction ................................................................................................................................................................................................................. 12
1.4.5 Top 10 Local ATM - Withdrawal Amount ..................................................................................................................................................................................................................... 12
1.2.

Inter Bank Funds Transfer (IBFT) .................................................................................................................................................................................................................................. 13

1.3.
1.3.1.
1.3.2.
1.3.3.
1.3.4.
2.1.5.

Summary ..................................................................................................................................................................................................................................................................... 13
Number of Transactions .................................................................................................................................................................................................................................... 13
Transaction Amount .......................................................................................................................................................................................................................................... 15
IBFT via Internet................................................................................................................................................................................................................................................ 16
IBFT via Call Center .......................................................................................................................................................................................................................................... 17
IBFT via Mobile ................................................................................................................................................................................................................................................. 18

2.1.

IBFT Limit Analysis .................................................................................................................................................................................................................................................... 19

2.2.

IBFT Payments ........................................................................................................................................................................................................................................................... 20

2.3.1.

Credit Card Bill Payments ................................................................................................................................................................................................................................. 20

3.0. VISA Transactions ..................................................................................................................................................................................................................................................................... 21

3.1.
3.1.1.

Visa Local Transactions on POS .............................................................................................................................................................................................................................. 21

20 Merchant Category (Local Transactions) ..................................................................................................................................................................................................... 23

3.2. *Visa International- Bank Wise Transactions ................................................................................................................................................................................................................... 24

3.2.1.
3.2.2.

Top 20 International Countries .......................................................................................................................................................................................................................... 25

Top 20 Merchant Wise (International Transactions) ......................................................................................................................................................................................... 26

3.3. VISA SMS Acquiring Service ............................................................................................................................................................................................................................................. 27

3.3.1 Top Issuers .................................................................................................................................................................................................................................................................... 27
4.0. Utility Bill Payment Service (UBPS) ........................................................................................................................................................................................................................................ 28
4.1. UBPS Banks Position .......................................................................................................................................................................................................................................................... 28
4.2. UBPS Transactions ............................................................................................................................................................................................................................................................. 29
4.2.1. UBPS via ATM .............................................................................................................................................................................................................................................................. 30
4.2.2. UBPS via Call Center .................................................................................................................................................................................................................................................... 31
4.2.3. UBPS via IVR ............................................................................................................................................................................................................................................................... 31
4.2.4. UBPS via Mobile .......................................................................................................................................................................................................................................................... 32
4.2.5. UBPS via Web .............................................................................................................................................................................................................................................................. 33
5.0. Non Financial Shared ATM Transactions ............................................................................................................................................................................................................................... 34
5.1.

Intra Switch Transactions ......................................................................................................................................................................................................................................... 34

5.2.

Inter Switch Transactions ......................................................................................................................................................................................................................................... 35

5.2.1.
5.2.2

1LINK on MNET ................................................................................................................................................................................................................................................ 35

1LINK on MNET ..................................................................................................................................................................................................................................................... 36

6.0 Index ............................................................................................................................................................................................................................................................................................ 37

6.1. Legends ................................................................................................................................................................................................................................................................................ 37
7.0. Market overview ........................................................................................................................................................................................................................................................................ 38
7.1. 1LINK Products & Non-Financial Transactions ................................................................................................................................................................................................................ 38
7.2. 1LINK Trend Analysis ............................................................................................................................................................................................................................................................... 39

Confidential
1LINK (Guarantee) Limited

January 2013
Page 2 of 40

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
30
4
Number of Transactions
4,853,799
531,413
633,322
461,176
284,329
33,500
13,302
700
427,633
7,239,174

Non Financial Transactions

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

1,612,824
214,923
132,989
1,960,736

Grand Total

9,199,910

Number of ATMs
5,241
700+
Amount (PKR)
38,628,292,300
4,123,892,000
4,727,817,000
24,009,957,964
996,009,995
385,643,302
160,560,500
2,658,719
534,931,031
73,569,762,811

73,569,762,811

The average dollar rate for VISA International is Rs. 98.81

Confidential
1LINK (Guarantee) Limited

January 2013
Page 3 of 40

MIS Department

1.0. FINANCIAL SHARED ATM TRANSACTIONS

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
SUM
TAM
UBL
Total
% ACQ

Intra Switch Transactions

ABL
ASK
BAF
BAH
0
16,086
38,801
46,383
38,939
0
25,437
21,724
51,212
13,453
0
36,217
36,307
8,511
21,568
0
4,325
1,245
3,074
3,185
2,671
1,697
1,758
2,830
6,606
1,817
5,242
6,316
2,846
404
1,309
810
21,998
5,060
13,852
10,582
1,363
361
832
1,558
7,207
2,955
4,943
6,322
5,135
1,960
3,413
4,508
22,285
6,233
15,124
18,831
147,237 35,895
80,106 138,880
14,348
3,012
9,402
30,550
6,323
1,496
3,662
6,123
3,801
1,292
2,243
3,900
366
53
200
202
27,188
6,205
17,772
26,433
56,635
24,120
30,332
45,977
13,066
3,118
8,214
12,244
1,029
302
671
1,322
54,299
18,173
36,037
46,257
630
135
245
916
4,462
1,430
2,847
4,151
13,883
3,754
8,978
14,535
9,654
2,108
6,606
9,043
4,116
306
3,668
3,492
113,702 24,124
64,142
84,964
671,633 185,305 410,478 588,255
13.84%
3.82%
8.46% 12.12%
ABL
ASK
BAF
BAH

BAL
2,631
1,445
2,122
1,970
0
200
280
158
518
112
440
224
1,206
4,719
726
337
306
5
1,266
1,556
597
62
2,941
13
247
642
724
0
3,749
29,196
0.60%
BAL

BAR
BIP
411
9,136
686
6,078
437
6,923
391
7,107
33
904
0
34
42
0
8
309
34
1,706
23
381
565
852
150
1,284
348
4,206
696
17,913
145
3,772
88
1,243
128
740
3
43
176
5,767
269
5,983
123
1,948
86
9
4,324
9,576
2
152
61
842
120
2,712
77
1,721
6
294
702
14,686
10,134 106,321
0.21%
2.19%
BAR
BIP

BOK
1,940
977
1,050
497
105
41
217
0
225
24
257
125
562
2,785
176
96
63
6
710
1,230
277
16
1,177
4
62
208
255
15
1,982
15,082
0.31%
BOK

BOP
8,967
5,415
6,550
3,928
478
396
595
132
0
193
954
734
3,226
18,850
1,496
921
480
62
3,386
5,872
1,854
137
7,499
71
750
1,785
1,234
378
17,659
94,002
1.94%
BOP

BUR
2,461
1,646
2,747
2,497
390
299
491
57
788
0
528
628
1,650
5,390
1,311
643
447
15
2,039
1,509
910
128
3,928
36
369
873
588
54
4,432
36,854
0.76%
BUR

CIT
399
231
253
383
32
43
77
3
41
15
0
77
282
848
267
81
45
1
160
304
143
27
1,777
4
52
112
125
8
615
6,405
0.13%
CIT

Acquirer Banks
DUB
FSB
HBL
HMB
3,174
23,172
58,949
130
2,820
15,951
37,005
3,171
3,052
21,359
39,097
3,676
3,179
16,560
41,052
10,604
380
1,582
2,886
575
351
1,944
2,083
590
703
2,635
6,062
949
60
565
1,248
139
800
7,497
17,197
1,205
178
733
1,078
446
733
4,591
5,834
1,164
0
2,891
3,950
949
1,918
272
15,771
3,055
6,367
47,296
0
14,825
1,389
7,843
14,732
0
489
4,309
4,825
990
308
2,216
2,860
674
19
137
198
26
2,043
12,407
19,168
4,210
2,285
15,291
60,234
3,398
911
5,551
9,038
1,885
116
728
968
265
5,109
27,515
42,863
8,747
56
234
677
82
438
2,728
3,740
892
1,025
6,754
14,078
2,651
603
4,014
6,546
1,509
49
861
3,659
148
4,826
36,594 101,042
8,763
43,381 274,230 516,840 75,718
0.89%
5.65% 10.65%
1.56%
DUB
FSB
HBL
HMB

JSB
6,572
3,718
4,919
4,016
493
363
763
67
1,681
135
823
625
2,363
12,239
1,344
0
469
39
2,881
5,016
1,421
154
6,136
221
510
1,891
1,328
358
9,122
69,667
1.44%
JSB

KAS
5,387
3,269
3,701
3,696
245
11
625
106
1,454
171
546
579
2,379
11,455
1,464
825
0
24
3,271
3,576
1,456
0
5,275
49
601
1,595
1,168
335
7,713
60,976
1.26%
KAS

KSF
MBL
NBP
212
22,283
11,405
113
13,117
17,536
190
15,322
7,102
221
19,302
6,314
12
3,067
564
9
1,315
366
19
4,052
1,472
6
1,058
327
95
5,568
3,248
0
900
193
54
4,050
839
13
2,599
758
101
11,149
2,586
464
45,975
29,506
97
8,962
1,689
7
2,825
866
30
1,598
485
0
106
50
137
0
2,933
121
18,787
0
70
5,951
1,663
7
548
142
167
25,459
7,038
1
243
152
22
2,036
649
41
6,603
2,531
38
3,957
1,245
10
982
406
349
36,749
21,908
2,606
264,563 123,973
0.05%
5.45%
2.55%
KSF
MBL
NBP

NIB
8,528
5,336
6,956
5,590
658
769
999
159
2,464
307
1,317
851
3,769
17,570
2,382
965
876
58
4,703
6,211
0
236
9,033
131
742
2,217
1,405
256
12,042
96,530
1.99%
NIB

SAM
SCB
1,752
13,854
1,257
11,293
1,652
14,598
1,782
12,245
152
1,283
265
2,253
207
1,652
27
224
550
3,837
116
452
520
6,286
398
2,422
1,274
9,635
3,531
29,346
799
6,138
333
2,572
280
1,420
4
31
945
7,855
935
6,531
567
4,210
0
757
3,076
0
0
162
312
2,446
512
4,131
419
2,735
25
214
3,004
21,598
24,694 170,180
0.51%
3.51%
SAM
SCB

SIN
515
347
494
161
73
193
64
4
142
0
71
123
209
1,190
109
7
50
0
156
326
280
9
656
0
88
129
159
3
682
6,240
0.13%
SIN

SLK
SON
SUM
4,863
25,213
13,197
5,064
14,816
8,489
5,015
20,974
9,519
3,167
21,322
11,478
597
1,654
1,073
788
1,705
894
687
3,180
1,812
132
418
241
1,546
6,575
2,513
247
711
490
1,337
2,989
2,302
896
2,062
1,697
2,820
9,591
5,744
10,657
51,069
26,632
1,718
8,816
4,844
915
3,016
1,996
808
1,701
1,226
31
163
45
2,595
11,795
6,409
3,432
22,479
9,418
1,374
5,918
3,500
227
643
447
7,347
23,790
15,913
82
578
329
0
2,130
1,344
1,644
0
3,852
1,094
3,825
0
88
1,895
337
7,989
38,316
19,988
67,160 287,344 155,729
1.38%
5.92%
3.21%
SLK
SON
SUM

TAM
UBL
TOTAL
14
51,479
377,914
24
27,001
272,905
22
37,105
315,717
77
27,680
271,605
1
2,753
31,819
14
2,042
25,924
7
5,083
52,654
0
1,791
12,608
0
14,894
126,070
0
1,069
12,088
0
5,505
63,984
3
3,459
42,513
27
15,281
161,897
57
109,998
871,496
9
11,649
139,189
3
4,447
50,403
2
2,726
31,174
0
219
2,106
19
19,679
192,308
6
42,468
374,301
2
8,885
95,176
3
833
9,872
128
38,950
413,190
0
671
5,876
4
3,252
37,207
20
10,888
108,164
3
6,141
68,324
0
3,910
25,873
0
0
661,442
445
459,858 4,853,799
0.01%
9.47%
TAM
UBL

% ISS
7.79%
5.62%
6.50%
5.60%
0.66%
0.53%
1.08%
0.26%
2.60%
0.25%
1.32%
0.88%
3.34%
17.95%
2.87%
1.04%
0.64%
0.04%
3.96%
7.71%
1.96%
0.20%
8.51%
0.12%
0.77%
2.23%
1.41%
0.53%
13.63%

900,000
800,000

700,000

Transactions

600,000
500,000
400,000

Issuing
Acuiring

300,000
200,000
100,000
0

Banks

Note: These are only Withdrawal plus Processed OK transactions

Confidential
1LINK (Guarantee) Limited

January 2013
Page 4 of 40

MIS Department

1.2.

Inter Switch Transactions

Acquirer Banks
FWB
HSB
MCB
Total
%ISS
ABL
22
49,152
49,174
9.25%
ASK
13
219
24,969
25,201
4.74%
BAF
8
1
29,506
29,515
5.55%
BAH
24
27,015
27,039
5.09%
BAL
1
2,665
2,666
0.50%
BAR
1
2,338
2,339
0.44%
BIP
4,018
4,018
0.76%
BOK
1,329
1,329
0.25%
BOP
16,371
16,371
3.08%
BUR
3
981
984
0.19%
CIT
4
49
5,100
5,153
0.97%
DUB
3
3,184
3,187
0.60%
FSB
5
14,533
14,538
2.74%
HBL
34
107,767 107,801 20.29%
HMB
8
21
11,263
11,292
2.12%
JSB
4,323
4,323
0.81%
KAS
1
2,508
2,509
0.47%
KSF
172
172
0.03%
MBL
3
18,052
18,055
3.40%
NBP
33
45
35,247
35,325
6.65%
NIB
4
8,795
8,799
1.66%
SAM
1
838
839
0.16%
SCB
33
42,228
42,261
7.95%
SIN
699
699
0.13%
SLK
3
2,773
2,776
0.52%
SUM
2
9,502
9,504
1.79%
SUM2
1
6,975
6,976
1.31%
TAM
3,535
3,535
0.67%
UBL
55
94,978
95,033 17.88%
Total
259
338
530,816 531,413
% ACQ 0.05% 0.06%
99.89%

MNET Acquiring
600000
500000

Transactions

Issuer Banks

1.2.1. 1LINK on MNET

400000
300000

100000
0
FWB

HSB

MCB

Banks

Confidential
1LINK (Guarantee) Limited

Number of Transactions

200000

January 2013
Page 5 of 40

MIS Department

1.0.2. MNET on 1LINK

Acquirer Banks

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
SME

HSBC
374
1,798
90
1,048
175
1,347
233
1,244
10
92
10
174
34
222
11
11
65
193
28
79
0
52
36
76
135
1,261
254
1,102
27
263
13
220
39
0
1
1
122
0
110
223
46
256
8
187
75
2,185
7
19
41
335
118
837
82
473
0
0
186
1,216
2,330 14,914
0.37% 2.35%
FWB

Total

90,221
105
92,498
20,727
44
21,909
49,820
84
51,426
72,078
48
73,603
3,222
0
3,324
964
0
1,148
11,377
13
11,646
1,897
3
1,922
11,566
23
11,847
3,678
3
3,788
1,762
1
1,815
4,293
4
4,409
30,675
57
32,128
76,596
88
78,040
10,651
14
10,955
8,450
12
8,695
6,586
3
6,628
378
0
380
33,027
57
33,206
9,428
12
9,773
10,543
20
10,865
2,735
2
2,932
19,994
31
22,285
629
0
655
7,921
13
8,310
38,920
28
39,903
19,977
17
20,549
41
0
41
67,190
50
68,642
615,346
732 633,322
97.16% 0.12%

%ACQ
14.61%
3.46%
8.12%
11.62%
0.52%
0.18%
1.84%
0.30%
1.87%
0.60%
0.29%
0.70%
5.07%
12.32%
1.73%
1.37%
1.05%
0.06%
5.24%
1.54%
1.72%
0.46%
3.52%
0.10%
1.31%
6.30%
3.24%
0.01%
10.84%

MNET Issuing
700,000
600,000
500,000
400,000
300,000

# of Transactions

200,000
100,000

0
FWB

HSB

MCB

SME

Note: These are only Withdrawal plus Processed OK transactions

Confidential
1LINK (Guarantee) Limited

January 2013
Page 6 of 40

MIS Department

1.0.

Switch Withdrawals Transactions Limit Analysis

1.0.1. 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
54.31%
7,177,067,900
21.79%
9,856,014,000
22.41% 19,791,873,400
1.49%
1,803,337,000
4,853,799
38,628,292,300

2,636,095
1,057,429
1,087,945
72,330

%
18.58%
25.52%
51.24%
4.67%

1LINK on 1LINK No. of Transactions

> Rs.20,000

Rs.10,000 to
Rs.20,000

< Rs. 5,000

Rs.5,000 to
Rs.10,000

1LINK on 1LINK Volume

> Rs.20,000

< Rs. 5,000

Rs.10,000 to
Rs.20,000

Rs.5,000 to
Rs.10,000

Confidential
1LINK (Guarantee) Limited

January 2013
Page 7 of 40

MIS Department

1.0.2. 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
55.59%
769,631,500
18.49%
877,647,500
25.91%
2,476,018,000
0.00%
595,000
531,413
4,123,892,000

295,407
98,283
137,700
23

1LINK on MNET No. of Transactions

> Rs.20,000

Rs.10,000 to
Rs.20,000
< Rs. 5,000

Rs.5,000 to
Rs.10,000

1LINK on MNET Volume

> Rs.20,000

< Rs. 5,000

Rs.10,000 to
Rs.20,000

Rs.5,000 to
Rs.10,000

Confidential
1LINK (Guarantee) Limited

Page 8 of 40

%
18.66%
21.28%
60.04%
0.01%

1.0.3. 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

Transactions

354,306
160,613
107,467
10,936
633,322

%
Amount in PKR
55.94%
985,902,000
25.36%
1,523,485,000
16.97%
1,946,803,500
1.73%
271,626,500
4,727,817,000

MNET on 1LINK No. of Transactions

> Rs.20,000

Rs.10,000 to
Rs.20,000

Rs.5,000 to
Rs.10,000

< Rs. 5,000

MNET on 1LINK Volume

> Rs.20,000

< Rs. 5,000

Rs.10,000 to
Rs.20,000
Rs.5,000 to
Rs.10,000

Confidential
1LINK (Guarantee) Limited

Page 9 of 40

%
20.85%
32.22%
41.18%
5.75%

1.1.

Top 10Statistics

1.4.1Top 10 Issuer 1LINK on 1LINK

Member Bank

Number Of Transactions

HBL
UBL
SCB
ABL
NBP
BAF
ASK
BAH
MBL
FSB

871,496
661,442
413,190
377,914
374,301
315,717
272,905
271,605
192,308
161,897

1.4.2. Top 10 Acquirer 1LINK on 1LINK

Member Bank

Number Of Transactions

ABL
BAH
HBL
UBL
BAF
SON
FSB
MBL
ASK
SCB

671,633
588,255
516,840
459,858
410,478
287,344
274,230
264,563
185,305
170,180

700,000
600,000

Transactions

500,000
400,000
300,000
Number of Transaction
200,000
100,000
0

ABL BAH HBL UBL BAF SON FSB MBL ASK SCB
Banks

Confidential
1LINK (Guarantee) Limited

Page 10 of 40

1.4.3 Top 10 Acquirer MNET on 1LINK

Member Bank

Number Of Transactions

ABL
HBL
BAH
UBL
BAF
SON
MBL
FSB
SCB
ASK

92,498
78,040
73,603
68,642
51,426
39,903
33,206
32,128
22,285
21,909

100,000

Transactions

80,000
60,000

40,000
No. of Transaction
20,000

0
ABL HBL BAH UBL BAF SON MBL FSB SCB ASK
Banks

Confidential
1LINK (Guarantee) Limited

Page 11 of 40

1.4.4 Top 10 Local ATM - Withdrawal Transaction

Member Bank
HBL - ATM
BAF - ATM
HBL - ATM
BOP - ATM
ABL - ATM
BAH - ATM
FSB - ATM
BAH - ATM
ABL - ATM
MBL - ATM

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

Number Of Transaction
8,967
8,179
7,935
6,675
6,287
6,254
6,083
6,008
5,769
5,647

1.4.5 Top 10 Local ATM - Withdrawal Amount

Member Bank
HBL - ATM
BAF - ATM
BOP - ATM
BAH - ATM
UBL - ATM
FSB - ATM
BAH - ATM
UBL - ATM
BAH - ATM
SLK - ATM

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

Number Of Transaction
67,429,000
65,160,500
58,182,000
49,662,000
48,096,000
47,838,500
46,519,500
45,210,000
44,586,000
43,364,000

Confidential
1LINK (Guarantee) Limited

Page 12 of 40

1.2.

INTER BANK FUNDS TRANSFER (IBFT)

1.3.

Summary

ATM
315,744

Transactions
Volume

Mobile Call Center

10,969
2,628

Internet
131,835

Total
461,176

41,776,888,143 561,750,514 127,482,026 65,097,613,567 24,009,957,964

Receiving Banks

1.3.1. 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
1,138
7,026
4,407
0
454
303
43
38
214
2,616
10,872
252
307
245
484
0
5,738
1
280
977
251
71
4,153
39,870
8.65%

ASK
8,458
0
10,069
6,703
0
547
350
58
81
228
4,222
13,131
375
862
0
619
0
7,416
0
331
935
369
305
6,103
61,162
13.26%

BAF
5,940
1,196
0
3,892
22
384
274
36
26
202
3,406
7,874
239
241
121
566
3
5,981
3
267
942
238
74
2,740
34,667
7.52%

BAH
8,087
1,386
8,883
0
9
442
260
96
71
142
4,227
14,590
362
477
534
886
2
6,868
7
401
1,797
551
1,434
5,130
56,642
12.28%

BAL
30
10
34
35
0
4
3
0
0
3
28
47
1
1
0
15
0
49
1
2
8
2
0
8
281
0.06%

BIP
446
86
636
459
0
0
21
6
5
9
205
958
14
18
49
66
0
469
0
28
97
13
65
296
3,946
0.86%

BOP
568
105
543
228
0
12
0
6
12
37
244
913
28
19
44
56
0
446
3
45
93
31
4
349
3,786
0.82%

BUR
27
2
122
50
0
8
2
0
3
0
47
127
9
5
20
8
0
99
0
8
22
0
0
22
581
0.13%

CIT
273
136
321
347
0
96
10
9
0
37
322
676
19
35
0
67
0
2,187
1
52
69
38
6
429
5,130
1.11%

Sending Banks
DUB
FSB
255
3,885
74
714
275
5,941
217
4,068
0
24
45
269
13
208
13
52
14
51
0
188
185
0
395
4,990
19
235
23
273
17
407
51
674
0
0
651
5,134
3
11
36
366
83
578
46
337
0
76
102
1,871
2,517
30,352
0.55%
6.58%

HBL
6,395
1,766
6,154
4,962
35
653
310
63
22
147
2,375
0
334
339
59
437
2
6,642
22
373
1,276
265
257
3,224
36,112
7.83%

JSB
827
204
1,259
824
1
64
37
11
5
50
612
1,293
0
59
63
69
10
1,236
9
104
182
93
43
787
7,842
1.70%

KAS
382
92
528
490
5
20
19
3
3
17
280
654
22
0
31
50
1
496
0
25
70
42
6
348
3,584
0.78%

MBL
5
7
3
25
2
10
8
0
0
4
22
57
5
5
4
10
0
28
1
7
12
4
0
3
222
0.05%

NIB
933
217
1,386
1,270
0
68
40
24
18
23
735
1,765
108
104
0
0
0
1,686
10
109
272
74
5
664
9,511
2.06%

SAM
2
0
5
10
0
0
1
2
0
3
8
3
9
0
5
0
0
22
0
0
4
0
0
3
77
0.02%

SCB
9,754
3,401
12,018
9,679
0
1,041
615
125
69
140
7,579
16,945
1,054
991
185
1,911
0
0
0
1,160
2,800
1,532
789
6,391
78,179
16.95%

SIN
27
1
5
12
0
3
0
0
0
1
4
16
5
1
1
7
0
15
0
2
2
4
0
11
117
0.03%

SLK
536
146
658
475
0
43
42
17
34
61
399
1,319
51
27
35
91
0
1,014
4
3
155
39
0
334
5,483
1.19%

SON
3,026
540
3,912
3,304
3
170
165
31
20
73
1,716
4,460
153
175
161
246
0
2,280
33
205
0
125
304
2,159
23,261
5.04%

SUM
1,682
418
1,882
2,441
10
218
135
29
10
48
872
2,040
208
130
29
220
2
2,215
19
198
406
0
184
1,922
15,318
3.32%

TAM
264
23
144
150
0
19
0
0
0
1
50
200
4
1
12
1
0
28
1
0
91
7
0
294
1,290
0.28%

UBL
9,555
729
3,013
2,675
8
351
132
36
311
180
1,685
14,851
336
249
57
288
0
5,835
3
222
531
172
27
0
41,246
8.94%

Total
61,357
12,391
64,817
46,723
119
4,921
2,948
660
793
1,808
31,839
98,176
3,842
4,342
2,079
6,822
20
56,535
132
4,224
11,402
4,233
3,650
37,343
461,176

IBFT No. of Transaction

100,000
90,000
80,000

Transactions

70,000
60,000
50,000
Sending
40,000

Receiving

30,000
20,000
10,000
0
ABL ASK BAF BAH BAL BIP BOP BUR CIT DUB FSB HBL JSB KAS MBL NIB SAM SCB SIN SLK SON SUM TAM UBL
Banks

Confidential
1LINK (Guarantee) Limited

Page 13 of 40

REC %
13.30%
2.69%
14.05%
10.13%
0.03%
1.07%
0.64%
0.14%
0.17%
0.39%
6.90%
21.29%
0.83%
0.94%
0.45%
1.48%
0.00%
12.26%
0.03%
0.92%
2.47%
0.92%
0.79%
8.10%

IBFT Volume
4,500,000,000
4,000,000,000
3,500,000,000

Volume

3,000,000,000

2,500,000,000
Sending

2,000,000,000

Receiving
1,500,000,000
1,000,000,000
500,000,000
0
ABL ASK BAF BAH BAL

BIP

BOP BUR

CIT DUB FSB

HBL

JSB

KAS MBL NIB SAM SCB

SIN

SLK SON SUM TAM UBL

Banks

Confidential
1LINK (Guarantee) Limited

Page 14 of 40

Receiving Banks

1.3.2. Transaction Amount

ABL
0
92,516,372
601,036,350
322,167,835
0
30,868,172
20,018,653
2,478,623
1,397,440
13,427,436
186,547,104
636,436,571
16,510,583
19,215,621
13,925,370
36,772,038
0
406,241,580
110,000
18,183,741
66,593,879
16,959,131
9,884,150
375,183,056
2,886,473,705
12.02%

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 %

ASK
483,995,322
0
660,925,016
360,687,358
0
22,287,142
19,542,929
3,738,040
3,261,886
12,370,587
218,692,517
530,498,631
18,733,986
53,350,236
0
28,039,756
0
378,650,749
0
22,295,925
47,289,964
15,141,831
18,665,430
414,873,361
3,313,040,666
13.80%

BAF
409,669,520
96,722,396
0
263,994,951
2,831,940
24,989,263
22,500,044
2,232,800
1,795,311
13,438,902
210,918,956
429,516,609
16,942,952
16,159,021
5,556,781
39,485,172
297,320
404,664,901
210,000
15,768,880
56,155,910
23,289,596
9,076,700
206,139,420
2,272,357,345
9.46%

BAH
361,753,163
62,501,374
409,544,630
0
375,535
16,979,798
11,912,426
3,838,053
2,469,680
6,455,125
184,613,249
550,254,271
16,170,771
23,128,411
18,272,600
42,450,166
101,400
268,486,702
86,600
17,732,695
80,403,881
27,669,626
98,435,400
244,374,036
2,448,009,592
10.20%

BAL
BIP
BOP
1,949,395
17,893,468
43,965,088
726,000
3,035,673
7,955,330
1,350,498
25,949,824
49,530,239
1,204,661
19,137,290
17,915,460
0
0
0
455,000
0
301,225
600,000
641,054
0
0
170,500
149,226
0
41,000
1,761,570
13,400
302,300
4,286,770
1,213,600
9,204,540
17,708,765
1,608,202
27,898,654
44,811,289
250,000
414,321
2,289,200
22,000
757,950
758,000
0
2,234,300
2,535,570
802,500
2,159,953
7,789,970
0
0
0
2,728,641
17,985,995
38,653,768
2,000
0
23,000
15,015
1,217,948
2,787,151
368,100
3,606,549
7,001,070
10,900
911,000
3,843,091
0
4,145,400
800,000
167,400
12,294,174
31,687,540
13,487,312
150,001,893
286,553,322
0.06%
0.62%
1.19%

BUR
CIT
1,748,160
11,961,299
91,000
8,347,798
10,330,475
15,425,514
2,920,160
12,524,409
0
0
396,650
6,036,448
107,000
630,550
0
376,049
10,051
0
0
2,629,855
1,997,641
13,911,689
5,658,993
29,989,004
392,500
539,897
203,240
919,933
929,850
0
126,750
2,730,297
0
0
4,004,410
122,825,166
0
5,000
79,766
1,770,845
811,620
3,728,372
0
1,116,867
0
284,000
1,048,210
19,687,942
30,856,476
255,440,934
0.13%
1.06%

Sending Banks
DUB
9,478,344
2,623,700
11,279,565
9,075,728
0
1,535,800
379,000
729,843
505,850
0
6,497,815
15,557,257
368,150
1,161,499
778,120
2,297,711
0
21,074,977
18,500
1,078,458
2,650,763
2,756,155
0
4,236,289
94,083,524
0.39%

FSB
217,938,102
40,874,165
344,410,554
224,631,017
1,201,850
11,112,274
12,758,860
2,736,539
2,113,792
9,474,455
0
235,525,279
12,122,445
15,914,462
20,421,559
35,939,651
0
267,516,571
714,500
19,665,049
29,445,196
22,406,391
3,625,950
98,473,701
1,629,022,362
6.78%

HBL
JSB
KAS
201,532,205
39,786,979
41,134,586
53,133,220
9,036,272
10,976,392
227,292,332
67,662,449
46,894,263
161,286,565
36,091,618
39,914,844
1,427,753
15,000
136,970
21,237,784
2,393,455
1,417,800
9,119,688
1,391,538
2,019,000
2,085,463
346,131
264,000
393,528
131,550
198,000
6,085,918
2,077,265
1,220,476
81,747,420
29,195,351
20,329,455
0
56,156,130
49,181,216
12,934,710
0
1,788,450
14,903,806
2,204,385
0
1,675,860
2,449,808
2,015,160
15,122,225
2,812,917
3,806,900
51,400
568,000
140,000
233,299,820
56,792,394
34,881,453
785,000
509,300
0
13,544,123
5,755,776
2,059,494
38,611,431
8,658,032
3,313,952
8,813,897
4,962,852
5,087,850
19,968,702
3,064,400
466,000
110,719,192
47,790,843
37,812,508
1,235,772,042
379,852,445
305,058,769
5.15%
1.58%
1.27%

MBL
NIB
87,000
48,362,952
119,400
16,017,066
103,000
70,966,917
1,022,000
58,480,438
1,500
0
183,110
2,878,116
112,300
1,592,160
0
965,183
0
647,724
48,500
881,925
999,650
32,215,856
1,074,912
63,986,807
36,500
6,290,985
178,000
4,476,425
120,005
0
160,923
0
0
0
1,296,800
76,332,710
8,500
660,000
112,600
5,083,721
453,668
9,704,121
123,001
4,210,802
0
673,000
100,110
28,542,444
6,341,479 432,969,352
0.03%
1.80%

SAM
23,000
0
235,199
471,825
0
0
10,000
14,040
0
270,000
84,100
335,000
40,530
0
54,500
0
0
515,452
0
0
253,000
0
0
22,500
2,329,146
0.01%

SCB
535,850,167
192,350,619
789,579,878
468,871,307
0
44,588,270
43,886,745
5,457,098
2,161,004
6,379,426
391,498,442
748,139,629
59,828,681
59,615,976
6,997,603
110,710,204
0
0
0
75,736,502
139,889,590
113,191,137
54,150,991
383,643,556
4,232,526,825
17.63%

SIN
SLK
1,617,780
34,630,888
27,500
9,133,657
226,000
47,312,046
390,500
34,068,805
0
0
80,000
2,427,999
0
2,485,584
0
1,071,860
0
1,317,071
5,000
3,785,020
71,000
20,732,880
610,550
72,763,971
46,780
2,947,400
5,500
1,288,362
50,000
1,760,150
179,000
5,670,925
0
0
432,500
54,345,712
0
881,282
45,000
195,650
66,500
10,336,428
280,500
1,160,522
0
0
408,700
19,250,811
4,542,810 327,567,023
0.02%
1.36%

Volume of 1LINK Issuing Banks (Sending)

TAM

UBL

ABL

SUM
SON
SLK

SIN
ASK

SCB

BAF

NIB

SAM
MBL
KAS

BAH
JSB

HBL
FSB

BAL
BIP

DUB
CIT

BOP
BUR

Volume of 1LINK Acquiring Banks (Receiving)

TAM

UBL

ABL

SUM
SLK
SIN

SON

ASK

SCB

BAF
SAM

NIB

MBL
KAS

JSB
BAH
HBL
BAL
BIP

FSB

CIT

BOP
BUR

DUB

Confidential
1LINK (Guarantee) Limited

Page 15 of 40

SON
182,374,650
32,880,064
219,607,981
177,623,318
215,000
6,614,823
9,429,343
927,186
758,440
2,678,191
82,097,694
215,268,991
8,951,365
9,282,177
6,752,471
12,330,265
0
109,539,832
2,364,000
10,051,520
0
6,548,373
19,013,580
130,505,697
1,245,814,961
5.19%

SUM
TAM
95,492,384
42,366,346
23,825,610
4,462,410
108,314,928
32,243,001
119,980,412
28,613,217
186,359
0
10,818,567
1,015,000
7,542,479
0
1,589,898
0
114,500
0
6,660,010
5,430
42,335,929
5,968,479
86,470,178
25,831,075
9,645,411
337,500
6,448,856
1,000
833,665
1,422,300
10,442,817
100,000
120,000
0
110,093,278
1,176,600
1,038,360
117,000
8,697,700
0
15,751,499
11,771,500
0
2,090,800
15,759,079
0
121,831,567
45,888,677
803,993,486
203,410,335
3.35%
0.85%

UBL
288,353,117
31,254,114
135,306,735
116,528,898
279,200
20,825,626
4,327,449
919,853
5,127,761
6,841,019
74,125,809
472,352,053
15,932,108
12,453,385
2,772,666
12,287,048
0
210,903,046
42,000
8,537,216
21,007,939
9,149,618
1,125,500
0
1,450,452,160
6.04%

Total
3,071,963,915
698,610,132
3,875,527,394
2,477,602,616
6,671,107
229,442,322
171,006,802
30,090,385
24,206,158
99,337,010
1,632,707,941
4,299,925,272
203,515,225
242,448,245
91,558,338
372,217,188
1,278,120
2,822,443,057
7,575,042
230,414,775
557,872,964
269,723,940
259,138,282
2,334,681,734
24,009,957,964

REC %
12.79%
2.91%
16.14%
10.32%
0.03%
0.96%
0.71%
0.13%
0.10%
0.41%
6.80%
17.91%
0.85%
1.01%
0.38%
1.55%
0.01%
11.76%
0.03%
0.96%
2.32%
1.12%
1.08%
9.72%

1.3.3. IBFT via Internet

Receiving Banks

ABL
ABL
ASK
392
BAF
1,655
BAH
1,310
BAL
BIP
150
BOP
143
BUR
8
CIT
28
DUB
109
FSB
751
HBL
3,127
JSB
134
KAS
137
MBL
NIB
174
SAM
SCB
3,187
SIN
SLK
150
SON
329
SUM2
141
TAM
6
UBL
1,059
Total 12,990
SEN %
9.85%

Number of Transactions

Sending Banks
ASK
BAF BAH BUR
CIT
HBL
JSB
NIB
SCB
SLK
SON
SUM
UBL
Total
1,899
- 1,047
239 1,271
185
307 7,364
133
345
256
576 13,622
320
1
128
491
65
47 2,675
36
74
99
197 4,525
2,105
- 1,076
2
275 1,244
259
335 8,468
179
434
379
480 16,891
1,333
1
293
574
195
346 7,292
132
461
367
585 12,889
21
1
7
29
185
142
1
86
178
25
33
855
10
41
50
79 1,835
109
33
7
65
15
10
495
8
19
15
45 964
25
24
9
18
8
7
91
12
9
9
8 228
55
41
2
17
4
9
20
15
8
27 226
1
34
34
25
19
76 298
1,155
1 644
4
283
156
165
173 5,653
130
185
220
298 9,818
3,142
1 2,318
5
545
398
541 12,927
323
656
528 1,833 26,344
123
105
2
19
138
36
865
19
30
66
86 1,623
300
117
34
114
28
36
778
24
59
43
54 1,724
1 146
8
16
6
177
176
138
1
61
96
29
1,391
28
32
32
62 2,220
2
2
2
6
3,454
5 2,266
12 2,001 2,918
661
620
416
709
732 1,362 18,343
7
7
3
6
4
7
1
35
181
129
3
47
121
65
55
919
54
96
72 1,892
18
413
2
67
297
86
72 2,263
47
77
133 3,804
180
186
36
90
47
34 1,332
33
16
51 2,146
132
435
6
68
2
4
656
14
3
7 1,333
1,673
865
1
387
797
261
243 4,964
66
261
286
- 10,863
16,245
8 10,453 45
4,557 8,683 2,554
2,914 58,988 1,645 3,440 3,282 6,031 131,835
12.32% 0.01% 7.93% 0.03% 3.46% 6.59% 1.94%
2.21% 44.74% 1.25% 2.61% 2.49% 4.57%

1.3.3.2.

REC %
10.33%
3.43%
12.81%
9.78%
0.02%
1.39%
0.73%
0.17%
0.17%
0.23%
7.45%
19.98%
1.23%
1.31%
0.13%
1.68%
0.00%
13.91%
0.03%
1.44%
2.89%
1.63%
1.01%
8.24%

30,000
25,000
Transactions

1.3.3.1.

20,000
15,000
10,000

No. of Transactions

5,000
0

Banks

Volume

Confidential
1LINK (Guarantee) Limited

Page 16 of 40

Receiving Banks

ABL
ABL
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 %

31,470,088
125,611,225
78,604,220
7,274,126
6,568,537
210,030
1,099,940
6,427,878
42,890,496
172,885,462
7,181,983
8,126,653
11,807,254
200,846,452
7,476,221
17,085,029
8,519,024
229,150
89,835,464
824,149,232
12.66%

ASK
90,746,652
112,162,886
60,561,353
6,004,950
4,730,490
2,007,900
2,285,616
48,632,952
102,173,535
5,369,765
20,197,003
6,885,605
154,438,481
10,091,764
253,322
6,176,087
3,914,410
95,750,639
732,383,410
11.25%

BAF
6,000
1
33,000
300,011
339,012
0.01%

BAH
44,440,156
11,890,267
44,584,205
4,435,459
842,236
623,410
1,511,158
37,055
22,167,917
80,716,508
4,223,689
5,241,512
4,154,080
4,641,931
78,921,344
86,600
4,762,743
17,549,125
7,532,487
28,013,979
38,345,772
404,721,633
6.22%

BUR
1,000
72,000
25,000
25,000
10,001
74,801
189,900
100,000
114,250
40,000
309,910
6,350
34,800
18,000
1,021,012
0.02%

CIT
9,946,494
7,356,163
13,057,314
10,473,655
5,612,074
565,550
376,049
2,527,659
12,825,719
24,042,253
539,897
856,933
2,491,909
112,838,965
1,665,899
3,701,372
1,096,867
284,000
18,313,414
228,572,186
3.51%

Sending Banks
HBL
JSB
41,439,874 6,815,702
13,638,661 1,921,655
43,045,120 10,564,314
17,946,189 6,198,825
716,752 15,000
6,163,844 709,435
1,886,840 277,550
501,613 282,481
322,328 130,050
- 1,470,261
4,573,625 6,641,086
- 13,751,202
5,791,835 5,309,109 928,755
- 525,720
3,054,580 822,111
51,400 3,000
104,228,976 29,064,734
206,000 153,300
4,569,307 4,029,000
10,582,358 3,708,300
3,513,064 1,822,062
5,902,768 123,500
27,076,041 13,303,868
300,520,284 103,261,911
4.62% 1.59%

SendingVolume
NIB
SCB
SLK SON SUM UBL
17,189,475 394,712,090 8,429,745 17,325,915 8,994,813 16,323,338
3,093,693 146,008,079 1,206,260 3,156,313 4,725,313 6,044,372
18,290,398 572,771,215 12,998,074 18,741,426 16,653,583 14,055,674
14,140,280 361,428,943 6,983,755 24,354,630 12,504,468 16,805,750
- 145,259
1,511,616 38,321,957 920,759 1,265,395 1,447,551 1,893,352
347,680 35,975,848 450,877 940,222 656,966 1,135,490
187,083 4,481,866 546,860 137,414 134,542 221,000
228,408
- 594,100 429,840 59,500 424,894
- 817,520 376,447 - 2,348,324
7,280,989 297,261,330 4,772,258 7,131,432 9,073,210 7,351,301
22,277,042 588,011,382 10,816,911 26,144,424 23,710,205 55,281,007
2,993,935 52,126,383 930,150 2,168,639 3,053,251 3,247,763
1,541,500 50,678,800 1,206,127 2,624,209 2,482,149 2,032,323
- 111,065
- 79,016,954 1,967,000 683,624 1,342,332 2,019,866
- 120,000
30,910,745
- 19,136,607 32,656,470 28,412,626 41,593,162
387,000
- 881,282 623,000 50,000
3,327,697 63,329,709 - 2,426,479 2,892,803 1,974,237
2,166,267 117,002,137 1,796,350
- 2,647,111 3,350,815
1,502,535 101,285,493 1,026,600 654,653 - 1,666,102
574,000 41,626,197 - 1,508,500 300,000 90,500
9,374,698 289,742,027 2,602,742 13,277,339 11,600,861
137,325,041 3,233,780,410 78,083,977 156,626,371 131,117,608 177,859,270
2.11%
49.68% 1.20% 2.41% 2.01% 2.73%

Total
656,364,254
230,511,864
1,002,607,434
610,027,068
877,011
75,585,518
54,378,286
9,710,248
7,095,835
14,005,144
470,683,116
1,119,999,832
87,727,290
101,225,073
4,938,115
114,773,166
174,400
833,658,483
2,387,182
106,552,209
179,876,986
134,794,974
82,567,004
609,240,865
6,509,761,357

REC %
10.08%
3.54%
15.40%
9.37%
0.01%
1.16%
0.84%
0.15%
0.11%
0.22%
7.23%
17.20%
1.35%
1.55%
0.08%
1.76%
0.00%
12.81%
0.04%
1.64%
2.76%
2.07%
1.27%
9.36%

HBL
FSB

JSB KAS
ABL

ASK
BAF

BAH
BAL

BIP

DUB

BOP
BUR
CIT

RecevingVolume
TAM

SUM
SLK

SON

UBL

ABL

ASK

SIN
BAF

SCB

SAM

NIB

MBL

KAS

BAH
HBL

BAL

FSB
BUR

JSB
DUB

CIT

BIP

BOP

1.3.4. IBFT via Call Center

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

Number of Transactions

DUB
171
50
164
146
27
8
13
10
0
113
278
12
8
17
30
508
3
21
65
40
0
81
1,765
67.16%

FSB
4
0
3
4
1
0
0
0
1
0
10
0
1
1
1
5
0
1
3
0
0
3
38
1.45%

Sending Banks
NIB
53
26
62
76
3
1
0
1
4
30
87
7
3
0
0
73
0
2
14
7
1
50
500
19.03%

SON
40
8
43
37
4
1
1
0
5
27
75
1
1
1
4
23
0
1
0
9
14
30
325
12.37%

1.3.4.2.

Total
268
84
272
263
35
10
14
11
10
170
450
20
13
19
35
609
3
25
82
56
15
164
2,628

REC %
10.20%
3.20%
10.35%
10.01%
1.33%
0.38%
0.53%
0.42%
0.38%
6.47%
17.12%
0.76%
0.49%
0.72%
1.33%
23.17%
0.11%
0.95%
3.12%
2.13%
0.57%
6.24%

Receiving Banks

Receiving Banks

1.3.4.1.

Volume

DUB
ABL
5,187,519
ASK
1,693,300
BAF
6,393,425
BAH
5,222,408
BIP
890,300
BOP
209,000
BUR
729,843
CIT
408,550
DUB
0
FSB
3,666,729
HBL 10,583,638
JSB
275,500
KAS
344,000
MBL
778,120
NIB
1,515,661
SCB 15,338,596
SIN
18,500
SLK
580,938
SON
2,024,563
SUM 2,500,655
TAM
0
UBL
3,013,839
Total 61,375,084
SEN %
48.14%

FSB
26,470
0
23,700
24,000
10,000
0
0
0
20,000
0
173,650
0
1,500
100,000
10,000
19,600
0
500
6,500
0
0
169,050
584,970
0.46%

Sending Banks
NIB
SON
6,124,427 3,007,884
4,986,800
723,200
7,014,775 3,311,450
7,713,315 3,025,046
164,000
94,300
140,000
50,000
0
19,000
5,000
0
186,365
271,000
1,943,800 1,135,325
5,735,007 5,024,112
563,000
70,000
126,500
20,000
0
1,250
0
280,000
4,939,081
947,800
0
0
105,000
30,000
853,864
0
622,000
645,000
99,000
430,900
3,157,000 1,956,771
44,478,934 21,043,038
34.89%
16.51%

Confidential
1LINK (Guarantee) Limited

Page 17 of 40

Total
14,346,300
7,403,300
16,743,350
15,984,769
1,158,600
399,000
748,843
413,550
477,365
6,745,854
21,516,407
908,500
492,000
879,370
1,805,661
21,245,077
18,500
716,438
2,884,927
3,767,655
529,900
8,296,660
127,482,026

REC %
11.25%
5.81%
13.13%
12.54%
0.91%
0.31%
0.59%
0.32%
0.37%
5.29%
16.88%
0.71%
0.39%
0.69%
1.42%
16.67%
0.01%
0.56%
2.26%
2.96%
0.42%
6.51%

2.1.5. IBFT via Mobile

2.1.5.1. Number of Transactions

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

818
161
1,242
1,392
36
51
14
1
14
724
1,174
46
29
73
69
521
3
38
52
231
995
7,684
70.05%

Sending Banks
SUM
FSB
50
303
7
62
54
383
77
293
12
25
3
26
8
16
19
103
380
7
20
4
39
3
44
6
42
47
717
3
35
20
79
56
6
40
218
455
2,752
4.15%
25.09%

SIN
16
3
8
1
1
12
5
1
5
12
4
10
78
0.71%

Total
1,187
230
1,682
1,770
74
80
22
17
15
743
1,669
78
72
121
122
1,297
3
76
99
112
237
1,263
10,969

REC %
10.82%
2.10%
15.33%
16.14%
0.67%
0.73%
0.20%
0.15%
0.14%
6.77%
15.22%
0.71%
0.66%
1.10%
1.11%
11.82%
0.03%
0.69%
0.90%
1.02%
2.16%
11.51%

8,000

7,000
6,000

Transactions

Receiving Banks

SON

5,000

4,000
3,000

Number of Transaction

2,000

1,000
0

SON

SUM

FSB

SIN

Banks

Receiving Banks

2.1.5.2 Volume

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

SON
50,137,757
7,701,958
69,036,182
69,169,503
1,084,410
2,595,918
280,772
28,600
340,200
30,068,239
56,029,848
1,826,710
618,968
2,067,356
3,275,541
21,830,757
21,000
951,989
2,382,720
12,790,580
59,945,694
392,184,702
69.81%

Sending Banks
SUM
FSB
1,775,860 18,369,064
231,976
3,575,976
2,611,745 27,706,926
2,412,059 15,246,343
442,300
669,996
18,250
1,669,680
449,350
505,470
629,300
2,333,777 18,610,363
50,300
1,261,095
153,900
3,315,135
42,500
2,466,350
85,837
1,617,567
1,170,437 38,082,266
73,000
1,891,464
388,127
3,907,038
2,714,148
103,850
1,153,225 10,961,928
13,572,593 153,124,009
2.42%
27.26%

Sending Volume
SIN
929,680
176,000
160,500
5,000
5,000
473,550
46,780
50,000
29,000
347,500
280,500
365,700
2,869,210
0.51%

Total
71,212,361
11,509,910
99,530,853
86,988,405
2,201,706
4,283,848
730,122
534,070
345,200
30,697,539
77,447,538
3,184,885
4,088,003
4,626,206
5,007,945
61,430,960
21,000
2,916,453
4,295,165
5,377,368
12,894,430
72,426,547
561,750,514

REC %
12.68%
2.05%
17.72%
15.49%
0.39%
0.76%
0.13%
0.10%
0.06%
5.46%
13.79%
0.57%
0.73%
0.82%
0.89%
10.94%
0.00%
0.52%
0.76%
0.96%
2.30%
12.89%

SIN

FSB

SUM
SON

Receiving Volume
SUM

TAM

SON
SIN

ABL

UBL

SLK

BAF

SCB
NIB

MBL
KAS

BAH

HBL
JSB

FSB
DUB

BIP
CIT

Confidential
1LINK (Guarantee) Limited

ASK

Page 18 of 40

BUR

BOP

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

Transactions
%
Amount in PKR
317,153 68.77%
6,434,418,919
97,162 21.07%
8,469,413,182
16,485 3.57%
2,206,286,071
12,418 2.69%
2,358,375,199
17,167 3.72%
4,208,894,791
791 0.17%
332,569,802

461,176

24,009,957,964

No. of Transactions IBFT

200K to
250K

150K to
200K

More then
250K

100K to
150K

50K to
100K

Less then
50K

Volume IBFT
More then
250K
200K to
250K

Less then
50K

150K to
200K
100K to
150K
50K to
100K

Confidential
1LINK (Guarantee) Limited

Page 19 of 40

%
26.80%
35.27%
9.19%
9.82%
17.53%
1.39%

2.2.

IBFT Payments

2.3.1. Credit Card Bill Payments

Bank
HBL

Transactions

Amount
51

441,500

Confidential
1LINK (Guarantee) Limited

Page 20 of 40

3.0. VISA TRANSACTIONS

Issuer Banks

3.1.

Visa Local Transactions on POS

BAF
25,625
18,665
16,180
3,617
7,749
26,498
4,841
2,988
20,183
8,301
10,868
9,000
29,691
184,206

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

Acquirer POS
*All
Valid Rejection + Successful % after Amount for
Total
CIT HBL MCB
SCB
UBL Others
Valid rejections
Processed OK
Processed Ok
Processed Ok
118 0 8,823
379
9,849 202
44,996
36,871
39,499
87.78% 117,698,775
64
1 6,612
495
6,275
88
32,200
27,754
28,809
89.47% 114,310,378
109 1 6,267
199
6,977 184
29,917
27,303
28,663
95.81%
92,725,743
31
0 1,478
36
1,512
29
6,703
5,713
6,053
90.30%
18,127,688
51
0 2,829
147
2,702
99
13,577
12,855
13,343
98.28%
52,313,128
144 0 8,849
402
8,348 175
44,416
38,508
40,501
91.19% 138,931,473
39
0 1,746
74
1,594
12
8,306
6,445
6,691
80.56%
21,656,796
20
0 1,070
47
1,218
37
5,380
4,768
5,034
93.57%
16,233,714
96
0 7,279
296
7,245
63
35,162
32,587
33,640
95.67% 111,988,003
61
0 2,656
123
2,758
51
13,950
12,549
13,239
94.90%
45,578,951
58
0 4,901
144
4,862 100
20,933
18,724
19,625
93.75%
61,783,490
45
0 3,132
148
3,403
64
15,792
14,386
14,977
94.84%
45,474,016
88 17 10,045
404 11,391 582
52,218
45,866
48,736
93.33% 159,187,840
924 19 65,687 2,894 68,134 1,686 323,550
284,329
298,810
92.35% 996,009,995

All Processed OK Transactions

50,000
45,000
40,000

Transactions

35,000
30,000
25,000
20,000

No. Of Transactions

15,000
10,000
5,000

UBL

SUM

SON

SLK

MBL

KAS

JSB

FSB

DUB

BIP

BAH

ASK

ABL

Banks

Confidential
1LINK (Guarantee) Limited

Page 21 of 40

100
90
80
70
60
50
40
30
20
10
0

UBL

SUM

SON

SLK

MBL

KAS

JSB

FSB

DUB

BIP

BAH

ASK

Pecentage of Valid
Rejection

ABL

Percentage

Success Rate (with Valid Rejection)

Banks

1LINK VISA Local Volume

UBL

ABL

ASK

SUM
SON

BAH

SLK
MBL

DUB

BIP

FSB
KAS JSB

Confidential
1LINK (Guarantee) Limited

Page 22 of 40

3.1.1. 20 Merchant Category (Local 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

Amount

Service Stations
Groceries Stores, Supermarkets
Department Stores
Family Clothing Stores
Eating Places, Restaurants
Shoe Stores
Fast Food Restaurants
Drug Stores & Pharmacies
Bakeries
Men, Women Clothing Store
Misc. Apparel & Accessory Shops
Men & Boys Clothings Stores
Hospitals
Misc. General Merchandise
Hotels, Motels, & Resorts
Childrens and Infants Wear Stores
Cosmetic Stores
Womens Ready-To-Wear Stores
Telecommunications Services
Sewing, Needlework, Fabric, and Piece Goods Stores

65,131
36,652
24,813
22,798
21,008
12,523
12,435
10,175
8,431
6,872
6,793
6,696
5,315
3,249
2,978
2,471
2,411
2,266
2,153
2,026

82,488,598
146,528,657
95,785,432
104,912,424
43,957,852
35,906,498
12,681,549
22,809,825
6,555,247
35,505,651
29,247,919
32,649,129
50,344,390
16,899,643
26,389,984
11,409,517
9,878,546
17,614,901
5,054,786
17,719,099

Volume

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

160,000,000
140,000,000
120,000,000
100,000,000
80,000,000
60,000,000
40,000,000
20,000,000
0
Volume

Transactions

Merchants

70,000
60,000
50,000
40,000
30,000
20,000
10,000
0

# of Transactions

Merchants

Confidential
1LINK (Guarantee) Limited

Page 23 of 40

3.2. *Visa International- Bank Wise Transactions

Total Transactions

Process Ok

8,757
4,285
5,240
918
3,194
6,106
850
1,008
2,835
1,866
3,124
2,141
39,280
79,604

2,758
1,981
2,873
275
1,941
2,777
428
293
1,622
670
1,219
744
15,919
33,500

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

Valid Rejections +
Processed OK
7,222
2,580
5,035
783
3,047
5,273
631
587
2,489
1,646
2,605
1,971
32,175
66,044

Successful % after
Valid Rejections
82.47%
60.21%
96.09%
85.29%
95.40%
86.36%
74.24%
58.23%
87.80%
88.21%
83.39%
92.06%
81.91%
82%

Amount (USD)
338,144
244,320
380,584
35,934
324,646
328,826
62,582
35,697
219,681
86,929
151,040
109,538
1,584,957
3,902,877

100
90
80
70
60
50
40
30
20
10
0

UBL

SUM

SON

SLK

MBL

KAS

JSB

FSB

DUB

BIP

BAH

ASK

Valid Rejection
Percentage

ABL

Pecentage

Success Rate (with Valid Rejection)

Banks

1LINK VISA International Volume

ABL
ASK

UBL

BAH
BIP
DUB
FSB

MBL
SUM
SON

SLK

KAS JSB

Confidential
1LINK (Guarantee) Limited

January 2013
Page 24 of 40

MIS Department

3.2.1. Top 20 International Countries

Country

Transactions

United States
United Kingdom
United Arab Emirates
China
Saudi Arabia
Malaysia
Thailand
European Union
Kyrgyzstan
Canada
Oman
Bahrain
India
Australia
Turkey
Bangladesh
Singapore
Qatar
South Africa
Russian Federation

32,090
9,595
9,356
7,868
3,699
2,637
2,079
1,997
1,754
1,297
828
746
691
557
478
381
378
372
273
217

Confidential
1LINK (Guarantee) Limited

Page 25 of 40

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

Transactions

Amount

2,865

385,630

Groceries Stores, Supermarkets

910

58,628

Record Stores

538

2,627

Eating Places, Restaurants

532

22,628

Department Stores

491

65,827

Family Clothing Stores

470

57,404

Computer Network Services

465

23,113

Hotels, Motels, & Resorts

450

109,045

Duty Free Stores

348

40,730

Miscellaneous Business Services

337

15,105

Men, Women Clothing Store

328

43,588

Professional Services

311

30,697

Fast Food Restaurants

306

4,981

Telecommunications Services

304

6,556

Security Brokers/Dealers

277

121,532

Government Services (Not Elsewhere Classified)

264

16,872

Direct Marketing - Catalogue Merchant

250

5,769

Direct Marketing - Subscription

227

4,097

Shoe Stores

190

19,552

Financial Institutions

180

26,144

Confidential
1LINK (Guarantee) Limited

Page 26 of 40

3.3. VISA SMS Acquiring Service

UBL
Processed Ok
Total Number of Transactions
Success Percentage
Amount PKR

Withdrawals Balance Inquiries

Grand Total
11,999
1,303
13,302

21,135
56.77%
160,560,500

2,006
64.96%

23,141
57.48%
160,560,500

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

City
Seoul
Johannesburg
Johannesburg
Jeddah
Dubai

Country
South Korea
South Africa
South Africa
SAUDI ARABIA
UAE

Confidential
1LINK (Guarantee) Limited

Page 27 of 40

Transaction
Amount
1,578
20,101,500
1,074
15,847,500
1,019
13,191,000
447
4,757,500
351
4,860,000

4.0. UTILITY BILL PAYMENT SERVICE (UBPS)

4.1. UBPS Banks Position
Member Bank

Position
1st Place

UBL

Transactions
239,537

2nd Place

SCB

52,117

3rd Place

HBL

48,724

4th Place

ASK

31,540

5th Place

ABL

20,916

6th Place

BAH

15,247

7th Place

SON

9,505

8th Place

FSB

3,710

9th Place

SUM

2,737

10th Place

JSB

1,333

11th Place

BAF

1,282

12th Place

SLK

614

13th Place

SAM

252

14th Place

BAL

46

15th Place

BUR

32

16th Place

CIT

24

17th Place

16

250,000
225,000
200,000
175,000
150,000
125,000
100,000
75,000
50,000
25,000
0

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

Transactions

BAR

Banks

No. of Transactions

Confidential
1LINK (Guarantee) Limited

Page 28 of 40

4.2. UBPS Transactions

Sui- Gas

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

Telco's

Electricity

Post Pay

SSGC

SNGPL

LESCO

KESC

HESCO

989
3,434
28
2,655
17
3
8
5
187
6,244
116
30
3,450
59
833
389
97
18,544

2,167
8,365
142
685
8
7
0
3
252
13,148
42
14
2,504
41
442
295
159
28,274

2,253
8,931
329
925
11
2
4
7
414
4,818
47
30
1,280
64
712
192
238,694
258,713

984
1,588
68
3,203
10
4
20
9
230
4,001
121
41
4,178
47
798
484
111
15,897

0
0
1
0
0
0
0
0
0
0
0
0
0
0
107
0
0
108

41,833,590 62,687,570

Pre Pay

UFONE

1,299
743
89
840
0
0
0
0
378
1,960
96
18
4,399
59
564
149
95
10,689

6,831
4,234
107
3,324
0
0
0
0
1,037
13,640
422
88
20,753
151
3,825
493
156
55,061

Post Pay

Pre Pay

ISP
Post Pay

WARID

1,503
1,048
372
1,179
0
0
0
0
477
1,261
97
12
4,664
60
443
268
169
11,553

Pre Pay

Post Pay

Telenor

2,093
1,505
68
1,096
0
0
0
0
342
1,573
176
2
4,585
67
579
215
56
12,357

786
486
43
407
0
0
0
0
174
537
56
4
2,344
30
161
82
0
5,110

2,011
1,206
27
933
0
0
0
0
219
1,542
160
13
3,960
36
689
170
0
10,966

322,836,669 43,944,714 387,517 14,237,351 18,293,504 16,286,297 4,162,050 6,606,603 3,655,166

Zong

0
0
5
0
0
0
0
0
0
0
0
0
0
0
337
0
0
342

0
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3

20,916
31,540
1,282
15,247
46
16
32
24
3,710
48,724
1,333
252
52,117
614
9,505
2,737
239,537
427,632

16,100

104,750

1,600

535,053,481

BAL
ABL
BAF

BAR
CIT

BAH

BUR
FSB

HBL

UBL

JSB
SAM
SCB

SLK
SUM

SON

Utility Companies Transactions

TELENOR

ZONG

WATEEN

SSGC
WARID

SNGPL

UFONE

HESCO
KESC

LESCO

Confidential
1LINK (Guarantee) Limited

Wateen

0
0
0
0
0
0
0
0
0
0
0
0
0
0
15
0
0
15

Banks Transactions

ASK

Total

Pre Pay

Page 29 of 40

4.2.1. UBPS via ATM

Sui- Gas

Banks

SSGC

SNGPL

LESCO

KESC

221
528
599
188
3,105
6,266
8,337
1,270
28
142
329
68
567
170
327
582
17
8
11
10
3
7
2
4
8
0
4
20
5
3
7
9
72
182
322
94
452
953
700
597
20
7
0
12
10
6
19
10
546
530
1,280
725
36
22
37
27
94
124
258
128
49
39
49
57
97
159
287
111
5,330
9,146
12,568
3,912
6,628,280 19,475,320 31,009,469 11,004,258

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

ISP

Telco's

Electricity

Post Pay
HESCO

0
0
1
0
0
0
0
0
0
0
0
0
0
0
6
0
0
7
64,145

Pre Pay

UFONE

Post Pay

Pre Pay

WARID

Post Pay

Pre Pay

Post Pay

Telenor

186
333
304
105
79
106
45
373
81
116
26
127
89
107
372
68
43
27
144
295
360
101
55
55
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
120
184
253
54
57
13
356
545
379
125
0
0
10
6
2
1
4
5
1
2
1
0
3
0
339
206
536
58
138
55
27
44
27
16
14
12
51
152
83
54
17
61
38
29
55
3
7
3
95
156
169
56
0
0
1,501
2,432
2,622
757
443
464
2,137,300 805,750 3,862,672 267,350 658,165 149,770

Zong

0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
1
6,000

Banks Transactions on UBPS

SLK

SON

UBL

SUM

ABL

SAM

SCB

JSB

HBL
FSB

ASK

CIT

BAH

BUR

BAR

BAL

BAF

Utility Companies Transactions

TELENOR

ZONG

WARID

WATEEN
SSGC

UFONE
HESCO
SNGPL

KESC

LESCO

Confidential
1LINK (Guarantee) Limited

Page 30 of 40

Total

Pre Pay

0
0
5
0
0
0
0
0
0
0
0
0
0
0
17
0
0
22
1,000

Wateen

0
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
1,600

2,649
19,746
1,274
2,656
46
16
32
24
1,351
4,107
67
52
4,413
262
1,028
329
1,130
39,208
76,071,079

4.2.2. UBPS via Call Center

Sui Gas

Electricity

Telco's

Bank

ABL
SON
SUM
Total
Amount

Ufone

Warid

Telenor

Zong

SSGC

SNGPL

LESCO

KESC

HESCO

Post Pay

Pre Pay

Post Pay

Pre Pay

Post Pay

Pre Pay

Pre Pay

0
3
13

0
2
25

2
7
4

0
6
11

0
1
2

0
4
0

0
5
2

0
3
0

0
1
0

0
3
0

0
7
0

2
36
55

16
37,550

27
58,850

13
32,354

17
45,229

3
4,500

4
1,250

7
5,750

3
5,500

1
500

3
1,250

7
2,500

93
188,983

Total

2
35
57
194
384,216

4.2.3. UBPS via IVR

Sui- Gas

Banks
ABL
FSB
Total
Amount

Electricity

SSGC

SNGPL

LESCO

KESC

6
13
19
17,480

9
6
15
28,900

6
6
12
161,563

6
16
22
53,417

Telco's
Post Pay

Pre Pay

UFONE

8
35
43
57,153

46
134
180
52,400

Post Pay

Pre Pay

Post Pay

WARID

15
23
38
67,523

23
13
36
16,450

12
0
12
10,500

Confidential
1LINK (Guarantee) Limited

Pre Pay

Total

Telenor

Page 31 of 40

35
1
36
10,250

166
247
413
475,636

4.2.4. UBPS via Mobile

Sui Gas

Bank

Post Pay
SSGC

BAH
FSB
HBL
SON
SUM
Total
Amount

Telco

Electric

236
102
214
218
84
854
887,890

SNGP

LESCO

KESC

125
78
232
64
86
120
502
309
147
110
169
80
61
17
129
862
659
708
1,402,700 1,606,258 1,506,798

Pre Pay

HESCO

UFONE

0
0
0
82
0
82
288,349

0
0
223
719
841
9,032
232
2,135
0
0
1,296
11,886
1,473,614 3,548,550

Post Pay

Pre Pay

Warid

0
201
0
0
0
201
292,525

0
275
0
0
0
275
90,500

Transactions

Banks Transactions
12000
10000
8000
6000
4000
2000
0
BAH

FSB

HBL

Banks

SON

SUM
# of Transactions

Utility Companies Transactions

14000

Transactions

12000

10000
8000
6000
4000
2000

No. of Transactions
Utility Companies

Confidential
1LINK (Guarantee) Limited

Page 32 of 40

Post Pay

Pre Pay

Total

Telenor

0
117
0
0
0
117
137,929

0
205
0
0
0
205
63,500

671
1,790
11,045
3,026
291
17,145
11,298,613

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

Post Pay
HESCO

Pre Pay

UFONE

Post Pay

Pre Pay

WARID

Post Pay

Pre Pay

762
1,630
1,646
790
0
1,105
6,452
1,184
1,965
695
1,870
329
2,099
594
318
0
698
3,861
967
1,389
460
1,079
1,852
390
520
2,389
0
696
3,029
819
995
352
878
991
963
891
1,211
0
763
4,063
882
1,448
537
1,542
96
35
47
109
0
86
416
95
175
52
155
20
8
11
31
0
17
86
11
2
1
13
2,904
1,974
0
3,453
0
4,060
20,547
4,128
4,527
2,206
3,905
23
19
27
20
0
32
107
33
51
16
24
518
206
278
584
19
280
1,534
357
525
143
626
243
170
122
287
0
109
464
213
212
75
167
0
0
238,407
0
0
0
0
0
0
0
0
7,738
7,494
242,543
9,192
19
7,846
40,559
8,689
11,289
4,537
10,259
30,333,390 27,762,920 286,928,378 28,092,043 35,023 10,564,784 13,885,554 12,058,077 3,787,750 5,799,509 3,430,896

Banks Transactions UBPS

250000

Transactions

200000
150000

100000
50000
0

ABL

ASK BAH HBL

JSB

SAM SCB

SLK

SON SUM UBL

Banks
# of Transactions

Utility Companies Transactions

300000

Transactions

250000
200000
150000
100000
50000

Utility Companies

No. of Transactions

Confidential
1LINK (Guarantee) Limited

Post Pay

Telenor

Page 33 of 40

Pre Pay

Total

0
0
0
0
0
0
0
0
313
0
0
313
15,100

18,099
11,794
11,920
13,291
1,266
200
47,704
352
5,397
2,062
238,407
350,492
422,789,674

Zong

0
0
0
0
0
0
0
0
14
0
0
14
96,250

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

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
14,102
20,404
8,603
1,018
514
1,702
803
6,317
367
1,000
700
5,627
53,036
3,228
1,250
798
82
5,540
26,959
2,190
170
13,601
154
655
3,661
2,564
6,860
43,641
225,546
13.98%
ABL

ASK
5,647
0
4,669
2,509
351
378
606
103
1,696
171
434
321
1,767
15,885
638
289
343
12
1,352
13,223
565
46
4,084
35
266
1,061
379
1,810
12,205
70,845
4.39%
ASK

BAF
11,908
9,381
0
5,228
814
368
1,358
378
4,054
290
738
509
3,986
34,596
1,918
675
432
27
3,552
14,945
1,369
127
9,175
44
410
2,345
3,027
10,436
27,316
149,406
9.26%
BAF

BAH
11,657
7,021
10,269
0
703
493
1,383
173
2,702
382
660
521
3,988
55,508
5,795
1,012
733
37
4,323
21,116
1,981
209
10,631
206
507
3,055
1,349
5,063
32,594
184,071
11.41%
BAH

BAL
672
368
663
410
0
23
71
34
112
49
26
36
249
2,175
140
48
56
1
210
675
82
6
612
1
31
146
57
0
1,101
8,054
0.50%
BAL

BAR
135
150
134
58
3
0
9
1
10
3
74
28
76
180
34
13
23
0
49
112
25
13
2,283
1
11
24
5
3
160
3,617
0.22%
BAR

BIP
2,359
1,973
1,960
1,350
239
5
0
71
423
89
80
186
872
5,970
623
171
113
5
836
2,642
306
2
2,100
24
120
519
262
709
4,483
28,492
1.77%
BIP

BOK
630
407
363
163
32
12
65
0
51
10
17
15
149
1,207
51
20
13
0
157
685
51
6
338
2
8
59
101
33
1,042
5,687
0.35%
BOK

BOP
2,630
1,880
2,406
991
101
74
147
31
0
26
92
78
752
6,894
377
148
99
9
668
2,721
351
19
1,768
9
102
399
194
919
5,728
29,613
1.84%
BOP

BUR
591
441
697
400
69
45
80
10
189
0
49
83
398
1,561
164
112
90
0
321
626
132
11
717
5
68
200
53
25
1,050
8,187
0.51%
BUR

CIT
167
71
78
86
3
11
12
0
4
5
0
9
82
367
95
15
9
0
34
120
35
4
395
0
10
20
22
5
172
1,831
0.11%
CIT

DUB
882
895
842
574
71
57
141
19
229
56
68
0
645
2,028
247
93
84
5
432
1,166
164
21
985
2
57
259
79
45
1,394
11,540
0.72%
DUB

FSB
6,236
5,223
6,254
3,899
442
347
567
187
2,056
150
526
441
154
15,238
1,410
728
404
23
2,486
6,756
897
98
6,120
35
375
1,606
578
1,719
11,093
76,048
4.72%
FSB

P
Q
R
Acquirer Banks
HBL
HMB
JSB
19,243
30
2,368
15,223
1,082
1,641
15,759
1,074
2,205
10,527
2,327
1,344
760
158
166
408
124
86
1,773
253
237
407
35
9
5,625
468
623
284
106
59
907
102
110
613
122
105
4,027
672
702
0
5,677
7,526
3,303
0
286
913
160
0
619
146
143
43
5
10
3,989
823
706
29,382
1,967
3,069
1,643
342
269
148
47
40
10,861
1,539
1,539
206
10
276
559
112
106
4,016
638
658
2,186
159
6,117
8,371
98
470
43,799
3,017
4,592
185,594
21,293
35,462
11.51%
1.32%
2.20%
HBL
HMB
JSB

AA

AB

AC

AD

AE

AF

AG

KAS
1,369
1,068
869
775
67
2
114
16
379
49
53
70
550
4,343
265
109
0
6
580
1,732
214
0
1,089
10
77
343
149
767
2,756
17,821
1.10%
KAS

KSF
64
49
40
63
3
3
3
0
33
3
5
0
16
224
18
2
3
0
16
53
10
1
56
0
1
7
19
22
152
866
0.05%
KSF

MBL
8,195
6,228
6,678
5,396
1,291
361
1,257
408
2,311
322
636
481
3,325
21,613
2,164
628
393
31
0
11,910
1,262
135
5,687
62
451
1,975
859
1,765
16,884
102,708
6.37%
MBL

NBP
4,393
9,361
4,346
2,098
150
60
551
105
1,188
36
108
130
653
17,624
346
181
134
15
812
0
358
32
1,886
51
114
859
446
971
12,214
59,222
3.67%
NBP

NIB
2,433
2,008
2,399
1,390
155
145
239
41
817
89
118
134
892
6,099
469
150
162
7
822
3,017
0
42
2,043
25
120
620
187
341
3,803
28,767
1.78%
NIB

SAM
355
317
336
256
26
32
37
6
99
31
34
61
306
770
101
54
42
0
135
385
58
0
466
0
43
93
32
9
688
4,772
0.30%
SAM

SCB
3,336
2,976
4,335
2,256
306
333
356
56
1,059
129
625
303
2,096
7,407
899
379
279
9
1,133
2,516
614
106
0
9
304
896
326
241
5,542
38,826
2.41%
SCB

SIN
166
117
106
44
14
38
11
2
33
5
4
15
47
449
21
1
11
0
30
168
20
3
126
0
15
38
13
12
278
1,787
0.11%
SIN

SLK
1,271
1,907
1,395
853
155
166
143
46
392
49
149
123
750
3,777
314
175
232
6
708
2,125
232
37
1,552
14
0
386
147
257
2,720
20,081
1.25%
SLK

SON
7,204
5,165
6,603
4,543
406
258
771
90
2,097
181
369
296
2,111
21,935
1,609
498
341
31
2,073
11,340
868
109
5,959
233
270
0
637
4,740
15,275
96,012
5.95%
SON

SUM
3,773
2,779
3,107
2,721
254
138
410
62
724
113
181
240
1,309
9,994
960
407
245
10
1,129
4,592
534
66
3,046
48
221
906
0
494
6,162
44,625
2.77%
SUM

TAM
4
6
6
23
0
0
12
0
1
2
0
2
6
53
4
0
2
0
4
5
0
1
31
0
0
1
0
0
0
163
0.01%
TAM

UBL
15,784
11,065
11,172
6,580
647
362
1,254
471
4,593
362
660
549
3,652
45,030
2,496
840
518
45
3,897
19,898
1,403
131
10,045
207
410
2,712
977
6,128
0
151,888
9.42%
UBL

TOTAL
113,502
102,904
109,169
65,467
8,404
4,843
13,562
3,564
38,285
3,418
7,825
6,171
39,859
347,166
27,975
9,071
6,467
419
36,817
183,905
15,975
1,630
98,734
1,669
5,423
27,502
20,924
52,313
259,861
1,612,824

% ISS
7.04%
6.38%
6.77%
4.06%
0.52%
0.30%
0.84%
0.22%
2.37%
0.21%
0.49%
0.38%
2.47%
21.53%
1.73%
0.56%
0.40%
0.03%
2.28%
11.40%
0.99%
0.10%
6.12%
0.10%
0.34%
1.71%
1.30%
3.24%
16.11%

*Banks are as Issuer only

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

350,000
300,000

Transactions

250,000
200,000
150,000

Acquiring
Issuing

100,000
50,000
0

Banks

Confidential
1LINK (Guarantee) Limited

January 2013
Page 34 of 40

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

Acquirer Banks
FWB
HSB
MCB
5
16,519
5
48
10,657
1
14,361
8
6,852
730
1
500
1,160
478
6,423
277
1
6
634
527
2
3,628
17
54,817
3
5
2,558
932
619
39
3,204
30
19,431
2
1,451
148
7
11,120
206
613
3,029
942
9,841
11
43,075
93
59
214,771
0.04%
0.03%
99.93%

Total
16,524
10,710
14,362
6,860
730
501
1,160
478
6,423
277
641
527
3,630
54,834
2,566
932
619
39
3,204
19,461
1,453
148
11,127
206
613
3,029
942
9,841
43,086
214,923

%ISS
7.69%
4.98%
6.68%
3.19%
0.34%
0.23%
0.54%
0.22%
2.99%
0.13%
0.30%
0.25%
1.69%
25.51%
1.19%
0.43%
0.29%
0.02%
1.49%
9.05%
0.68%
0.07%
5.18%
0.10%
0.29%
1.41%
0.44%
4.58%
20.05%

250,000

200,000
Transactions

Issuer Banks

5.2.1. 1LINK on MNET

150,000
100,000

50,000
0
FWB

Banks

Confidential
1LINK (Guarantee) Limited

HSB

MCB
# of Transactions

January 2013
Page 35 of 40

MIS Department

5.2.2 1LINK on MNET

ABL
ASK
BAF
BAH
BAL
BAR
BIP
BOK
BOP
BUR
CIT

Acquirer Banks

DUB
FSB
HBL
HMB
JSB
KAS
KSF
MBL
NBP
NIB
SAM
SCB
SIN
SLK
SON
SUM
TAM
UBL
Tota l
% ISS

169
39
50
66
0
0
14
1
19
6
0
6
29
87
13
4
8
0
55
62
21
2
30
2
15
37
31
0
64

Issuer Banks
MCB

HSBC
185
87
194
163
8
12
22
2
14
6
1
10
154
133
37
53
0
1
0
16
42
32
263
1
35
107
59
0
191

18,948
5,165
10,963
13,334
567
206
2,083
473
2,341
622
372
757
5,762
17,388
2,252
2,416
1,269
98
8,854
2,259
2,186
317
3,221
153
1,546
7,417
4,005
13
15,148

SME

Total

%ACQ

26
7
20
16
0
0
3
0
4
0
0
1
31
16
6
2
1
0
10
6
0
2
4
1
5
16
3
0
16

19,328
5,298
11,227
13,579
575
218
2,122
476
2,378
634
373
774
5,976
17,624
2,308
2,475
1,278
99
8,919
2,343
2,249
353
3,518
157
1,601
7,577
4,098
13
15,419

14.53%
3.98%
8.44%
10.21%
0.43%
0.16%
1.60%
0.36%
1.79%
0.48%
0.28%
0.58%
4.49%
13.25%
1.74%
1.86%
0.96%
0.07%
6.71%
1.76%
1.69%
0.27%
2.65%
0.12%
1.20%
5.70%
3.08%
0.01%
11.59%

140,000
120,000
100,000
Transactions

FWB

80,000

60,000
40,000
20,000
0
FWB

HSB

MCB
Banks

SME
# of Transactions

830
1,828 130,135
196
132,989
0.62% 1.37% 97.85% 0.15%

Note: These are only Withdrawal plus Processed OK transactions

Confidential
1LINK (Guarantee) Limited

January 2013
Page 36 of 40

MIS Department

6.0 INDEX
6.1. Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR
BIP
BOK
BOP
CIT
DUB
FSB
HBL
HMB
JSB
KAS
KSF
MBL
NBP
NIB
SCB
SLK
SON
SUM
TAM
UBL

Allied Bank Limited

Askari Bank Limited
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Habib
Sindh Bank
Burj Bank
Bank Islami 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 BankSAM Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

FWB
HSBC
MCB
SME

First Women Bank

Hong Kong Shanghai Bank
Muslim Commercial Bank
Small Medium Enterprise

Confidential
1LINK (Guarantee) Limited

January 2013
Page 37 of 40

MIS Department

7.0. MARKET OVERVIEW

7.1. 1LINK Products & Non-Financial Transactions
Following graph shows percentage portion of each 1LINK product, weighted by their number of transactions, including the Non-financial transactions
performed over 1LINK.

Non-Financial
21%

UBPS
5%
VISA
4%
IBFT
5%

Switch Withdrawal
65%

Confidential
1LINK (Guarantee) Limited

January 2013
Page 38 of 40

MIS Department

7.2. 1LINK TREND ANALYSIS

The following graph shows the trend analysis of day by day intra switch processed ok transactions.
400,000
375,384
353,688

350,000

332,114
300,000

293,862

281,691

256,009
253,608

250,000
235,387
200,000

327,873

265,304
251,429
233,957

193,227

235,469
225,019
224,184
218,439
216,764
206,856

244,045

208,171
191,936 190,530
183,888

238,581

189,119
157,158

150,000

230,102
217,249

167,727

180,330

100,000
50,000
-

Average

Confidential
1LINK (Guarantee) Limited

January 2013
Page 39 of 40

MIS Department

All rights reserved Copyrights 2008-12. 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

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