Statistics of Credit Card, Cash Card & Electronic Payment Institutions Business Operation as of January 2022
2022-03-10
1. Credit Card:
As of January 2022, thirty-three credit card issuing institutions were in operation in Taiwan. The number of effective cards totaled 52.85 million (52.63 million at the end of December 2021) among which the total active cards numbered in 33.97 million (33.79 million at the end of December 2021). The balance of revolving credit was NT$101.5 billion (NT$101.2 billion at the end of December 2021). The amount of undue balance of installment was approximately NT$162.1 billion (NT$163.5 billion at the end of December 2021). The amount of monthly retail sales was approximately NT$272.1 billion (NT$294.9 billion for December 2021). The amount of monthly write-off was approximately NT$0.26 billion (NT$0.21 billion for December 2021). Average ratio of delinquency credit (pass-due over three months) against account receivables (including non-accrual amounts) was 0.13% (equivalent to the number of December 2021) (Please see Attachment 1).
2. Cash Card:
As of January 2022, thirteen financial institutions were engaging in cash cards business in Taiwan. Total number of effective cash cards was 0.33 million (0.34 million at the end of December 2021). Total balance of cash card loans (including non-accrual amounts) was NT$12.4 billion (NT$12.6 billion at the end of December 2021). The amount of monthly write-off was approximately NT$0.02 billion (equivalent to the number of December 2021). The overall delinquency ratio was 0.864% (0.843% at the end of December 2021) (Please see Attachment 2).
3. Electronic Payment Institutions Business:
As of January 2022, there were nine specialized electronic payment institutions, and twenty electronic payment institutions were concurrently engaging in other businesses (included dual-status banks, Chunghwa Post Co, Ltd, and electronic stored value cards issuers).
(1) Stored Value Card:
The number of effective cards totaled 148.47 million (147.43 million at the end of December 2021). The number of cards in using was 12.03 million (12.93 million for December 2021). The amount of monthly retail sales was approximately NT$5.83 billion (NT$6.51 billion for December 2021). The balance of stored value was NT$12.4 billion (NT$12.32 billion at the end of December 2021) (Please see Attachment 3).
(2) Electronic Payment Account:
The number of users totaled 16.09 million (15.81 million at the end of December 2021). The monthly amount of funds collected & paid as an agent for real transactions was NT$7.47 billion (NT$7.75 billion for December 2021). The monthly amount of funds for engaging in domestic & foreign small-amount remittances business was NT$10.02 billion (NT$7.92 billion for December 2021). The monthly amount of stored value funds was NT$21.99 billion (NT$17.63 billion for December 2021). The balance of the e-payment accounts in the e-payment institutions totaled NT$7.54 billion (NT$6.82 billion at the end of December 2021) (Please see Attachment 4)
4. Attachments 5 to 8 please see the major business information concerning credit cards, cash cards and electronic payment institutions business as of January 2022.
As of January 2022, thirty-three credit card issuing institutions were in operation in Taiwan. The number of effective cards totaled 52.85 million (52.63 million at the end of December 2021) among which the total active cards numbered in 33.97 million (33.79 million at the end of December 2021). The balance of revolving credit was NT$101.5 billion (NT$101.2 billion at the end of December 2021). The amount of undue balance of installment was approximately NT$162.1 billion (NT$163.5 billion at the end of December 2021). The amount of monthly retail sales was approximately NT$272.1 billion (NT$294.9 billion for December 2021). The amount of monthly write-off was approximately NT$0.26 billion (NT$0.21 billion for December 2021). Average ratio of delinquency credit (pass-due over three months) against account receivables (including non-accrual amounts) was 0.13% (equivalent to the number of December 2021) (Please see Attachment 1).
2. Cash Card:
As of January 2022, thirteen financial institutions were engaging in cash cards business in Taiwan. Total number of effective cash cards was 0.33 million (0.34 million at the end of December 2021). Total balance of cash card loans (including non-accrual amounts) was NT$12.4 billion (NT$12.6 billion at the end of December 2021). The amount of monthly write-off was approximately NT$0.02 billion (equivalent to the number of December 2021). The overall delinquency ratio was 0.864% (0.843% at the end of December 2021) (Please see Attachment 2).
3. Electronic Payment Institutions Business:
As of January 2022, there were nine specialized electronic payment institutions, and twenty electronic payment institutions were concurrently engaging in other businesses (included dual-status banks, Chunghwa Post Co, Ltd, and electronic stored value cards issuers).
(1) Stored Value Card:
The number of effective cards totaled 148.47 million (147.43 million at the end of December 2021). The number of cards in using was 12.03 million (12.93 million for December 2021). The amount of monthly retail sales was approximately NT$5.83 billion (NT$6.51 billion for December 2021). The balance of stored value was NT$12.4 billion (NT$12.32 billion at the end of December 2021) (Please see Attachment 3).
(2) Electronic Payment Account:
The number of users totaled 16.09 million (15.81 million at the end of December 2021). The monthly amount of funds collected & paid as an agent for real transactions was NT$7.47 billion (NT$7.75 billion for December 2021). The monthly amount of funds for engaging in domestic & foreign small-amount remittances business was NT$10.02 billion (NT$7.92 billion for December 2021). The monthly amount of stored value funds was NT$21.99 billion (NT$17.63 billion for December 2021). The balance of the e-payment accounts in the e-payment institutions totaled NT$7.54 billion (NT$6.82 billion at the end of December 2021) (Please see Attachment 4)
4. Attachments 5 to 8 please see the major business information concerning credit cards, cash cards and electronic payment institutions business as of January 2022.
Related Files
Attachment 5_Statistics of Credit card Business Operations of January 2022.zip
Attachment 6_Statistics of Cash card Business Operations of January 2022.zip
Attachment 7_Statistics of Stored Value Card Information as of January 2022(ODS&xlsx).zip
Attachment 8_Statistics of Electronic Payment Account Information as of January 2022(ODS&xlsx).zip
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Update:
2022-03-10