Executive Summary
This report provides a comprehensive overview of all banking transactions processed across all branches during the period from May 23, 2025 to June 23, 2025. The analysis includes transaction volumes, values, and patterns across different transaction types, customer segments, and branches.
Overall transaction volume increased by 12.3% compared to the previous month, with a total of 1,254,876 transactions processed. The total transaction value was BHD 487,325,921, representing a 8.7% increase from the previous month. Digital channels continued to show strong growth, with mobile banking transactions increasing by 18.5% and online banking transactions by 15.2%.
Key highlights include a significant increase in international transfers (up 22.4%), a decrease in ATM withdrawals (down 5.8%), and a notable shift in transaction patterns with peak transaction times moving from traditional morning hours to midday and early evening periods.
Transaction Volume Overview
| Transaction Type | Volume | Value ($) | Avg. Value ($) | % Change |
|---|---|---|---|---|
| Deposits | 352,416 | 198,745,632 | 564 | +7.2% |
| Withdrawals | 289,621 | 87,324,518 | 301 | -2.1% |
| Transfers (Domestic) | 421,843 | 142,876,291 | 339 | +11.4% |
| Transfers (International) | 42,187 | 28,764,580 | 682 | +22.4% |
| Bill Payments | 148,809 | 29,614,900 | 199 | +8.9% |
Transaction Value Analysis
Transaction Value by Channel
Transaction Value Trend
Transaction Value by Customer Segment
| Customer Segment | Transaction Count | Total Value ($) | Avg. Value ($) | % of Total |
|---|---|---|---|---|
| Premium | 187,643 | 215,784,921 | 1,150 | 44.3% |
| Business | 142,876 | 156,324,518 | 1,094 | 32.1% |
| Standard | 587,432 | 94,876,291 | 162 | 19.5% |
| Basic | 336,925 | 20,340,191 | 60 | 4.1% |
Top 5 Branches by Transaction Value
| Branch | Transaction Count | Total Value ($) | % of Total | YoY Change |
|---|---|---|---|---|
| Manama Financial Harbor | 87,643 | BHD 78,934,521 | 16.2% | +12.4% |
| Seef District | 76,321 | BHD 65,876,432 | 13.5% | +8.7% |
| Diplomatic Area | 54,876 | BHD 42,987,654 | 8.8% | +15.2% |
| Riffa | 48,765 | BHD 38,765,432 | 8.0% | +9.8% |
| Muharraq | 43,210 | BHD 32,876,543 | 6.7% | +7.3% |
Transaction Timing Analysis
Transaction Distribution by Day of Week
Transaction volume shows significant variation across different days of the week. Monday continues to be the busiest day with 19.8% of weekly transactions, followed by Friday (18.2%). Weekend transaction volumes have increased by 7.3% compared to the previous month, indicating changing customer behavior patterns.
Transaction Distribution by Time of Day
The traditional morning peak (9:00 AM - 11:00 AM) has shifted, with a more distributed pattern throughout the day. The highest transaction volumes now occur during lunch hours (12:00 PM - 2:00 PM) and early evening (4:00 PM - 6:00 PM). Digital channel usage shows a more even distribution throughout the day, while in-branch transactions remain concentrated during business hours.
Monthly Transaction Trend
The 12-month trend shows consistent growth in overall transaction volumes, with a compound monthly growth rate of 1.8%. Seasonal patterns are evident, with peaks during holiday seasons (December and April) and during salary payment periods (beginning of each month). The growth in digital transactions has been particularly strong, with a 2.4% compound monthly growth rate compared to 0.7% for in-branch transactions.
Digital Channel Analysis
Digital channels continue to show strong growth, with mobile banking transactions growing at a faster rate than online banking. The mobile app is now the primary transaction channel for 52.3% of customers aged 18-45, while online banking remains the preferred channel for customers aged 46 and above.
Top Digital Transaction Types
| Transaction Type | Mobile Count | Online Count | Total Value ($) | % Change |
|---|---|---|---|---|
| Bill Payments | 98,765 | 42,876 | 28,432,654 | +21.4% |
| Internal Transfers | 156,432 | 87,654 | 76,543,210 | +18.7% |
| External Transfers | 87,654 | 65,432 | 54,321,987 | +15.2% |
| Mobile Top-ups | 76,543 | 12,345 | 1,765,432 | +24.3% |
| Card Management | 54,321 | 32,109 | N/A | +12.8% |
Digital Channel User Demographics
Conclusions and Recommendations
Key Findings
- Overall transaction volume increased by 12.3% compared to the previous month, with digital channels driving the majority of this growth.
- Mobile banking transactions showed the strongest growth at 18.5%, indicating continued shift toward mobile-first banking.
- Transaction timing patterns are changing, with peak volumes now occurring during lunch hours and early evening rather than traditional morning hours.
- Premium and business segments account for 76.4% of total transaction value despite representing only 26.4% of transaction volume.
- International transfers showed significant growth (22.4%), potentially indicating increased cross-border business activity.
Recommendations
- Increase investment in mobile banking capabilities to capitalize on strong growth trends and user preference.
- Adjust branch staffing patterns to align with new peak transaction times during lunch and early evening hours.
- Develop targeted offerings for international transfers to capitalize on growing demand in this segment.
- Implement strategies to increase digital adoption among customers aged 46 and above, who still prefer traditional banking channels.
- Explore opportunities to increase transaction activity among basic segment customers, who represent a significant portion of the customer base but only 4.1% of transaction value.
Next Steps
This report will be distributed to all branch managers and department heads. A follow-up meeting is scheduled for June 30, 2025, to discuss implementation strategies for the recommendations outlined above. The next monthly transaction report will be generated on June 23, 2025.
Report generated by: Sarah Johnson, Customer Service Executive
Report ID: TRX-2025-05-23-001
Generated on: 23 May 2025, 14:32