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Risk Management Policy - Significant Changes in Gross Carrying Amount of Loans to Customers (Details) - KZT (₸) ₸ in Millions | 12 Months Ended
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Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Gross carrying amount | ₸ 6,553,522 |  |
Changes in the gross carrying amount |  |  |
Transfers | (41,013) | ₸ (35,883) | ₸ (25,204)
New loans to customers originated or purchased | 86,237 | 75,105 | 65,898
Gross carrying amount | 7,997,909 | 6,553,522 |
Loans to Customers at Amortized Cost |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (1,924) | (261) |
Loans to Customers at Amortized Cost | Gross Carrying |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Gross carrying amount | 4,478,489 | 3,369,512 |
Changes in the gross carrying amount |  |  |
New loans to customers originated or purchased | 4,528,651 | 3,422,622 |
Loans to customers that have been repaid or derecognized | (2,891,562) | (2,250,527) |
Write-offs | (89,272) | (82,959) |
Recovery from off-balance loans to customers | 16,137 | 19,844 |
Other changes |  | (3) |
Gross carrying amount | 6,042,443 | 4,478,489 | 3,369,512
Loans to Customers at Amortized Cost | POCI | Gross Carrying |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Gross carrying amount | 10,504 | 4,754 |
Changes in the gross carrying amount |  |  |
New loans to customers originated or purchased | 21,310 | 9,553 |
Loans to customers that have been repaid or derecognized | (8,678) | (3,803) |
Gross carrying amount | 23,136 | 10,504 | 4,754
Loans to Customers at Amortized Cost | Stage 1 - 12-month ECL |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 27,598 | 25,885 | 14,545
New loans to customers originated or purchased | 86,095 | 75,077 | 65,888
Loans to Customers at Amortized Cost | Stage 1 - 12-month ECL | Transfer to Stage 1 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (27,424) | (15,923) | (3,544)
Loans to Customers at Amortized Cost | Stage 1 - 12-month ECL | Transfer to Stage 2 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 11,051 | 10,396 | 6,970
Loans to Customers at Amortized Cost | Stage 1 - 12-month ECL | Transfer to Stage 3 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 25,149 | 25,126 | 13,854
Loans to Customers at Amortized Cost | Stage 1 - 12-month ECL | Gross Carrying |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Gross carrying amount | 4,048,478 | 3,058,897 |
Changes in the gross carrying amount |  |  |
New loans to customers originated or purchased | 4,507,341 | 3,413,069 |
Loans to customers that have been repaid or derecognized | (2,830,265) | (2,203,671) |
Gross carrying amount | 5,447,804 | 4,048,478 | 3,058,897
Loans to Customers at Amortized Cost | Stage 1 - 12-month ECL | Gross Carrying | Transfer to Stage 1 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 65,305 | 32,712 |
Loans to Customers at Amortized Cost | Stage 1 - 12-month ECL | Gross Carrying | Transfer to Stage 2 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (76,678) | (58,058) |
Loans to Customers at Amortized Cost | Stage 1 - 12-month ECL | Gross Carrying | Transfer to Stage 3 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (266,377) | (194,471) |
Loans to Customers at Amortized Cost | Stage 2 - Lifetime ECL |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 1,896 | 2,531 | (4,429)
Loans to Customers at Amortized Cost | Stage 2 - Lifetime ECL | Transfer to Stage 1 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 3,919 | 1,448 | 1,138
Loans to Customers at Amortized Cost | Stage 2 - Lifetime ECL | Transfer to Stage 2 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (20,608) | (16,184) | (7,208)
Loans to Customers at Amortized Cost | Stage 2 - Lifetime ECL | Transfer to Stage 3 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 7,250 | 5,745 | 7,014
Loans to Customers at Amortized Cost | Stage 2 - Lifetime ECL | Gross Carrying |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Gross carrying amount | 55,804 | 40,934 |
Changes in the gross carrying amount |  |  |
Loans to customers that have been repaid or derecognized | (33,883) | (27,748) |
Gross carrying amount | 86,251 | 55,804 | 40,934
Loans to Customers at Amortized Cost | Stage 2 - Lifetime ECL | Gross Carrying | Transfer to Stage 1 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (13,657) | (4,991) |
Loans to Customers at Amortized Cost | Stage 2 - Lifetime ECL | Gross Carrying | Transfer to Stage 2 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 102,681 | 66,931 |
Loans to Customers at Amortized Cost | Stage 2 - Lifetime ECL | Gross Carrying | Transfer to Stage 3 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (24,694) | (19,322) |
Loans to Customers at Amortized Cost | Stage 3 - Lifetime ECL |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (65,061) | (61,320) | (33,307)
Loans to Customers at Amortized Cost | Stage 3 - Lifetime ECL | Transfer to Stage 1 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 23,505 | 14,475 | 2,406
Loans to Customers at Amortized Cost | Stage 3 - Lifetime ECL | Transfer to Stage 2 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | 9,557 | 5,788 | 238
Loans to Customers at Amortized Cost | Stage 3 - Lifetime ECL | Transfer to Stage 3 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (32,399) | (30,871) | (20,868)
Loans to Customers at Amortized Cost | Stage 3 - Lifetime ECL | Gross Carrying |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Gross carrying amount | 363,703 | 264,927 |
Changes in the gross carrying amount |  |  |
Loans to customers that have been repaid or derecognized | (18,736) | (15,305) |
Write-offs | (89,272) | (82,959) |
Recovery from off-balance loans to customers | 16,137 | 19,844 |
Other changes |  | (3) |
Gross carrying amount | 485,252 | 363,703 | ₸ 264,927
Loans to Customers at Amortized Cost | Stage 3 - Lifetime ECL | Gross Carrying | Transfer to Stage 1 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (51,648) | (27,721) |
Loans to Customers at Amortized Cost | Stage 3 - Lifetime ECL | Gross Carrying | Transfer to Stage 2 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | (26,003) | (8,873) |
Loans to Customers at Amortized Cost | Stage 3 - Lifetime ECL | Gross Carrying | Transfer to Stage 3 |  |  |
Changes in the gross carrying amount |  |  |
Transfers | ₸ 291,071 | ₸ 213,793 |

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- Definition The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity’s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity’s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity’s own equity instruments. For this purpose the entity’s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity’s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 25 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_25&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35H&doctype=Standard -URIDate 2024-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35M -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35M&doctype=Standard -URIDate 2024-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35N -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35N&doctype=Standard -URIDate 2024-03-27 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35I -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35I&doctype=Standard -URIDate 2024-03-27 + Details
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