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v3.25.0.1

Consolidated Statements of Cash Flows - KZT (₸) ₸ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Cash flows from (used in) operating activities [abstract] |  |  |
Interest received from loans to customers | ₸ 843,021 | ₸ 598,005 | ₸ 465,989
Other interest received | 162,428 | 71,129 | 46,387
Interest paid | (597,046) | (454,502) | (257,030)
Expenses paid on obligatory insurance of individual deposits | (13,751) | (10,622) | (7,251)
Net fee revenue received | 1,287,487 | 1,002,604 | 673,289
Retail revenue received | 163,134 | 68,807 |
Sales & marketing expenses paid | (43,975) | (34,753) | (24,440)
Other income received | 10,714 | 21,584 | 27,017
Transaction expenses paid | (29,494) | (27,470) | (22,188)
Cost of goods and services purchased | (302,388) | (164,372) | (78,287)
Technology & product development expenses paid | (73,811) | (50,892) | (38,810)
General & administrative expenses paid | (23,746) | (16,543) | (12,749)
Cash flows from operating activities before changes in operating assets and liabilities | 1,382,573 | 1,002,975 | 771,927
(Increase)/decrease in operating assets: |  |  |
Mandatory cash balances with NBRK | (10,197) | (4,193) | (10,183)
Due from banks | (12,002) | (4,771) | 27,319
Financial assets at FVTPL | 3,252 | (4,997) | 12,396
Loans to customers | (1,612,989) | (1,132,091) | (760,660)
Other assets | 781 | (5,407) | (24,788)
Increase/(decrease) in operating liabilities: |  |  |
Due to banks | 24,254 | (27,590) | (60,057)
Customer accounts | 1,044,723 | 1,434,259 | 1,186,731
Financial liabilities at FVTPL | (903) | 1,019 | (2,261)
Other liabilities | (19,540) | 28,708 | 13,982
Cash inflow from operating activities before income tax | 799,952 | 1,287,912 | 1,154,406
Income tax paid | (218,060) | (181,784) | (133,422)
Net cash inflow from operating activities | 581,892 | 1,106,128 | 1,020,984
CASH FLOWS FROM INVESTING ACTIVITIES: |  |  |
Purchase of property, equipment and intangible assets | (95,726) | (50,257) | (59,468)
Proceeds on sale of property and equipment | 519 | 221 | 528
Proceeds on disposal of investment securities at FVTOCI | 633,058 | 2,481,230 | 1,091,918
Purchase of investment securities at FVTOCI | (646,215) | (2,620,502) | (1,520,139)
Acquisitions of subsidiaries, net of cash and cash equivalent acquired | 0 | (29,052) |
Net cash outflow from investing activities | (108,364) | (218,360) | (487,161)
CASH FLOWS FROM FINANCING ACTIVITIES: |  |  |
Dividends paid | (646,056) | (560,132) | (210,102)
Dividends paid by subsidiary to non-controlling interest | (12,094) | (8,574) | (2,137)
Purchase of treasury shares | (2,852) | (60,703) | (63,672)
Repayment of debt securities issued | (48,769) | (41,261) |
Repayment of subordinated debt | 0 | (5,300) |
Net cash outflow from financing activities | (709,771) | (675,970) | (275,911)
Effect of changes in foreign exchange rate on cash and cash equivalents | 35,247 | (6,692) | 15,347
NET (DECREASE)/ INCREASE IN CASH AND CASH EQUIVALENTS | (200,996) | 205,106 | 273,259
CASH AND CASH EQUIVALENTS, beginning of period | 820,466 | 615,360 | 342,101
CASH AND CASH EQUIVALENTS, end of period | ₸ 619,470 | ₸ 820,466 | ₸ 615,360

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- Definition General and administrative expenses paid. + References No definition available. + Details
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Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Interest received from loans to customers. + References No definition available. + Details
Name: | kspi_InterestReceivedFromLoansToCustomers
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Net fee revenue received. + References No definition available. + Details
Name: | kspi_NetFeeRevenueReceived
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Other interest received. + References No definition available. + Details
Name: | kspi_OtherInterestReceived
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Proceeds on disposal of investment securities at F V T O C I. + References No definition available. + Details
Name: | kspi_ProceedsOnDisposalOfInvestmentSecuritiesAtFVTOCI
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Purchase of investment securities at F V T O C I. + References No definition available. + Details
Name: | kspi_PurchaseOfInvestmentSecuritiesAtFVTOCI
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Repayment of subordinated debt. + References No definition available. + Details
Name: | kspi_RepaymentOfSubordinatedDebt
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Retail revenue received. + References No definition available. + Details
Name: | kspi_RetailRevenueReceived
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Sales and marketing expenses paid. + References No definition available. + Details
Name: | kspi_SalesAndMarketingExpensesPaid
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Technology and product development expenses paid. + References No definition available. + Details
Name: | kspi_TechnologyAndProductDevelopmentExpensesPaid
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Transaction expenses paid. + References No definition available. + Details
Name: | kspi_TransactionExpensesPaid
Namespace Prefix: | kspi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration