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Provision Expense - Summary of Movements in Loss Allowance (Details) - KZT (₸) ₸ in Millions | 12 Months Ended
--- | ---
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] |  |  |
Loss Allowance | ₸ 249,644 | ₸ 223,282 | ₸ 149,092
Transfers | 41,013 | 35,883 | 25,204
New assets issued | 86,237 | 75,105 | 65,898
Repaid assets (except for write off) | (46,927) | (51,875) | (44,327)
Modification effect | 33,634 | 20,521 | 8,435
Total effect on Consolidated Statements of Profit or Loss | 113,957 | 79,634 | 55,210
Write-off, net of recoveries | (57,952) | (53,269) | 18,949
Foreign exchange difference | (9) | (3) | 31
Loss Allowance | 305,640 | 249,644 | 223,282
Financial assets at FVTOCI | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 114 | 82 | 130
Transfers | 195 | 5 | 3
New assets issued | 142 | 28 | 10
Repaid assets (except for write off) |  |  | (58)
Total effect on Consolidated Statements of Profit or Loss | 337 | 33 | (45)
Loss Allowance | 451 | 114 | 82
Financial assets at FVTOCI | Stage 2 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 158 | 656 |
Transfers | (18) | 31 | 653
Total effect on Consolidated Statements of Profit or Loss | (18) | 31 | 653
Loss Allowance | 140 | 158 | 656
Financial assets at FVTOCI | Stage 3 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 1,136 |  | 2,662
Transfers | (549) | 606 |
Total effect on Consolidated Statements of Profit or Loss | (549) | 606 |
Reclassification of financial assets |  |  | (2,662)
Loss Allowance | 587 | 1,136 |
Financial assets at FVTOCI | Transfer to Stage 2 | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers |  | (1) | (3)
Financial assets at FVTOCI | Transfer to Stage 2 | Stage 2 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers |  | 1 | 3
Financial assets at FVTOCI | Transfer to Stage 3 | Stage 2 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers |  | (530) |
Financial assets at FVTOCI | Transfer to Stage 3 | Stage 3 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers |  | 530 |
Loans to Customers |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 261 |  |
Transfers | 1,924 | 261 |
Total effect on Consolidated Statements of Profit or Loss | 1,924 | 261 |
Loss Allowance | 2,185 | 261 |
Loans to Customers | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 59,939 | 67,604 | 64,043
Transfers | (27,598) | (25,885) | (14,545)
New assets issued | 86,095 | 75,077 | 65,888
Repaid assets (except for write off) | (32,139) | (37,258) | (30,502)
Total effect on Consolidated Statements of Profit or Loss | 26,358 | 11,934 | 20,841
Loss Allowance | 77,521 | 59,939 | 67,604
Loans to Customers | Stage 2 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 16,290 | 11,785 | 10,582
Transfers | (1,896) | (2,531) | 4,429
Repaid assets (except for write off) | (1,455) | (1,955) | (2,282)
Total effect on Consolidated Statements of Profit or Loss | (3,351) | (4,486) | 2,147
Loss Allowance | 22,378 | 16,290 | 11,785
Loans to Customers | Stage 3 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 166,042 | 135,313 | 67,791
Transfers | 65,061 | 61,320 | 33,307
Repaid assets (except for write off) | (13,333) | (12,662) | (11,485)
Modification effect | 33,634 | 20,521 | 8,435
Total effect on Consolidated Statements of Profit or Loss | 85,362 | 69,179 | 30,257
Write-off, net of recoveries | (56,973) | (49,055) | 19,029
Foreign exchange difference | (9) | (3) | 12
Loss Allowance | 193,759 | 166,042 | 135,313
Loans to Customers | Transfer to Stage 1 | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | 27,424 | 15,923 | 3,544
Loans to Customers | Transfer to Stage 1 | Stage 2 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | (3,919) | (1,448) | (1,138)
Loans to Customers | Transfer to Stage 1 | Stage 3 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | (23,505) | (14,475) | (2,406)
Loans to Customers | Transfer to Stage 2 | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | (11,051) | (10,396) | (6,970)
Loans to Customers | Transfer to Stage 2 | Stage 2 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | 20,608 | 16,184 | 7,208
Loans to Customers | Transfer to Stage 2 | Stage 3 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | (9,557) | (5,788) | (238)
Loans to Customers | Transfer to Stage 3 | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | (25,149) | (25,126) | (13,854)
Loans to Customers | Transfer to Stage 3 | Stage 2 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | (7,250) | (5,745) | (7,014)
Loans to Customers | Transfer to Stage 3 | Stage 3 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Transfers | 32,399 | 30,871 | 20,868
Due from Banks | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 6 | 6 | 19
Transfers | 1 |  | (14)
Total effect on Consolidated Statements of Profit or Loss | 1 |  | (14)
Foreign exchange difference |  |  | 1
Loss Allowance | 7 | 6 | 6
Cash and cash equivalents | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 23 | 3 | 1
Transfers | 19 | 20 | 2
Total effect on Consolidated Statements of Profit or Loss | 19 | 20 | 2
Loss Allowance | 42 | 23 | 3
Other assets | Stage 3 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 5,640 | 7,794 | 3,846
Transfers | 3,909 | 2,060 | 1,348
Total effect on Consolidated Statements of Profit or Loss | 3,909 | 2,060 | 1,348
Write-off, net of recoveries | (979) | (4,214) | (80)
Reclassification of financial assets |  |  | 2,662
Foreign exchange difference |  |  | 18
Loss Allowance | 8,570 | 5,640 | 7,794
Contingencies | Stage 1 |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Loss Allowance | 35 | 39 | 18
Transfers | (35) | (4) | 21
Total effect on Consolidated Statements of Profit or Loss | ₸ (35) | (4) | 21
Loss Allowance |  | ₸ 35 | ₸ 39

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