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Revenue | 12 Months Ended
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Dec. 31, 2024
Revenue [abstract] |
Revenue | 4. Revenue Revenue includes fee revenue, interest revenue, retail revenue, rewards and other gains (losses). Rewards earned by retail customers of the Group are deducted from revenue.
|  | 2022 |  |  | 2023 |  |  | 2024 |
REVENUE |  |  | 1,270,592 |  |  |  | 1,913,490 |  |  |  | 2,532,156 |
Fee revenue |  |  | 724,742 |  |  |  | 1,027,545 |  |  |  | 1,329,350 |
Interest revenue |  |  | 574,426 |  |  |  | 833,516 |  |  |  | 1,082,668 |
Retail revenue |  |  | - |  |  |  | 68,807 |  |  |  | 163,134 |
Rewards |  |  | (44,960 | ) |  |  | (39,578 | ) |  |  | (54,225 | )
Other gains (losses) |  |  | 16,384 |  |  |  | 23,200 |  |  |  | 11,229 |
Revenue by segments for the years ended 31 December 2022, 2023 and 2024 is presented below:
|  | 2022 |  |  | 2023 |  |  | 2024 |
Payments |  |  | 333,343 |  |  |  | 478,684 |  |  |  | 587,097 |
Payments fee revenue |  |  | 256,750 |  |  |  | 368,925 |  |  |  | 458,953 |
Interest revenue |  |  | 76,593 |  |  |  | 109,759 |  |  |  | 128,144 |
Marketplace |  |  | 239,609 |  |  |  | 448,223 |  |  |  | 732,943 |
Marketplace fee revenue |  |  | 236,884 |  |  |  | 375,189 |  |  |  | 562,283 |
Retail revenue |  |  | - |  |  |  | 68,807 |  |  |  | 163,134 |
Interest revenue |  |  | - |  |  |  | - |  |  |  | 6,304 |
Other gains |  |  | 2,725 |  |  |  | 4,227 |  |  |  | 1,222 |
Fintech |  |  | 745,023 |  |  |  | 1,026,721 |  |  |  | 1,281,827 |
Interest revenue |  |  | 500,256 |  |  |  | 723,757 |  |  |  | 955,528 |
Fintech fee revenue |  |  | 231,108 |  |  |  | 283,991 |  |  |  | 316,292 |
Other gains (losses) |  |  | 13,659 |  |  |  | 18,973 |  |  |  | 10,007 |
Intergroup |  |  | (2,423 | ) |  |  | (560 | ) |  |  | (15,486 | )
Segment Revenue |  |  | 1,315,552 |  |  |  | 1,953,068 |  |  |  | 2,586,381 |
Rewards |  |  | (44,960 | ) |  |  | (39,578 | ) |  |  | (54,225 | )
REVENUE |  |  | 1,270,592 |  |  |  | 1,913,490 |  |  |  | 2,532,156 |
For the year ended 31 December 2022, intergroup represents Payments interest revenue that was offset by Fintech interest expenses (part of the Fintech costs and operating expenses) due to Fintech loans being partially funded from Payments’ interest free balances. For the year ended 31 December 2023, intergroup represents Marketplace fee revenue that was offset by Marketing expense, for activities to attract consumers of Fintech loans. For the year ended 31 December 2024, intergroup includes interest revenue generated by Marketplace and Payments platforms due to placement of cash to term deposits in the Bank that is offset by interest expenses of Fintech. Other gains (losses) are mainly due to net gains (losses) on foreign exchange operations and net gains (losses) on financial assets and liabilities. For the years ended 31 December 2022, 2023 and 2024, the net gain (losses) on foreign exchange operations were KZT 1,377 million, KZT 10,892 million and KZT (11,983) million, respectively. For the years ended 31 December 2022, 2023 and 2024, the net gain on financial assets and liabilities were KZT 11,471 million, KZT 4,385 million and KZT 21,329 million, respectively. Fee revenue and retail revenue are presented by timing of revenue recognition in the table below:
|  | 2022 |  |  | 2023 |  |  | 2024 |
Goods and services transferred at point in time |  |  | 480,514 |  |  |  | 786,267 |  |  |  | 1,151,887 |
Payments fee revenue - Transaction Revenue |  |  | 243,630 |  |  |  | 342,271 |  |  |  | 426,470 |
Marketplace fee revenue |  |  | 236,884 |  |  |  | 375,189 |  |  |  | 562,283 |
Retail revenue |  |  | - |  |  |  | 68,807 |  |  |  | 163,134 |
Goods and services transferred over time |  |  | 244,228 |  |  |  | 310,645 |  |  |  | 348,775 |
Payments fee revenue - Membership Revenue |  |  | 13,120 |  |  |  | 26,654 |  |  |  | 32,483 |
Fintech fee revenue - Membership Revenue |  |  | 4,568 |  |  |  | 3,249 |  |  |  | 3,432 |
Fintech fee revenue - Fintech banking service fees |  |  | 226,540 |  |  | 280,742 |  |  | 312,860 |
TOTAL FEE AND RETAIL REVENUE |  |  | 724,742 |  |  |  | 1,096,912 |  |  |  | 1,500,662 |

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