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Risk management policy - Schedule of Financial Assets and Liabilities Liquidity and Interest Rate Risks (Details) - KZT (₸)
₸ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Disclosure of detailed information about financial instruments [line items]        
Cash and cash equivalents ₸ 619,470,000 ₸ 820,466,000 ₸ 615,360,000 ₸ 342,101,000
Mandatory cash balances with National Bank of the Republic of Kazakhstan 57,307,000 47,110,000    
Due from banks 37,908,000 30,683,000    
Investment securities 1,506,831,000 1,377,772,000    
Other financial assets 37,053,000 46,295,000    
Total financial assets 7,997,909,000 6,553,522,000    
Due to banks 24,474,000 154,000    
Customer accounts 1,189      
Debt securities issued 51,050,000 99,468,000 ₸ 140,378,000  
Subordinated debt 62,416,000 62,369,000    
Derivative financial liabilities 262,000 1,165,000    
Other financial liabilities 41,708,000 68,721,000    
Total financial liabilities 6,741,598,000 5,673,333,000    
Guarantees issued and similar commitments 5,956,000 5,103,000    
Total financial liabilities and commitments 6,747,554,000 5,678,436,000    
Interest Bearing        
Disclosure of detailed information about financial instruments [line items]        
Cash and cash equivalents 230,757,000 409,295,000    
Due from banks 37,908,000 30,683,000    
Investment securities 1,489,205,000 1,376,728,000    
Loans to consumers 5,746,600,000 4,235,957,000    
Total financial assets 7,662,426,000 6,052,663,000    
Due to banks 24,474,000 154,000    
Customer accounts 5,434,135,000 4,367,837,000    
Debt securities issued 51,050,000 99,468,000    
Subordinated debt 62,416,000 62,369,000    
Total financial liabilities 5,572,075,000 4,529,828,000    
Non-interest bearing        
Disclosure of detailed information about financial instruments [line items]        
Cash and cash equivalents 388,713,000 411,171,000    
Mandatory cash balances with National Bank of the Republic of Kazakhstan 57,307,000 47,110,000    
Derivative financial assets 17,149,000 642,000    
Investment securities 477,000 402,000    
Other financial assets 29,793,000 41,534,000    
Total financial assets 335,483,000 500,859,000    
Customer accounts 1,127,815,000 1,073,619,000    
Derivative financial liabilities 262,000 1,165,000    
Other financial liabilities 41,446,000 68,721,000    
Total financial liabilities 1,169,523,000 1,143,505,000    
Up to 1 Month        
Disclosure of detailed information about financial instruments [line items]        
Total financial assets 1,349,289,000 1,616,647,000    
Total financial liabilities 1,920,552,000 1,560,924,000    
Guarantees issued and similar commitments 250,000 457,000    
Total financial liabilities and commitments 1,920,802,000 1,561,381,000    
Liquidity surplus (gap) (571,513,000) 55,266,000    
Cumulative liquidity surplus/ (gap) (571,513,000) 55,266,000    
Interest sensitivity surplus/ (gap) 278,846,000 698,030,000    
Cumulative interest sensitivity surplus/ (gap) 278,846,000 698,030,000    
Up to 1 Month | Interest Bearing        
Disclosure of detailed information about financial instruments [line items]        
Cash and cash equivalents 230,757,000 331,907,000    
Due from banks 2,267,000 896,000    
Investment securities 153,419,000 371,756,000    
Loans to consumers 485,611,000 411,868,000    
Total financial assets 1,030,004,000 1,116,427,000    
Due to banks 24,474,000 154,000    
Customer accounts 672,334,000 364,505,000    
Debt securities issued 51,050,000 50,481,000    
Subordinated debt 3,300,000 3,257,000    
Total financial liabilities 751,158,000 418,397,000    
Up to 1 Month | Non-interest bearing        
Disclosure of detailed information about financial instruments [line items]        
Cash and cash equivalents 388,707,000 411,171,000    
Mandatory cash balances with National Bank of the Republic of Kazakhstan 57,307,000 47,110,000    
Derivative financial assets 1,011,000 37,000    
Investment securities 417,000 368,000    
Other financial assets 29,793,000 41,534,000    
Total financial assets 319,285,000 500,220,000    
Customer accounts 1,127,815,000 1,073,619,000    
Derivative financial liabilities 133,000 187,000    
Other financial liabilities 41,446,000 68,721,000    
Total financial liabilities 1,169,394,000 1,142,527,000    
1 month to 3 months        
Disclosure of detailed information about financial instruments [line items]        
Total financial assets 814,425,000 724,302,000    
Total financial liabilities 970,821,000 852,024,000    
Guarantees issued and similar commitments 32,000 100,000    
Total financial liabilities and commitments 970,853,000 852,124,000    
Liquidity surplus (gap) (156,428,000) (127,822,000)    
Cumulative liquidity surplus/ (gap) (727,941,000) (72,556,000)    
Interest sensitivity surplus/ (gap) (158,607,000) (127,795,000)    
Cumulative interest sensitivity surplus/ (gap) 120,239,000 570,235,000    
1 month to 3 months | Interest Bearing        
Disclosure of detailed information about financial instruments [line items]        
Cash and cash equivalents 6,000 77,388,000    
Due from banks 2,315,000 1,614,000    
Investment securities 81,250,000 54,521,000    
Loans to consumers 728,514,000 590,174,000    
Total financial assets 812,085,000 723,697,000    
Customer accounts 970,692,000 851,492,000    
Total financial liabilities 970,692,000 851,492,000    
1 month to 3 months | Non-interest bearing        
Disclosure of detailed information about financial instruments [line items]        
Derivative financial assets 2,340,000 605,000    
Total financial assets 2,340,000 605,000    
Derivative financial liabilities 129,000 532,000    
Total financial liabilities 129,000 532,000    
3 months to 1 year        
Disclosure of detailed information about financial instruments [line items]        
Total financial assets 2,641,343,000 1,861,402,000    
Total financial liabilities 3,797,455,000 3,081,884,000    
Guarantees issued and similar commitments 423,000      
Total financial liabilities and commitments 3,797,878,000 3,081,884,000    
Liquidity surplus (gap) (1,156,535,000) (1,220,482,000)    
Cumulative liquidity surplus/ (gap) (1,884,476,000) (1,293,038,000)    
Interest sensitivity surplus/ (gap) (1,163,238,000) (1,220,482,000)    
Cumulative interest sensitivity surplus/ (gap) (1,042,999,000) (650,247,000)    
3 months to 1 year | Interest Bearing        
Disclosure of detailed information about financial instruments [line items]        
Due from banks 33,016,000 25,894,000    
Investment securities 358,229,000 108,440,000    
Loans to consumers 2,242,972,000 1,727,068,000    
Total financial assets 2,634,217,000 1,861,402,000    
Customer accounts 3,738,339,000 3,081,866,000    
Subordinated debt 59,116,000 18,000    
Total financial liabilities 3,797,455,000 3,081,884,000    
3 months to 1 year | Non-interest bearing        
Disclosure of detailed information about financial instruments [line items]        
Derivative financial assets 7,126,000      
Total financial assets 7,126,000      
1 year to 5 years        
Disclosure of detailed information about financial instruments [line items]        
Total financial assets 2,673,615,000 1,965,221,000    
Total financial liabilities 46,994,000 172,583,000    
Guarantees issued and similar commitments 5,251,000 4,546,000    
Total financial liabilities and commitments 52,245,000 177,129,000    
Liquidity surplus (gap) 2,621,370,000 1,788,092,000    
Cumulative liquidity surplus/ (gap) 736,894,000 495,054,000    
Interest sensitivity surplus/ (gap) 2,619,949,000 1,793,084,000    
Cumulative interest sensitivity surplus/ (gap) 1,576,950,000 1,142,837,000    
1 year to 5 years | Interest Bearing        
Disclosure of detailed information about financial instruments [line items]        
Due from banks 310,000 2,279,000    
Investment securities 627,589,000 629,089,000    
Loans to consumers 2,039,044,000 1,333,853,000    
Total financial assets 2,666,943,000 1,965,221,000    
Customer accounts 46,994,000 64,056,000    
Debt securities issued   48,987,000    
Subordinated debt   59,094,000    
Total financial liabilities 46,994,000 172,137,000    
1 year to 5 years | Non-interest bearing        
Disclosure of detailed information about financial instruments [line items]        
Derivative financial assets 6,672,000      
Total financial assets 6,672,000      
Derivative financial liabilities   446,000    
Total financial liabilities   446,000    
Over 5 years        
Disclosure of detailed information about financial instruments [line items]        
Total financial assets 519,237,000 385,950,000    
Total financial liabilities 5,776,000 5,918,000    
Total financial liabilities and commitments 5,776,000 5,918,000    
Liquidity surplus (gap) 513,461,000 380,032,000    
Cumulative liquidity surplus/ (gap) 1,250,355,000 875,086,000    
Interest sensitivity surplus/ (gap) 513,401,000 379,998,000    
Cumulative interest sensitivity surplus/ (gap) 2,090,351,000 1,522,835,000    
Over 5 years | Interest Bearing        
Disclosure of detailed information about financial instruments [line items]        
Investment securities 268,718,000 212,922,000    
Loans to consumers 250,459,000 172,994,000    
Total financial assets 519,177,000 385,916,000    
Customer accounts 5,776,000 5,918,000    
Total financial liabilities 5,776,000 5,918,000    
Over 5 years | Non-interest bearing        
Disclosure of detailed information about financial instruments [line items]        
Investment securities 60,000 34,000    
Total financial assets ₸ 60,000 ₸ 34,000