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Consolidated Statements of Profit or Loss - KZT (₸)
₸ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Profit or loss [abstract]      
REVENUE ₸ 2,532,156 ₸ 1,913,490 ₸ 1,270,592
Net fee revenue 1,275,125 987,967 679,782
Interest revenue 1,082,668 833,516 574,426
Retail revenue 163,134 68,807  
Other gains/(losses) 11,229 23,200 16,384
COSTS AND OPERATING EXPENSES (1,249,867) (891,486) (550,018)
Interest expenses (616,116) (478,010) (278,676)
Transaction expenses (29,494) (27,470) (22,188)
Cost of goods and services (303,858) (166,356) (82,747)
Technology & product development (109,553) (88,657) (60,807)
Sales & marketing (43,990) (21,891) (25,618)
General & administrative expenses (32,899) (29,468) (24,772)
Provision expenses (113,957) (79,634) (55,210)
NET INCOME BEFORE TAX 1,282,289 1,022,004 720,574
Income tax (225,455) (173,234) (131,730)
NET INCOME 1,056,834 848,770 588,844
Attributable to:      
Shareholders of the Company 1,039,739 841,351 585,026
Non-controlling interest 17,095 7,419 3,818
NET INCOME ₸ 1,056,834 ₸ 848,770 ₸ 588,844
Earnings per share      
Basic (KZT) ₸ 5,477 ₸ 4,431 ₸ 3,051
Diluted (KZT) ₸ 5,431 ₸ 4,381 ₸ 3,016