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Customer Accounts
12 Months Ended
Dec. 31, 2024
Customer Accounts Disclosure [Abstract]  
Customer Accounts
16.
Customer accounts

 

 

2023

 

 

2024

 

Individuals

 

 

 

 

 

 

Term deposits

 

 

4,316,825

 

 

 

5,328,125

 

Current accounts

 

 

826,328

 

 

 

921,913

 

Total due to individuals

 

 

5,143,153

 

 

 

6,250,038

 

 

 

 

 

 

 

 

Corporate customers

 

 

 

 

 

 

Term deposits

 

 

44,233

 

 

 

106,010

 

Current accounts

 

 

254,070

 

 

 

205,902

 

 

 

 

 

 

 

 

Total due to corporate customers

 

298,303

 

 

 

311,912

 

 

 

 

 

 

 

 

Total customer accounts

 

 

5,441,456

 

 

 

6,561,950

 

 

As at 31 December 2023 and 2024, accrued interest of KZT 44,044 million and KZT 51,212 million, respectively, was included in term deposits within customer accounts.

As at 31 December 2023 and 2024, customer accounts of KZT 60,260 million and KZT 83,654 million, respectively, were held as prepayments on loans to customers.

As at 31 December 2023 and 2024, customer accounts of KZT 97,806 million (1.80% of total customer accounts) and KZT 76,413 million (1.16% of total customer accounts), respectively, were due to the top twenty customers.

As at 31 December 2023 and 2024, customer accounts were predominately denominated in KZT, comprising 91% and 91%, respectively.