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Consolidated Statements of Cash Flows - KZT (₸)
₸ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Cash flows from (used in) operating activities [abstract]      
Interest received from loans to customers ₸ 843,021 ₸ 598,005 ₸ 465,989
Other interest received 162,428 71,129 46,387
Interest paid (597,046) (454,502) (257,030)
Expenses paid on obligatory insurance of individual deposits (13,751) (10,622) (7,251)
Net fee revenue received 1,287,487 1,002,604 673,289
Retail revenue received 163,134 68,807  
Sales & marketing expenses paid (43,975) (34,753) (24,440)
Other income received 10,714 21,584 27,017
Transaction expenses paid (29,494) (27,470) (22,188)
Cost of goods and services purchased (302,388) (164,372) (78,287)
Technology & product development expenses paid (73,811) (50,892) (38,810)
General & administrative expenses paid (23,746) (16,543) (12,749)
Cash flows from operating activities before changes in operating assets and liabilities 1,382,573 1,002,975 771,927
(Increase)/decrease in operating assets:      
Mandatory cash balances with NBRK (10,197) (4,193) (10,183)
Due from banks (12,002) (4,771) 27,319
Financial assets at FVTPL 3,252 (4,997) 12,396
Loans to customers (1,612,989) (1,132,091) (760,660)
Other assets 781 (5,407) (24,788)
Increase/(decrease) in operating liabilities:      
Due to banks 24,254 (27,590) (60,057)
Customer accounts 1,044,723 1,434,259 1,186,731
Financial liabilities at FVTPL (903) 1,019 (2,261)
Other liabilities (19,540) 28,708 13,982
Cash inflow from operating activities before income tax 799,952 1,287,912 1,154,406
Income tax paid (218,060) (181,784) (133,422)
Net cash inflow from operating activities 581,892 1,106,128 1,020,984
CASH FLOWS FROM INVESTING ACTIVITIES:      
Purchase of property, equipment and intangible assets (95,726) (50,257) (59,468)
Proceeds on sale of property and equipment 519 221 528
Proceeds on disposal of investment securities at FVTOCI 633,058 2,481,230 1,091,918
Purchase of investment securities at FVTOCI (646,215) (2,620,502) (1,520,139)
Acquisitions of subsidiaries, net of cash and cash equivalent acquired 0 (29,052)  
Net cash outflow from investing activities (108,364) (218,360) (487,161)
CASH FLOWS FROM FINANCING ACTIVITIES:      
Dividends paid (646,056) (560,132) (210,102)
Dividends paid by subsidiary to non-controlling interest (12,094) (8,574) (2,137)
Purchase of treasury shares (2,852) (60,703) (63,672)
Repayment of debt securities issued (48,769) (41,261)  
Repayment of subordinated debt 0 (5,300)  
Net cash outflow from financing activities (709,771) (675,970) (275,911)
Effect of changes in foreign exchange rate on cash and cash equivalents 35,247 (6,692) 15,347
NET (DECREASE)/ INCREASE IN CASH AND CASH EQUIVALENTS (200,996) 205,106 273,259
CASH AND CASH EQUIVALENTS, beginning of period 820,466 615,360 342,101
CASH AND CASH EQUIVALENTS, end of period ₸ 619,470 ₸ 820,466 ₸ 615,360