LOAN ISSUED (Tables)

12 Months Ended

Mar. 31, 2023

Loans issued as of March 31, 2023, consisted of the following:


	Amount Outstanding		Due Dates	Average Interest Rate		Fair Value of Collateral		Loan Currency

Mortgage loans*	$	534,154	April, 2023 - March, 2048	9.00	%	$	534,154	KZT
Right of claims for purchased retail loans	121,177		January, 2023 - March, 2027	15.00	%	121,177		KZT
Uncollateralized bank customer loans	$	46,970	January, 2023 - March, 2043	25.00	%			KZT
Collateralized Bank customer loans	17,653		May, 2023 - March, 2028	2.00	%	17,636		KZT/RUB
Car loans	$	102,269	April, 2023 - April, 2030	25.00	%	$	102,247	KZT
Subordinated loan	5,039		December, 2025	3.00	%	—		USD
Loans issued to policyholders	$	1,488	June, 2023 - February, 2024	15.00	%	$	1,752	KZT
Other	300		March, 2024 - September, 2029	2.00	%	—		EUR

Allowance for loans issued	(2,792)

Total loans issued	$	826,258

*Fair value of collateral for the mortgage loans is the minimum amount of market value of the pledged immovable property and outstanding loan amount.

Loans issued as of March 31, 2022, consisted of the following:


	Amount Outstanding		Due Dates	Average Interest Rate		Fair Value of Collateral	Loan Currency

Mortgage loans	52,227		April 2022 - March 2047	11.86	%	52,134	KZT
Right of claims for purchased retail loans	35,293		April 2022 - March 2026	15.00	%	35,293	KZT
Uncollateralized bank customer loans	100		April 2022 - March 2047	10.00	%	—	KZT
Subordinated loan	5,033		December 2022-April 2024	4.89	%	—	USD
Subordinated loan	1,256		December 2022-April 2024	7.00	%	—	UAH
Other	123		February 2022-Febraury 2027	2.50	%	—	USD
Loans to policyholders	43		July 2022 - March 2023	12.02	%	284	KZT

Allowance for loans issued	$	(1,629)

Total loans issued (recasted)	$	92,446