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CCBN 2024-12-31 FY — report review

Status: OK — incomplete — unset metrics listed below; Currency: KZT; Amounts unit: millions; Forms: ✓ ✓ ✓

Report published: 2025-01-01

Full financial report: kase_fin_data_source_link_label

kase_fin_data_provenance_note

PDF (local): /home/ubuntu/projects/frontier/data/raw_pdfs/CCBN/2024-12-31_FY_consolidated-financial-statements-for-the-year-ended-31-dece.pdf

To recalculate statement detection and previews from the PDF, use this link The default link runs in the background: a status panel shows phase, elapsed time, rough ETA, CUDA vs CPU, and OOM hints, then loads the finished report. Heavy mode with refresh does this automatically so reverse proxies do not return 502. Add &sync=1 only for one long blocking request (not recommended). You can use ?refresh=1, ?recalc=1, ?nocache=1, or ?recompute=1 on the URL. (block in the browser until done: synchronous refresh)

Metric mapping (value → extracted evidence)

Metric values use dashboard units where applicable; evidence is the stored snippet from the PDF text layer or OCR used during extraction.

Statement pages (discovery)

Statement previews & reconstructed tables

Highlights Yellow row = matched stored evidence label; orange cell = exact number used for that metric (hover row for details). Revenue Operating profit D&A EBITDA Net profit cash debt_short debt_long Assets Equity Operating CF Investing CF

Green / amber / red bars on the label column mark subtotal rows where summed detail lines match the reported total (heuristic). The table under each reconstructed grid lists every check (Σ detail vs reported, status).

P&L

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

P&L — PDF page 8

Camelot table (pages 8, primary page 8).

#	Joined label	Line item	Note	2024	2023
0	ONSOLIDATED STATEMENT OF PROFIT AND LOSS	ONSOLIDATED STATEMENT OF PROFIT AND LOSS
1	FOR THE YEAR ENDED 31 DECEMBER 2024	FOR THE YEAR ENDED 31 DECEMBER 2024
2	(in millions of Kazakhstani tenge, except for earnings per share expressed in tenge)	(in millions of Kazakhstani tenge, except for earnings per share expressed in tenge)
3	Year ended Year ended			Year ended	Year ended
4	31 December 31 December			31 December	31 December
5	Note 2024 2023		Note	2024	2023
6	Interest income calculated using the effective interest rate method 732,749 528,744	Interest income calculated using the effective interest rate method		732,749	528,744
7	Other interest income 6,095 3,660	Other interest income		6,095	3,660
8	Interest expense (380,462) (274,853)	Interest expense		(380,462)	(274,853)
9	Net interest income before expected credit loss allowance on interest-	Net interest income before expected credit loss allowance on interest-
10	bearing assets 6 358,382 257,551	bearing assets	6	358,382	257,551
11	Expected credit loss allowance on loans to customers and banks 7 (56,592) (43,075)	Expected credit loss allowance on loans to customers and banks	7	(56,592)	(43,075)
12	Net interest income 301,790 214,476	Net interest income		301,790	214,476
13	Fee and commission income 8 76,139 86,509	Fee and commission income	8	76,139	86,509
14	Fee and commission expense 8 (37,405) (45,134)	Fee and commission expense	8	(37,405)	(45,134)
15	Net fee and commission income 38,734 41,375	Net fee and commission income		38,734	41,375
16	Net gain on financial instruments at fair value through profit or loss 9 7,938 9,270	Net gain on financial instruments at fair value through profit or loss	9	7,938	9,270
17	Net gain on sale and repayment of financial assets measured at fair value	Net gain on sale and repayment of financial assets measured at fair value
18	through other comprehensive income 1,935 882	through other comprehensive income		1,935	882
19	Net foreign exchange gain 10 92,605 45,598	Net foreign exchange gain	10	92,605	45,598
20	Expected credit loss allowance on other financial assets and due from	Expected credit loss allowance on other financial assets and due from

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

P&L — PDF page 9

Camelot table (pages 9, primary page 9).

#	Joined label	Line item	Note	2024	2023
0	Year ended Year ended			Year ended	Year ended
1	31 December 31 December			31 December	31 December
2	Note 2024 2023		Note	2024	2023
3	Operating income 438,030 283,348	Operating income		438,030	283,348
4	Operating expenses 11 (183,230) (123,091)	Operating expenses	11	(183,230)	(123,091)
5	Operating income before income tax 254,800 160,257	Operating income before income tax		254,800	160,257
6	Income tax expense 12 (52,381) (25,011)	Income tax expense	12	(52,381)	(25,011)
7	Profit for the year 202,419 135,246	Profit for the year		202,419	135,246
8	Profit attributable to:	Profit attributable to:
9	Equity holders of the Bank 202,026 135,061	Equity holders of the Bank		202,026	135,061
10	Non-controlling interests 393 185	Non-controlling interests		393	185
11	Earnings per share	Earnings per share
12	Basic (KZT) 13 1,085.13 730.46	Basic (KZT)	13	1,085.13	730.46
13	Diluted (KZT) 13 1,085.26 730.46	Diluted (KZT)	13	1,085.26	730.46

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

BS

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

BS — PDF page 13

Camelot table (pages 13, primary page 13).

#	Joined label	1 January 2024	Share → capital	Fair value → reserve	Property → revaluation	Retained → earnings	Total equity → attributable to	Non- → controlling	Total → equity
0	Total equity						Total equity
1	Property attributable to Non-				Property		attributable to	Non-
2	Share Fair value revaluation Retained owners of the controlling Total		Share	Fair value	revaluation	Retained	owners of the	controlling	Total
3	capital reserve reserve earnings Bank interests equity		capital	reserve	reserve	earnings	Bank	interests	equity
4	Balance at 1 January 2024 64,498 (14,315) 2,030 366,527 418,740 626 419,366	Balance at 1 January 2024	64,498	(14,315)	2,030	366,527	418,740	626	419,366
5	Total comprehensive income	Total comprehensive income
6	Profit for the period - - - 202,026 202,026 393 202,419	Profit for the period	-	-	-	202,026	202,026	393	202,419
7	Other comprehensive income	Other comprehensive income
8	Items that are or may be reclassified subsequently to profit or loss:	Items that are or may be reclassified subsequently to profit or loss:
9	Net change in fair value of debt investments measured at fair value	Net change in fair value of debt investments measured at fair value
10	through other comprehensive income - 16,717 - - 16,717 - 16,717	through other comprehensive income	-	16,717	-	-	16,717	-	16,717
11	Total items that are or may be reclassified subsequently to profit or loss - 16,717 - - 16,717 - 16,717	Total items that are or may be reclassified subsequently to profit or loss	-	16,717	-	-	16,717	-	16,717
12	Items that will not be reclassified to profit or loss in subsequent periods:	Items that will not be reclassified to profit or loss in subsequent periods:

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

BS — PDF page 14

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 14 (15 rows). Blank amount cells are normal for section headers and line-wrapped captions; 0 from OCR on those rows is not a reported financial zero. Amounts follow the PDF header (often thousands of currency).

#	Joined label	Column 2	Column 3	Column 4	Column 5	Column 6	Column 7	Column 8
0	JOINT STOCK COMPANY BANK CENTERCREDIT
1	CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
2	FOR THE YEAR ENDED 31 DECEMBER 2024
3	(inmillions of_Kazakhstani_tenge_unless otherwise stated
4	Other movements in equity
5	Transfer of the amount from revaluation of equity investments measured
6	at fair value through other comprehensive income				9
7	Transfer of the amount from revaluation resulting from depreciation and
8	disposal	0	0	660	660	0	0	0
9	Total other movements in equity	0	-9	660	669	0	0	0
10	Transactions with owners recorded directly in equity
11	Repurchase of shares (Note 26)	385	0	0	0	-385	0	385
12	Dividends on preference shares to non-controlling interest	0	0	0	0	0	2	2
13	Total transactions with owners	385	0	0	0	385	2	-387
14	Balance at 31 December 2024	64113	2165	1370	569222	636870	1017	637887

CF

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

CF — PDF page 14

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 14 (15 rows). Blank amount cells are normal for section headers and line-wrapped captions; 0 from OCR on those rows is not a reported financial zero. Amounts follow the PDF header (often thousands of currency).

#	Joined label	Column 2	Column 3	Column 4	Column 5	Column 6	Column 7	Column 8
0	JOINT STOCK COMPANY BANK CENTERCREDIT
1	CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
2	FOR THE YEAR ENDED 31 DECEMBER 2024
3	(inmillions of_Kazakhstani_tenge_unless otherwise stated
4	Other movements in equity
5	Transfer of the amount from revaluation of equity investments measured
6	at fair value through other comprehensive income				9
7	Transfer of the amount from revaluation resulting from depreciation and
8	disposal	0	0	660	660	0	0	0
9	Total other movements in equity	0	-9	660	669	0	0	0
10	Transactions with owners recorded directly in equity
11	Repurchase of shares (Note 26)	385	0	0	0	-385	0	385
12	Dividends on preference shares to non-controlling interest	0	0	0	0	0	2	2
13	Total transactions with owners	385	0	0	0	385	2	-387
14	Balance at 31 December 2024	64113	2165	1370	569222	636870	1017	637887

CF — PDF page 15

Camelot table (pages 15, primary page 15).

#	Joined label	Line item	31 December 2024	31 December 2023
0	JOINT STOCK COMPANY BANK CENTERCREDIT	JOINT STOCK COMPANY BANK CENTERCREDIT
1	C ONSOLIDATED STATEMENT OF CASH FLOWS	C ONSOLIDATED STATEMENT OF CASH FLOWS
2	FOR THE YEAR ENDED 31 DECEMBER 2024	FOR THE YEAR ENDED 31 DECEMBER 2024
3	(in millions of Kazakhstani tenge unless otherwise stated)	(in millions of Kazakhstani tenge unless otherwise stated)
4	Year ended Year ended		Year ended	Year ended
5	31 December 2024 31 December 2023		31 December 2024	31 December 2023
Operating activities
6	CASH FLOWS FROM OPERATING ACTIVITIES	CASH FLOWS FROM OPERATING ACTIVITIES
7	Interest received 687,517 499,122	Interest received	687,517	499,122
8	Interest paid (357,213) (265,243)	Interest paid	(357,213)	(265,243)
9	Services fee and commission received 75,326 85,746	Services fee and commission received	75,326	85,746
10	Services fee and commission paid (36,949) (44,181)	Services fee and commission paid	(36,949)	(44,181)
11	Net proceeds from derivative instrument transactions 3,727 10,238	Net proceeds from derivative instrument transactions	3,727	10,238
12	Net foreign exchange gain 86,443 39,905	Net foreign exchange gain	86,443	39,905
13	Other expenses/(income) payments/(receipts) (2,125) 2,396	Other expenses/(income) payments/(receipts)	(2,125)	2,396
14	Operating expenses paid (147,735) (111,223)	Operating expenses paid	(147,735)	(111,223)
15	Cash flow from operating activities before changes in operating assets and	Cash flow from operating activities before changes in operating assets and
16	liabilities 308,991 216,760	liabilities	308,991	216,760
17	Change in operating assets:	Change in operating assets:
18	Financial instruments measured at fair value through profit or loss (37,311) (19,130)	Financial instruments measured at fair value through profit or loss	(37,311)	(19,130)
19	Cash flow from operating activities before changes in operating assets and	Cash flow from operating activities before changes in operating assets and
20	liabilities 308,991 216,760	liabilities	308,991	216,760
21	Change in operating assets:	Change in operating assets:
22	Financial instruments measured at fair value through profit or loss (37,311) (19,130)	Financial instruments measured at fair value through profit or loss	(37,311)	(19,130)
23	Due from banks (54,146) (8,471)	Due from banks	(54,146)	(8,471)
24	Loans to customers and banks (929,826) (915,585)	Loans to customers and banks	(929,826)	(915,585)
25	Other assets (6,552) (8,866)	Other assets	(6,552)	(8,866)
26	Change in operating liabilities:	Change in operating liabilities:
27	Due to banks and financial institutions 106,494 22,590	Due to banks and financial institutions	106,494	22,590
28	Customer accounts 1,224,278 768,065	Customer accounts	1,224,278	768,065
29	Other liabilities (19,350) 20,529	Other liabilities	(19,350)	20,529
30	Cash flows from operating activities before tax 592,578 75,892	Cash flows from operating activities before tax	592,578	75,892
31	Change in operating liabilities:	Change in operating liabilities:
32	Due to banks and financial institutions 106,494 22,590	Due to banks and financial institutions	106,494	22,590
33	Customer accounts 1,224,278 768,065	Customer accounts	1,224,278	768,065
34	Other liabilities (19,350) 20,529	Other liabilities	(19,350)	20,529
35	Cash flows from operating activities before tax 592,578 75,892	Cash flows from operating activities before tax	592,578	75,892
36	Income tax paid (43,255) (40,226)	Income tax paid	(43,255)	(40,226)
37	Net cash flows from operating activities 549,323 35,666	Net cash flows from operating activities	549,323	35,666
Investing activities
38	CASH FLOWS FROM INVESTING ACTIVITIES	CASH FLOWS FROM INVESTING ACTIVITIES
39	Cash and cash equivalents acquired due to business combination - 1,758	Cash and cash equivalents acquired due to business combination	-	1,758
40	Acquisition of subsidiary - (3,982)	Acquisition of subsidiary	-	(3,982)
41	Proceeds from repayment and sale of investment securities 657,504 3,985,421	Proceeds from repayment and sale of investment securities	657,504	3,985,421
42	Acquisition of investment securities (969,700) (3,740,266)	Acquisition of investment securities	(969,700)	(3,740,266)
43	Acquisition of property, plant and equipment and intangible assets (35,930) (17,193)	Acquisition of property, plant and equipment and intangible assets	(35,930)	(17,193)
44	Proceeds from sale of property, plant and equipment 2,829 726	Proceeds from sale of property, plant and equipment	2,829	726
45	Net cash (used in)/from investing activities (345,297) 226,464	Net cash (used in)/from investing activities	(345,297)	226,464

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

Formulas used

• Net debt: debt_short + debt_long + other_financial_liabilities + non_controlling_interest − cash (mln); [DeepSeek] net_debt (mln KZT, batch apply)
• EBITDA: computed as operating_profit + D&A (D&A not split out in source → 0)