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HALYK 2024-12-31 FY — report review

Status: OK — неполно — см. пустые метрики ниже; Currency: KZT; Amounts unit: millions; Forms: ✓ ✓ ✓

Дата публикации отчёта: Не сохранена для этого периода — укажите financial_report_date в строке (EDGAR filingDate, KASE change_date или manual_catalog).

Full financial report: Отчёт (PDF)

PDF: Открыть PDF отчёта (первичный документ)

Чтобы заново выполнить поиск форм и превью из PDF, откройте эту ссылку Основная ссылка запускает пересчёт в фоне: панель статуса, затем готовая страница. Тяжёлый режим с refresh по умолчанию тоже в фоне (иначе прокси даёт 502). &sync=1 — только для одного долгого синхронного ответа (не рекомендуется). Можно ?refresh=1, ?recalc=1, ?nocache=1 или ?recompute=1. (дождаться в браузере: синхронное обновление)

По умолчанию — быстрый просмотр (таблица метрик и номера страниц форм), чтобы прокси не отваливался по таймауту. Полные превью и таблицы — ?heavy=1.

Сопоставление метрик (значение → evidence)

Значения метрик приведены к единицам дашборда, где это применимо; в колонке evidence — сохранённый фрагмент из текстового слоя PDF или OCR на этапе извлечения.

Структура чистого долга (аренда включена, IFRS 16)

Чистый долг / EBITDA LTM: 0.0x

Statement pages (discovery)

Ниже — последняя полная реконструкция форм (сканы PDF + таблицы + проверки субитогов), сохранённая после запуска с ?heavy=1. Откройте тяжёлый режим, чтобы пересчитать, если менялись PDF, discovery или извлечение. полные превью и таблицы (?heavy=1).

Превью страниц и восстановленные таблицы

Подсветка Жёлтая строка — совпадение с evidence; оранжевая ячейка — точное число, взятое для метрики (наведите на строку). Выручка Опер. прибыль Аморт. и износ EBITDA Чистая прибыль cash debt_short debt_long Активы Капитал Операц. ДДС Инвест. ДДС

Зелёная / янтарная / красная полоса у подписи строки — итог/субитог, где сумма детальных строк сравнивается с числом в отчёте (эвристика). Под каждой таблицей — список проверок (Σ строк vs отчёт, статус).

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 125

Camelot table (pages 125, primary page 125).

#	Joined label	Line item	notes	31 December 2024	31 December 2023	Deferred tax liability → Provisions	notes	31 December 2024	31 December 2023
0	Consolidated Statement of financial position as at 31 December 2024 and 2023 (millions of kazakhstani tenge)	Consolidated Statement of financial position as at 31 December 2024 and 2023 (millions of kazakhstan
1	notes 31 December 2024 31 December 2023 notes 31 December 2024 31 December 2023		notes	31 December 2024	31 December 2023		notes	31 December 2024	31 December 2023
2	ASSETS Deferred tax liability 21 22,024 59,799	ASSETS				Deferred tax liability	21	22,024	59,799
3	Cash and cash equivalents 5 1,473,802 1,377,315 Provisions 24 10,964 11,695	Cash and cash equivalents	5	1,473,802	1,377,315	Provisions	24	10,964	11,695
4	Obligatory reserves 6 306,330 244,866 Insurance contract liabilities 16 430,320 273,065	Obligatory reserves	6	306,330	244,866	Insurance contract liabilities	16	430,320	273,065
5	Financial assets at fair value through profit or loss 7 822,817 589,362 Reinsurance contract liabilities - 5,321	Financial assets at fair value through profit or loss	7	822,817	589,362	Reinsurance contract liabilities		-	5,321
6	Amounts due from credit institutions 8 156,966 171,754 Other liabilities 22 299,931 242,756	Amounts due from credit institutions	8	156,966	171,754	Other liabilities	22	299,931	242,756
7	Financial assets at fair value through other comprehensive income 9 2,924,760 2,425,902 Total liabilities before liabilities directly attributable to assets held	Financial assets at fair value through other comprehensive income	9	2,924,760	2,425,902	Total liabilities before liabilities directly attributable to assets held
8	15,480,365 12,958,992							15,480,365	12,958,992
9	for sale					for sale
10	Debt securities at amortised cost, net of allowance for expected	Debt securities at amortised cost, net of allowance for expected
11	10 766,937 725,343		10	766,937	725,343
12	credit losses Liabilities directly attributable to assets held for sale 15 - 58,422	credit losses				Liabilities directly attributable to assets held for sale	15	-	58,422
13	Loans to customers 11, 37 11,465,649 9,284,872 total liabilities 15,480,365 13,017,414	Loans to customers	11, 37	11,465,649	9,284,872	total liabilities		15,480,365	13,017,414
14	Investment property 12 37,822 47,326 eQuity	Investment property	12	37,822	47,326	eQuity
15	Commercial property 13 57,378 74,882 Share capital 23 209,027 209,027	Commercial property	13	57,378	74,882	Share capital	23	209,027	209,027
16	Current income tax assets 21 3,506 7,956 Share premium reserve 8,769 8,667	Current income tax assets	21	3,506	7,956	Share premium reserve		8,769	8,667
17	Deferred tax assets 21 418 351 Treasury shares 23 (263,625) (258,514)	Deferred tax assets	21	418	351	Treasury shares	23	(263,625)	(258,514)
18	Property and equipment and intangible assets 14 285,299 226,170 Share-based payment reserve 10,000 -	Property and equipment and intangible assets	14	285,299	226,170	Share-based payment reserve		10,000	-
19	Insurance contract assets 16 2,314 10,289 Retained earnings and other reserves 3,103,866 2,517,764	Insurance contract assets	16	2,314	10,289	Retained earnings and other reserves		3,103,866	2,517,764
20	Reinsurance contract assets 38,400 22,776 Total equity attributable to owners of the Group 3,068,037 2,476,944	Reinsurance contract assets		38,400	22,776	Total equity attributable to owners of the Group		3,068,037	2,476,944
21	Other assets 17, 37 197,183 173,662 Non-controlling interest 12 10	Other assets	17, 37	197,183	173,662	Non-controlling interest		12	10
22	Total assets before assets classified as held for sale 18,539,581 15,382,826 total equity 3,068,049 2,476,954	Total assets before assets classified as held for sale		18,539,581	15,382,826	total equity		3,068,049	2,476,954
23	Assets classified as held for sale 15 8,833 111,542	Assets classified as held for sale	15	8,833	111,542
24	totAl liABilitieS AnD eQuity 18,548,414 15,494,368					totAl liABilitieS AnD eQuity		18,548,414	15,494,368
25	totAl ASSetS 18,548,414 15,494,368	totAl ASSetS		18,548,414	15,494,368

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 126

Camelot table (pages 126, primary page 126).

#	Joined label	Line item	notes	31 December 2024	31 December 2023	Insurance service expense → Finan…	notes	31 December 2024	31 December 2023
0	Consolidated Statement of profit or loss for the years ended 31 December 2024 and 2023 (millions of kazakhstani tenge)	Consolidated Statement of profit or loss for the years ended 31 December 2024 and 2023 (millions of
1	year ended year ended year ended year ended			year ended	year ended			year ended	year ended
2	notes 31 December 2024 31 December 2023 notes 31 December 2024 31 December 2023		notes	31 December 2024	31 December 2023		notes	31 December 2024	31 December 2023
3	Interest income calculated using the effective interest method 25, 37 2,116,154 1,627,018 Insurance service expense 29 (148,200) (117,023)	Interest income calculated using the effective interest method	25, 37	2,116,154	1,627,018	Insurance service expense	29	(148,200)	(117,023)
4	Other interest income 25 54,632 42,764	Other interest income	25	54,632	42,764
5	Financial expenses from insurance contracts issued (26,266) (14,824)					Financial expenses from insurance contracts issued		(26,266)	(14,824)
6	Interest expense 25, 37 (1,062,876) (872,642)	Interest expense	25, 37	(1,062,876)	(872,642)
7	Net reinsurance expense (35,525) (55,077)					Net reinsurance expense		(35,525)	(55,077)
8	net intereSt inCoMe Before CreDit loSS expenSe 25 1,107,910 797,140	net intereSt inCoMe Before CreDit loSS expenSe	25	1,107,910	797,140
9	Other expense, net (46,188) (34,884)					Other expense, net		(46,188)	(34,884)
10	non-intereSt expenSeS (518,736) (440,431)					non-intereSt expenSeS		(518,736)	(440,431)
11	Expected credit loss expense 5, 8, 10, 11, 17 (129,348) (90,665)	Expected credit loss expense	5, 8, 10, 11, 17	(129,348)	(90,665)
12	profit for tHe yeAr Before tAx 1,101,893 814,774					profit for tHe yeAr Before tAx		1,101,893	814,774
13	net intereSt inCoMe 978,562 706,475	net intereSt inCoMe		978,562	706,475
14	Income tax expense 21 (180,902) (121,338)					Income tax expense	21	(180,902)	(121,338)
15	net inCoMe 920,991 693,436					net inCoMe		920,991	693,436
16	Fee and commission income 26 211,734 200,060	Fee and commission income	26	211,734	200,060
17	Attributable to:					Attributable to:
18	Fee and commission expense 26 (86,450) (86,347)	Fee and commission expense	26	(86,450)	(86,347)
19	Non-controlling interest 3 1					Non-controlling interest		3	1
20	fees and commissions, net 125,284 113,713	fees and commissions, net		125,284	113,713
21	Common shareholders 920,988 693,435					Common shareholders		920,988	693,435
22	Net gain on financial assets and liabilities at fair value through profit	Net gain on financial assets and liabilities at fair value through profit
23	27 104,369 72,594 920,991 693,436		27	104,369	72,594			920,991	693,436
24	or loss	or loss
25	EARNINGS PER SHARE (in Kazakhstani Tenge)					EARNINGS PER SHARE (in Kazakhstani Tenge)
26	Net realised gain/(loss) from financial assets at fair value through	Net realised gain/(loss) from financial assets at fair value through
27	2,503 (4,055)			2,503	(4,055)
28	other comprehensive income Basic and diluted earnings per share 32 84.50 63.65	other comprehensive income				Basic and diluted earnings per share	32	84.50	63.65
29	Net foreign exchange gain 28 110,043 90,114	Net foreign exchange gain	28	110,043	90,114
30	Insurance revenue 29 259,923 239,189	Insurance revenue	29	259,923	239,189
31	Share in profit of associate 37 15,526 13,593	Share in profit of associate	37	15,526	13,593
32	Income on non-banking activities 31 24,419 23,582 On behalf of the Management Board:	Income on non-banking activities	31	24,419	23,582	On behalf of the Management Board:
33	otHer non-intereSt inCoMe 516,783 435,017	otHer non-intereSt inCoMe		516,783	435,017
34	Operating expenses 30, 37 (264,510) (216,888)	Operating expenses	30, 37	(264,510)	(216,888)
35	umut B. Shayakhmetova| Dana S. talzhanova					umut B. Shayakhmetova|	Dana S. talzhanova
36	Reversal of impairment of non-financial assets 1,137 483	Reversal of impairment of non-financial assets		1,137	483
37	Chairperson of the Board Chief Accountant					Chairperson of the Board	Chief Accountant
38	Recovery of other credit loss expense 24 876 1,563	Recovery of other credit loss expense	24	876	1,563
39	12 March 2025 12 March 2025					12 March 2025	12 March 2025
40	Loss from impairment of assets held for sales 15 (60) (3,781)	Loss from impairment of assets held for sales	15	(60)	(3,781)
41	Almaty, Kazakhstan Almaty, Kazakhstan					Almaty, Kazakhstan	Almaty, Kazakhstan

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

BS

BS — PDF page 118

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 118 (18 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
0	117 KEY FIGURES STRATEGIC OPERATIONAL AND FINANCIAL ESG REPORT CORPORATE CONSOLIDATED GLOSSARY Halyk REPORT PERFORMANCE GOVERNANCE REPORT FINANCIAL STATEMENTS
1	REGIONAL BRANCHES
2	Astana City Branch West Kazakhstan Regional Branch Abai Regional Branch Temirtau Regional Branch
3	17, Qabanbai Batyr Avenue; Yesil District, Astana 194/1,Nursultan Nazarbayev Avenue; Uralsk 109,Abai Kunanbayev Street; Semey 071400 26A,Respublika Avenue; Temirtau 101403
4	010000 090000 Tel: +7 (722) 255 8805 Tel: +7 (721) 393 3130
5	Tel: +7 (717) 259 1144 Tel: +7 (711) 259 3920
6	Shymkent City Branch Balkhash Regional Branch
7	Aktobe Regional Branch Karaganda Regional Branch 3/10,Al-Farabi Square, Al-Farabi District, 154, Shashubai Koshkarbayev Microdistrict,
8	16B, Microdistrict 12, Astana District, Aktobe 56, Tishbek Akhanov Street, Kazbek Bi District; Shymkent 160012 Balkhash
9	030020 Karaganda 100008 Tel: +7 (725) 258 9784 Tel: +7 (710) 367 9907
10	Tel: +7 (713) 294 2403 Tel: +7 (721) 258 9218
11	Zhetysu Regional Branch Turkistan Regional Branch
12	Almaty City Branch Kostanay Regional Branch 22/1,Karatal Microdistrict, Taldykorgan 5,28th Street; Zhana Qala Microdistrict, Turkistan
13	135/8,Gagarin Avenue; Bostandyk District; 146, Tauelsizdik Street, Kostanay 110000 Tel: +7 (728) 255 5000 Tel: +7 (725) 335 8055
14	Almaty A1SE4E2 Tel: +7 (714) 259 3359
15	Tel: +7 (727) 259 7271 Akmola Regional Branch Almaty Regional Branch
16	Kyzylorda Regional Branch 33,Nursultan Nazarbayev Avenue; Kokshetau 3,Dostyk Street; Qonayev
17	Atyrau Regional Branch 91A, Kulyash Baiseitova Street; Kyzylorda 20001	20000

BS — PDF page 119

No Camelot table — OCR (v8) below.

v8 OCR page 119: empty rows.

CF

CF — PDF page 130

Camelot table (pages 130, primary page 130).

#	Joined label	Line item	31 December 2024	31 December 2023	Changes in operating assets and l…	31 December 2024	31 December 2023
0	year ended year ended year ended year ended		year ended	year ended		year ended	year ended
1	31 December 2024 31 December 2023 31 December 2024 31 December 2023		31 December 2024	31 December 2023		31 December 2024	31 December 2023
Operating activities
2	CASH FLOWS FROM OPERATING ACTIVITIES: Changes in operating assets and liabilities:	CASH FLOWS FROM OPERATING ACTIVITIES:			Changes in operating assets and liabilities:
3	Interest received from financial assets at fair value through profit or loss 36,884 27,602 Decrease/(increase) in operating assets:	Interest received from financial assets at fair value through profit or loss	36,884	27,602	Decrease/(increase) in operating assets:
4	Interest received from cash and cash equivalents and amounts due from Obligatory reserves (61,464) 14,678	Interest received from cash and cash equivalents and amounts due from			Obligatory reserves	(61,464)	14,678
5	173,897 49,906		173,897	49,906
6	credit institutions	credit institutions
7	Financial assets at fair value through profit or loss (152,404) (81,550)				Financial assets at fair value through profit or loss	(152,404)	(81,550)
8	Interest received on financial assets at fair value through other	Interest received on financial assets at fair value through other
9	166,244 126,082		166,244	126,082
10	Amounts due from credit institutions 59,524 (41,711)				Amounts due from credit institutions	59,524	(41,711)
11	comprehensive income	comprehensive income
12	Loans to customers (1,991,575) (1,552,968)				Loans to customers	(1,991,575)	(1,552,968)
13	Interest received on debt securities at amortised cost, net of allowance	Interest received on debt securities at amortised cost, net of allowance
14	52,341 76,747		52,341	76,747
15	for expected credit losses	for expected credit losses
16	Assets classified as held for sale 4,182 2,130				Assets classified as held for sale	4,182	2,130
17	Interest received from loans to customers 1,586,960 1,318,173	Interest received from loans to customers	1,586,960	1,318,173
18	Insurance contract assets 18,264 (33,509)				Insurance contract assets	18,264	(33,509)
19	Interest paid on amounts due to customers (930,565) (713,167)	Interest paid on amounts due to customers	(930,565)	(713,167)
20	Other assets 23,630 9,378				Other assets	23,630	9,378
21	Interest paid on amounts due to credit institutions (46,703) (45,285)	Interest paid on amounts due to credit institutions	(46,703)	(45,285)
22	Increase/(decrease) in operating liabilities:				Increase/(decrease) in operating liabilities:
23	Interest paid on debt securities issued (32,694) (32,542)	Interest paid on debt securities issued	(32,694)	(32,542)
24	Amounts due to customers 1,763,948 531,724				Amounts due to customers	1,763,948	531,724
25	Interest paid on deposit insurance (15,054) (13,357)	Interest paid on deposit insurance	(15,054)	(13,357)
26	Amounts due to credit institutions (213,861) (87,520)				Amounts due to credit institutions	(213,861)	(87,520)
27	Fee and commission received 210,399 199,058	Fee and commission received	210,399	199,058
28	Financial liabilities at fair value through profit or loss 2,771 (6,426)				Financial liabilities at fair value through profit or loss	2,771	(6,426)
29	Fee and commission paid (83,782) (85,529)	Fee and commission paid	(83,782)	(85,529)
30	Insurance contract liabilities 141,860 84,506				Insurance contract liabilities	141,860	84,506
31	Insurance revenue 234,010 266,536	Insurance revenue	234,010	266,536
32	Other liabilities 26,308 47,121				Other liabilities	26,308	47,121
33	Ceded reinsurance share paid (35,525) (55,638)	Ceded reinsurance share paid	(35,525)	(55,638)
34	net cash inflow/(outflow) from operating activities before income tax 571,114 (332,551)				net cash inflow/(outflow) from operating activities before income tax	571,114	(332,551)
35	Receipts from financial derivatives 37,459 28,831	Receipts from financial derivatives	37,459	28,831
36	Income tax paid (193,165) (153,512)				Income tax paid	(193,165)	(153,512)
37	Other expense paid (21,770) (11,302)	Other expense paid	(21,770)	(11,302)
38	net cash inflow/(outflow) from operating activities 377,949 (486,063)				net cash inflow/(outflow) from operating activities	377,949	(486,063)
39	Operating expenses paid (217,778) (192,094)	Operating expenses paid	(217,778)	(192,094)
40	Insurance service expense (138,126) (147,601)	Insurance service expense	(138,126)	(147,601)
41	Financial expenses from insurance contracts issued (26,266) (14,824)	Financial expenses from insurance contracts issued	(26,266)	(14,824)
42	Cash flows from operating activities before changes in net	Cash flows from operating activities before changes in net
43	949,931 781,596		949,931	781,596
44	operating assets	operating assets

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

CF — PDF page 131

Camelot table (pages 131, primary page 131).

#	Joined label	Line item	notes	31 December 2024	31 December 2023	31 December 2024
0	year ended year ended year ended year ended			year ended	year ended	year ended year ended
1	notes 31 December 2024 31 December 2023 notes 31 December 2024 31 December 2023		notes	31 December 2024	31 December 2023	notes 31 December 2024 31 December 2023
Investing activities
2	CASH FLOWS FROM INVESTING ACTIVITIES: Proceeds from issue of debt securities issued 325,696 20 294,736	CASH FLOWS FROM INVESTING ACTIVITIES:				Proceeds from issue of debt securities issued 325,696 20 294,736
3	Disposal of subsidiaries (33,559) - Repayment of lease liabilities (2,273) (3,325)	Disposal of subsidiaries		(33,559)	-	Repayment of lease liabilities (2,273) (3,325)
4	Purchase and prepayments for property and net cash outflow from financing activities (815) (91,084)	Purchase and prepayments for property and				net cash outflow from financing activities (815) (91,084)
5	(66,884) (44,845)			(66,884)	(44,845)
6	equipment and intangible assets	equipment and intangible assets
7	Effect of changes in foreign exchange rates on cash					Effect of changes in foreign exchange rates on cash
8	(73,356) 10,840					(73,356) 10,840
9	Proceeds on sale of property and equipment and and cash equivalents	Proceeds on sale of property and equipment and				and cash equivalents
10	211 77			211	77
11	intangible assets	intangible assets
12	Net change in cash and cash equivalents (651,516) 96,487					Net change in cash and cash equivalents (651,516) 96,487
13	Proceeds on sale of investment property 4,942 3,396	Proceeds on sale of investment property		4,942	3,396
14	CASH AnD CASH eQuivAlentS, beginning					CASH AnD CASH eQuivAlentS, beginning
15	5 1,377,315 2,028,831					5 1,377,315 2,028,831
16	Proceeds on sale of commercial property 17,265 8,978 of the year	Proceeds on sale of commercial property		17,265	8,978	of the year
17	Proceeds from sale of financial assets at fair value	Proceeds from sale of financial assets at fair value
18	CASH AnD CASH eQuivAlentS, end of the year 5 1,473,802 1,377,315					CASH AnD CASH eQuivAlentS, end of the year 5 1,473,802 1,377,315
19	535,270 653,043			535,270	653,043
20	through other comprehensive income	through other comprehensive income
21	Purchase of financial assets at fair value through other	Purchase of financial assets at fair value through other
22	(735,186) (898,450)			(735,186)	(898,450)
23	comprehensive income	comprehensive income
24	Proceeds from sale of debt securities at amortised During the years ended 31 December 2024 and 2023, there were non-cash transfers, which were excluded from the	Proceeds from sale of debt securities at amortised				During the years ended 31 December 2024 and 2023, there were non-cash transfers, which were excluded
25	206,895 289,170			206,895	289,170
26	cost, net of allowance for expected credit losses	cost, net of allowance for expected credit losses
27	consolidated statement of cash flows and were disclosed in Notes 11, 12, 13, 14, 15 and 21.					consolidated statement of cash flows and were disclosed in Notes 11, 12, 13, 14, 15 and 21.
28	Purchase of debt securities at amortised cost, net	Purchase of debt securities at amortised cost, net
29	(220,392) (9,343)			(220,392)	(9,343)
30	of allowance for expected credit losses	of allowance for expected credit losses
31	Capital expenditures on commercial property 13 (49) (3,039)	Capital expenditures on commercial property	13	(49)	(3,039)
32	net cash outflow from investing activities (291,487) (1,013) On behalf of the Management Board:	net cash outflow from investing activities		(291,487)	(1,013)	On behalf of the Management Board:
Financing activities
33	CASH FLOWS FROM FINANCING ACTIVITIES:	CASH FLOWS FROM FINANCING ACTIVITIES:
34	Proceeds from syndicated loan 157,533 -	Proceeds from syndicated loan		157,533	-
35	umut B. Shayakhmetova| Dana S. talzhanova					umut B. Shayakhmetova| Dana S. talzhanova
36	Proceeds on sale of treasury shares 1,535 4,231	Proceeds on sale of treasury shares		1,535	4,231
37	Chairperson of the Board Chief Accountant					Chairperson of the Board Chief Accountant
38	Purchase of treasury shares (6,544) (1,509)	Purchase of treasury shares		(6,544)	(1,509)
39	Dividends paid — common shares 23 (308,595) (276,524)	Dividends paid — common shares	23	(308,595)	(276,524)
40	12 March 2025 12 March 2025					12 March 2025 12 March 2025
41	Redemption and repayment of debt securities issued 20 (136,155) (140,705) Almaty, Kazakhstan Almaty, Kazakhstan	Redemption and repayment of debt securities issued	20	(136,155)	(140,705)	Almaty, Kazakhstan Almaty, Kazakhstan

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 - cash; same-date sibling row (instant BS value; cross-period fill)