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HALYK 2025-06-30 H1 — report review

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

Дата публикации отчёта: 2025-07-01 дата снимка KASE fin-data (change_date)

Full financial report: Отчёт (PDF)

kase_fin_data_provenance_note

PDF (local): /home/ubuntu/projects/frontier/data/raw_pdfs/HALYK/2025-06-30_Q2_financial-statement-pdf.pdf

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)

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.

Statement pages (discovery)

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

P&L — PDF page 6

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 6 (39 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
0	JSC Halyk Bank Halyk Interim Condensed Consolidated Statement of Profit or Loss
1	for the Three and Six Months ended 30 June 2025 (unaudited)
2	(millions of Kazakhstani Tenge, except for earnings per share which is in Tenge)
3	Interest income calculated using the effective interest
4	method	643378	503785	1255593	988226
5	Other interest income	16722	11969	33704	23782
6	Interest expense	-345233	-262359	-648564	-508125
7	NET INTEREST INCOME BEFORE CREDIT LOSS EXPENSE	314867	253395	640733	503883
8	Expected credit loss expense	38.94	-47048	-66608	-69050
9	NET INTEREST INCOME	275927	206347	574125	434833
10	Fee and commission income	57451	49656	114317	99730
11	Fee and commission expense	23.4471	-18488	-46535	-38729
12	Fees and commissions_net	34004	31168	67782	60951
13	Net gain on financia assets and liabilities at fair value
14	through profit or loss	16366	18538	20204	50086
15	Net realised (loss)/ gain from financial assets at fair value
16	through other comprehensive income	-699	66	-1836	1732
17	Net foreign exchange gain	49864	25756	69579	38231
18	Recovery of ather credit loss expense	360	295	5090	3303
19	Insurance revenue	63588	70183	135732	128939
20	Income on non- banking activities	4214	3714	8103	8318
21	Share in profit of associate	2770	10837	8101	15431
22	Other income/ (expense)	3873	-7182	15269	-67788
23	OTHER NON-INTEREST INCOME	140336	122207	260242	178252
24	Operating expenses	-77416	-59217	-146606	-115904
25	Reversal of/lloss from) impairment of non-financia) assets	4		1	46
26	Insurance service expense	-38766	-56612	-73820	-88061
27	Net finance insurance (expense)/income	-1066	995	-11817	-6866
28	Net reinsurance expense	-13374	-9440	-24255	-19210
29	NON-INTEREST EXPENSES	-130618	-124274	-256499	-229995
30	PROFIT FOR THE YEAR BEFORE TAX	319649	235448	645650	444041
31	Income tax expense	-66063	-34319	-117048	-64948
32	NET INCOME	253586	201129	528602	379093
33	Attributable to:
34	Non-controlling interest	2	0	2	0
35	Common shareholders	253584	201129	528600	379093
36	EARNINGS PER SKARE
37	(in Kazakhstani Tenge)
38	Basic and diluted earnings pet share	23.25	18.45	48.54	34.77

BS

BS — PDF page 5

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 5 (45 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
0	JSC Halyk Bank Halyk Interim Condensed Consolidated Statement of Financial Position
1	as at 30 June 2025 (unaudited)
2	(millions of Kazakhstani Tenge)
3	ASSETS
4	Cash and cash equivalents	2362269	1473802
5	Obligatory reserves	342042	306330
6	Financial assets at fair value through profit or loss	761475	822817
7	Amounts due from credit institutions	173881	156966
8	Financial assets at fair value through other comprehensive income	2670319	2924760
9	Debt securities at amortised cost; net of allowance for expected credit losses	884311	766937
10	Loans to customers	11736556	11465649
11	Investment property	30937	37822
12	Commercial property	54618	57378
13	Assets classified as held for sale	9516	8833
14	Current income tax assets	5814	3506
15	Deferred income tax assets	326	418
16	Property, equipment and intangible assets	300810	285299
17	Insurance contract assets	120	2314
18	Reinsurance contract assets	43984	38400
19	Other assets	238734	197183
20	TOTAL ASSETS	19615712	18548414
21	LIABILITIES AND EQUITY
22	LIABILITIES
23	Amounts due to customers	13748127	12990043
24	Amounts due to credit institutions	972772	814069
25	Financial liabilities at fair value through profit or loss	7974	6973
26	Debt securities issued	959338	879212
27	Current income tax liability	7119	26829
28	Deferred tax liability	21962	22024
29	Provisions	6156	10964
30	Insurance contract liabilities	455817	430320
31	Reinsurance contract liabilities	501	0
32	Other liabilities	245508	299931
33	Total liabilities	16425274	15480365
34	EQUITY
35	Share capital	209027	209027
36	Share premium reserve	8700	8769
37	Treasury shares	-264757	-263625
38	Share-based payment reserve	3925	10000
39	Retained earnings and other rezerves	3233530	3103866
40	Total equity attributable to oxners of the Group	3190425	3058037
41	Non-controlling interest_	13	12
42	Total equity	3190438	3.068
43	TOTAL LIABILITIES AND EQUITY	19615712	18548414
44	On behalf of the Management Board UMKA	47	0

CF

CF — PDF page 10

Camelot table (pages 10, primary page 10).

#	Joined label	Line item	2025	2024
0	ended ended		ended	ended
1	30 June 30 June		30 June	30 June
2	2025 2024		2025	2024
3	(unaudited) (unaudited)		(unaudited)	(unaudited)
Operating activities
4	CASH FLOWS FROM OPERATING ACTIVITIES:	CASH FLOWS FROM OPERATING ACTIVITIES:
5	Interest received from financial assets at fair value through profit or loss 29,762 18,949	Interest received from financial assets at fair value through profit or loss	29,762	18,949
6	Interest received from cash equivalents and amounts due from credit institutions 122,859 62,702	Interest received from cash equivalents and amounts due from credit institutions	122,859	62,702
7	Interest received on financial assets at fair value through other comprehensive income 105,255 75,747	Interest received on financial assets at fair value through other comprehensive income	105,255	75,747
8	Interest received on debt securities at amortised cost, net of allowance for expected credit	Interest received on debt securities at amortised cost, net of allowance for expected credit
9	losses 6,730 3,563	losses	6,730	3,563
10	Interest received from loans to customers 929,470 768,207	Interest received from loans to customers	929,470	768,207
11	Interest paid on due to customers (574,471) (438,087)	Interest paid on due to customers	(574,471)	(438,087)
12	Interest paid on due to credit institutions (32,829) (16,452)	Interest paid on due to credit institutions	(32,829)	(16,452)
13	Interest paid on debt securities issued (23,123) (14,399)	Interest paid on debt securities issued	(23,123)	(14,399)
14	Interest paid on deposit insurance (10,601) (7,380)	Interest paid on deposit insurance	(10,601)	(7,380)
15	Interest paid on other liabilities (541) (386)	Interest paid on other liabilities	(541)	(386)
16	Fee and commission received 112,929 96,711	Fee and commission received	112,929	96,711
17	Fee and commission paid (44,911) (40,152)	Fee and commission paid	(44,911)	(40,152)
18	Receipts from financial derivatives 44,205 34,690	Receipts from financial derivatives	44,205	34,690
19	Other income received/(expense paid) 23,368 (30,402)	Other income received/(expense paid)	23,368	(30,402)
20	Operating expenses paid (133,916) (101,682)	Operating expenses paid	(133,916)	(101,682)
21	Cash from insurance activities, net 66,108 49,788	Cash from insurance activities, net	66,108	49,788
22	Net reinsurance service expenses paid (24,255) (19,210)	Net reinsurance service expenses paid	(24,255)	(19,210)
23	Cash flows from operating activities before changes in net operating assets 596,039 442,207	Cash flows from operating activities before changes in net operating assets	596,039	442,207
24	Changes in operating assets and liabilities:	Changes in operating assets and liabilities:
25	(Increase)/decrease in operating assets:	(Increase)/decrease in operating assets:
26	Obligatory reserves (35,712) (8,745)	Obligatory reserves	(35,712)	(8,745)
27	Financial assets at fair value through profit or loss 40,647 (74,129)	Financial assets at fair value through profit or loss	40,647	(74,129)
28	Amounts due from credit institutions (9,966) 33,065	Amounts due from credit institutions	(9,966)	33,065
29	Loans to customers (290,459) (573,029)	Loans to customers	(290,459)	(573,029)
30	Assets classified as held for sale 329 434	Assets classified as held for sale	329	434
31	Insurance contract assets 6,629 1,293	Insurance contract assets	6,629	1,293
32	Other assets (9,379) 9,467	Other assets	(9,379)	9,467
33	Increase/(decrease) in operating liabilities:	Increase/(decrease) in operating liabilities:
34	Amounts due to customers 808,150 606,923	Amounts due to customers	808,150	606,923
35	Amounts due to credit institutions 135,158 207,719	Amounts due to credit institutions	135,158	207,719
36	Financial liabilities at fair value through profit or loss 1,002 1,409	Financial liabilities at fair value through profit or loss	1,002	1,409
37	Insurance contract liabilities 1,491 44,591	Insurance contract liabilities	1,491	44,591
38	Other liabilities (59,629) 26,772	Other liabilities	(59,629)	26,772
39	Net cash inflow from operating activities before income tax 1,184,300 717,977	Net cash inflow from operating activities before income tax	1,184,300	717,977
40	Income tax paid (139,036) (69,031)	Income tax paid	(139,036)	(69,031)
41	Net cash inflow from operating activities 1,045,264 648,946	Net cash inflow from operating activities	1,045,264	648,946
Investing activities
42	CASH FLOWS FROM INVESTING ACTIVITIES:	CASH FLOWS FROM INVESTING ACTIVITIES:
43	Disposal of subsidiary - 15,663	Disposal of subsidiary	-	15,663
44	Purchase and prepayment for property and equipment and intangible assets (28,310) (26,221)	Purchase and prepayment for property and equipment and intangible assets	(28,310)	(26,221)
45	Proceeds on sale of property and equipment 709 21	Proceeds on sale of property and equipment	709	21
46	Proceeds on sale of investment property 3,963 786	Proceeds on sale of investment property	3,963	786
47	Proceeds on sale of commercial property 4,093 5,665	Proceeds on sale of commercial property	4,093	5,665
48	Proceeds on sale of financial assets at fair value through other comprehensive income 372,397 60,504	Proceeds on sale of financial assets at fair value through other comprehensive income	372,397	60,504
49	Purchase of financial assets at fair value through other comprehensive income (175,366) (550,389)	Purchase of financial assets at fair value through other comprehensive income	(175,366)	(550,389)
50	Purchase of debt securities at amortised cost, net of allowance for expected credit losses (111,210) (6,599)	Purchase of debt securities at amortised cost, net of allowance for expected credit losses	(111,210)	(6,599)
51	Proceeds on sale and maturity of debt securities at amortised cost, net of allowance for	Proceeds on sale and maturity of debt securities at amortised cost, net of allowance for
52	expected credit losses 18,104 11,980	expected credit losses	18,104	11,980
53	Capital expenditures on commercial property (1) (47)	Capital expenditures on commercial property	(1)	(47)
54	Net cash inflow/(outflow) from investing activities 84,379 (488,637)	Net cash inflow/(outflow) from investing activities	84,379	(488,637)

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

CF — PDF page 11

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 11 (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
0	JSC Halyk Bank Halyk Interim Condensed Consolidated Statement of Cash Flows
1	for the Six Months ended 30 June 2025 (unaudited) (continued)
2	(millions of Kazakhstani Tenge)
Financing activities
3	CASH FLOWS FROM FINANCING ACTIVITIES:
4	Proceeds on sale of treasury shares	7667	1213
5	Purchase of treasury shares	-8868	-1088
6	Payment of dividends common shares	-322682	-83719
7	Redemption and repayment of debt securities issued	-397369	-33233
8	Proceeds from issue of debt securities issued	470009	18722
9	Repayment of the lease liabilities	-1126	-1266
10	Net cash outflow from financing activities	-252369	-99371
11	Effect of changes in foreign exchange rates on cash and cash equivalents	11193	8.139
12	Net change in cash and cash equivalents	888467	52799
13	CASH AND CASH EQUIVALENTS, beginning of the period	1473802	1377315
14	CASH AND CASH EQUIVALENTS, end of the period	2362269	1430114

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)