XML 177 R159.htm IDEA: XBRL DOCUMENT v3.26.1
Risk Management Policy - Additional Information (Details) - KZT (₸)
₸ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2027
Dec. 31, 2026
Disclosure of detailed information about financial instruments [line items]        
Maximum exposure to credit risk after offset and collateral of loans to customers ₸ 6,281,705,000 ₸ 5,086,464,000    
Net carrying amount of loans to customers at time of modification ₸ 160,156,000 ₸ 117,763,000    
Allowance for impairment losses changed from lifetime expected credit loss period 12 months 12 months    
Percentage point of change in key assumptions used to calculate expected credit loss 100.00%      
Customer accounts of individuals obligation nominal maturity period 2 years      
Percentage of deposits absent a liquidity event 92.00%      
Balances on current accounts from customers ₸ 1,296      
Guarantee deposits ₸ 43,940,000 ₸ 37,782,000    
Interest rate risk        
Disclosure of detailed information about financial instruments [line items]        
Change in interest rate percentage (3.00%)      
Interest rate risk | Plus 3 p p change in interest rate        
Disclosure of detailed information about financial instruments [line items]        
Impact on profit before income tax due to change in interest rate ₸ 0 0    
Impact on equity due to change in interest rate (49,348,000) (74,854,000)    
Interest rate risk | Minus 3 p.p. change in interest rate        
Disclosure of detailed information about financial instruments [line items]        
Impact on equity due to change in interest rate ₸ 55,739,000 85,862,000    
Currency risk | USD        
Disclosure of detailed information about financial instruments [line items]        
Sensitivity rate (25.00%)      
Change in USD rate percentage (25.00%)      
Currency risk | EUR        
Disclosure of detailed information about financial instruments [line items]        
Sensitivity rate (25.00%)      
Change in USD rate percentage (25.00%)      
Currency risk | TRY        
Disclosure of detailed information about financial instruments [line items]        
Increase in sensitivity rate 25.00%      
Decrease in sensitivity rate (50.00%)      
Increase in USD rate percentage 25.00%      
Decrease in USD rate percentage (50.00%)      
Currency risk | Minus 25% change in USD rate | USD        
Disclosure of detailed information about financial instruments [line items]        
Impact on profit before income tax due to changes in USD rate ₸ 11,229,000 7,383,000    
Currency risk | Minus 25% change in USD rate | EUR        
Disclosure of detailed information about financial instruments [line items]        
Impact on equity due to change in USD rate 796,000 672,000    
Currency risk | Plus 25% change in USD rate | TRY        
Disclosure of detailed information about financial instruments [line items]        
Impact on equity due to increase in USD rate (27,517,000) 0    
Currency risk | Minus 50% change in USD rate | TRY        
Disclosure of detailed information about financial instruments [line items]        
Impact on equity due to decrease in USD rate 55,035,000 0    
Credit Impaired Loans        
Disclosure of detailed information about financial instruments [line items]        
Loans to customers 37,469,000 29,418,000    
Stage 1 - 12-month ECL        
Disclosure of detailed information about financial instruments [line items]        
Gross carrying amount of loans to customers at time of modification ₸ 101,774,000 38,744,000    
Baseline Scenario        
Disclosure of detailed information about financial instruments [line items]        
Increase decrease in percentage of exchange rate (100.00%)      
Increase decrease in percentage of short term interest rate (100.00%)      
Baseline Scenario | Events After Reporting Period        
Disclosure of detailed information about financial instruments [line items]        
Increase decrease in percentage of exchange rate     1.31% 5.20%
Increase decrease in percentage of base rate     13.90% 17.30%
Upside Scenario        
Disclosure of detailed information about financial instruments [line items]        
Increase decrease in allowance for impairment losses of nominal exchange rate ₸ (1,447,000)      
Increase decrease in allowance for impairment losses of short-term rate (1,386,000)      
Upside Scenario | Events After Reporting Period        
Disclosure of detailed information about financial instruments [line items]        
Increase decrease in percentage of exchange rate     (2.31%) 1.57%
Increase decrease in percentage of base rate     13.01% 16.41%
Downside Scenario        
Disclosure of detailed information about financial instruments [line items]        
Increase decrease in allowance for impairment losses of nominal exchange rate 1,407,000      
Increase decrease in allowance for impairment losses of short-term rate 1,381,000      
Downside Scenario | Events After Reporting Period        
Disclosure of detailed information about financial instruments [line items]        
Increase decrease in percentage of exchange rate     4.94% 8.83%
Increase decrease in percentage of base rate     14.79% 17.30%
Gross Carrying        
Disclosure of detailed information about financial instruments [line items]        
Loans to customers ₸ 6,606,933,000 ₸ 5,359,101,000