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Risk management policy - Schedule of Financial Assets and Liabilities Liquidity and Interest Rate Risks (Details)
₸ in Thousands, $ in Millions
Dec. 31, 2025
KZT (₸)
Mar. 31, 2025
USD ($)
Dec. 31, 2024
KZT (₸)
Dec. 31, 2023
KZT (₸)
Dec. 31, 2022
KZT (₸)
Disclosure of detailed information about financial instruments [line items]          
Cash and cash equivalents ₸ 903,143,000   ₸ 619,470,000 ₸ 820,466,000 ₸ 615,360,000
Mandatory cash balances with National Bank of the Republic of Kazakhstan 305,126,000   57,307,000    
Due from banks 51,951,000   37,908,000    
Investment securities 1,179,819,000   1,506,831,000    
Other financial assets 108,460,000   37,053,000    
Total financial assets 9,709,626,000   7,997,909,000    
Due to banks 16,183,000   24,474,000    
Customer accounts 1,296        
Debt securities issued 331,992,000 $ 650 51,050,000    
Subordinated debt 161,000   62,416,000    
Derivative financial liabilities 7,059,000   262,000    
Other financial liabilities 60,914,000   19,254,000    
Total financial liabilities 8,286,776,000   6,741,598,000    
Guarantees issued and similar commitments 5,273,000   5,956,000    
Total financial liabilities and commitments 8,292,049,000   6,747,554,000    
Interest Bearing          
Disclosure of detailed information about financial instruments [line items]          
Cash and cash equivalents 706,448,000   388,713,000    
Due from banks 51,951,000   37,908,000    
Investment securities 1,154,801,000   1,489,205,000    
Loans to consumers 7,172,162,000   5,746,600,000    
Total financial assets 9,085,362,000   7,662,426,000    
Due to banks 16,183,000   24,474,000    
Customer accounts 6,333,311,000   5,434,135,000    
Debt securities issued 331,992,000   51,050,000    
Subordinated debt     62,416,000    
Total financial liabilities 6,681,486,000   5,572,075,000    
Non-interest bearing          
Disclosure of detailed information about financial instruments [line items]          
Cash and cash equivalents 196,695,000   230,757,000    
Mandatory cash balances with National Bank of the Republic of Kazakhstan 305,126,000   57,307,000    
Derivative financial assets 24,537,000   17,149,000    
Investment securities 481,000   477,000    
Other financial assets 97,425,000   29,793,000    
Total financial assets 624,264,000   335,483,000    
Customer accounts 1,197,975,000   1,127,815,000    
Trade liabilities 346,401,000   22,454,000    
Derivative financial liabilities 7,059,000   262,000    
Other financial liabilities 53,855,000   18,992,000    
Total financial liabilities 1,605,290,000   1,169,523,000    
Up to 1 Month          
Disclosure of detailed information about financial instruments [line items]          
Total financial assets 2,227,037,000   1,349,289,000    
Total financial liabilities 3,006,484,000   1,898,098,000    
Guarantees issued and similar commitments     250,000    
Total financial liabilities and commitments 3,006,484,000   1,898,348,000    
Liquidity surplus (gap) (779,447,000)   (549,059,000)    
Cumulative liquidity surplus/ (gap) (779,447,000)   (549,059,000)    
Interest sensitivity surplus/ (gap) 133,145,000   278,846,000    
Cumulative interest sensitivity surplus/ (gap) 133,145,000   278,846,000    
Up to 1 Month | Interest Bearing          
Disclosure of detailed information about financial instruments [line items]          
Cash and cash equivalents 706,448,000   388,707,000    
Due from banks 2,135,000   2,267,000    
Investment securities 54,601,000   153,419,000    
Loans to consumers 882,217,000   485,611,000    
Total financial assets 1,645,401,000   1,030,004,000    
Due to banks 15,712,000   24,474,000    
Customer accounts 1,496,544,000   672,334,000    
Debt securities issued     51,050,000    
Subordinated debt     3,300,000    
Total financial liabilities 1,512,256,000   751,158,000    
Up to 1 Month | Non-interest bearing          
Disclosure of detailed information about financial instruments [line items]          
Cash and cash equivalents 196,695,000   230,757,000    
Mandatory cash balances with National Bank of the Republic of Kazakhstan 305,126,000   57,307,000    
Derivative financial assets 22,378,000   1,011,000    
Investment securities 418,000   417,000    
Other financial assets 57,019,000   29,793,000    
Total financial assets 581,636,000   319,285,000    
Customer accounts 1,197,975,000   1,127,815,000    
Trade liabilities 255,758,000        
Derivative financial liabilities 1,010,000   133,000    
Other financial liabilities 39,485,000   18,992,000    
Total financial liabilities 1,494,228,000   1,146,940,000    
1 month to 3 months          
Disclosure of detailed information about financial instruments [line items]          
Total financial assets 1,234,806,000   814,425,000    
Total financial liabilities 1,502,094,000   993,275,000    
Guarantees issued and similar commitments 218,000   32,000    
Total financial liabilities and commitments 1,502,312,000   993,307,000    
Liquidity surplus (gap) (267,506,000)   (178,882,000)    
Cumulative liquidity surplus/ (gap) (1,046,953,000)   (727,941,000)    
Interest sensitivity surplus/ (gap) (223,117,000)   (158,607,000)    
Cumulative interest sensitivity surplus/ (gap) (89,972,000)   120,239,000    
1 month to 3 months | Interest Bearing          
Disclosure of detailed information about financial instruments [line items]          
Cash and cash equivalents     6,000    
Due from banks 1,930,000   2,315,000    
Investment securities 270,644,000   81,250,000    
Loans to consumers 919,753,000   728,514,000    
Total financial assets 1,192,327,000   812,085,000    
Due to banks 471,000        
Customer accounts 1,414,973,000   970,692,000    
Total financial liabilities 1,415,444,000   970,692,000    
1 month to 3 months | Non-interest bearing          
Disclosure of detailed information about financial instruments [line items]          
Derivative financial assets 2,073,000   2,340,000    
Other financial assets 40,406,000        
Total financial assets 42,479,000   2,340,000    
Trade liabilities 84,530,000   22,454,000    
Derivative financial liabilities 1,747,000   129,000    
Other financial liabilities 373,000        
Total financial liabilities 86,650,000   22,583,000    
3 months to 1 year          
Disclosure of detailed information about financial instruments [line items]          
Total financial assets 2,930,837,000   2,641,343,000    
Total financial liabilities 3,399,617,000   3,797,455,000    
Guarantees issued and similar commitments     423,000    
Total financial liabilities and commitments 3,399,617,000   3,797,878,000    
Liquidity surplus (gap) (468,780,000)   (1,156,535,000)    
Cumulative liquidity surplus/ (gap) (1,515,733,000)   (1,884,476,000)    
Interest sensitivity surplus/ (gap) (453,598,000)   (1,163,238,000)    
Cumulative interest sensitivity surplus/ (gap) (543,570,000)   (1,042,999,000)    
3 months to 1 year | Interest Bearing          
Disclosure of detailed information about financial instruments [line items]          
Due from banks 47,886,000   33,016,000    
Investment securities 177,690,000   358,229,000    
Loans to consumers 2,705,255,000   2,242,972,000    
Total financial assets 2,930,831,000   2,634,217,000    
Customer accounts 3,379,009,000   3,738,339,000    
Debt securities issued 5,420,000        
Subordinated debt     59,116,000    
Total financial liabilities 3,384,429,000   3,797,455,000    
3 months to 1 year | Non-interest bearing          
Disclosure of detailed information about financial instruments [line items]          
Derivative financial assets 6,000   7,126,000    
Total financial assets 6,000   7,126,000    
Trade liabilities 6,113,000        
Derivative financial liabilities 4,302,000        
Other financial liabilities 4,773,000        
Total financial liabilities 15,188,000        
1 year to 5 years          
Disclosure of detailed information about financial instruments [line items]          
Total financial assets 3,162,723,000   2,673,615,000    
Total financial liabilities 372,805,000   46,994,000    
Guarantees issued and similar commitments 5,055,000   5,251,000    
Total financial liabilities and commitments 377,860,000   52,245,000    
Liquidity surplus (gap) 2,784,863,000   2,621,370,000    
Cumulative liquidity surplus/ (gap) 1,269,130,000   736,894,000    
Interest sensitivity surplus/ (gap) 2,799,142,000   2,619,949,000    
Cumulative interest sensitivity surplus/ (gap) 2,255,572,000   1,576,950,000    
1 year to 5 years | Interest Bearing          
Disclosure of detailed information about financial instruments [line items]          
Due from banks     310,000    
Investment securities 500,541,000   627,589,000    
Loans to consumers 2,662,182,000   2,039,044,000    
Total financial assets 3,162,723,000   2,666,943,000    
Customer accounts 37,009,000   46,994,000    
Debt securities issued 326,572,000        
Total financial liabilities 363,581,000   46,994,000    
1 year to 5 years | Non-interest bearing          
Disclosure of detailed information about financial instruments [line items]          
Derivative financial assets     6,672,000    
Total financial assets     6,672,000    
Other financial liabilities 9,224,000        
Total financial liabilities 9,224,000        
Over 5 years          
Disclosure of detailed information about financial instruments [line items]          
Total financial assets 154,223,000   519,237,000    
Total financial liabilities 5,776,000   5,776,000    
Guarantees issued and similar commitments 0   0    
Total financial liabilities and commitments 5,776,000   5,776,000    
Liquidity surplus (gap) 148,447,000   513,461,000    
Cumulative liquidity surplus/ (gap) 1,417,577,000   1,250,355,000    
Interest sensitivity surplus/ (gap) 148,304,000   513,401,000    
Cumulative interest sensitivity surplus/ (gap) 2,403,876,000   2,090,351,000    
Over 5 years | Interest Bearing          
Disclosure of detailed information about financial instruments [line items]          
Investment securities 151,325,000   268,718,000    
Loans to consumers 2,755,000   250,459,000    
Total financial assets 154,080,000   519,177,000    
Customer accounts 5,776,000   5,776,000    
Total financial liabilities 5,776,000   5,776,000    
Over 5 years | Non-interest bearing          
Disclosure of detailed information about financial instruments [line items]          
Derivative financial assets 80,000        
Investment securities 63,000   60,000    
Total financial assets ₸ 143,000   ₸ 60,000