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Home CompaniesHalyk Bank of Kazakhstan Joint Stock Company

Halyk Bank of Kazakhstan Joint Stock Company

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
32.5 GBX -0.50 ( 1.51%)
Last update at 2026-10-23T07:00:00Z
VOLUME
46555
Market Cap
245157.68M
P/E
0.01

Momentum Score

…

Halyk Bank of Kazakhstan Joint Stock Company, together with its subsidiaries, provides corporate and retail banking services in the Republic of Kazakhstan, Kyrgyzstan, Georgia, and Uzbekistan. It operates through four segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The company's products and services include current, education, term deposit, flexible deposit, accumulative deposit, deposit guarantee, and correspondent accounts; various deposit products; investment savings products; credit, digital, cash deposit, employees, business, first fuel for business, card for SP, card for IE, payroll, salary project, customs, and debit cards; consumer loans and mortgages; consumer loan, refinancing, mortgage, digital mortgage, housing mortgage, online, agriculture, auto, digital auto, and soft car custody loans, and foreign currency related services; overdrafts; other credit facilities; and letters of credit, trade finance products, foreign exchange, interbank operations, cash services, and documentary services. It also offers gold investment, metal account, cash services, safe boxes, transaction service, online services, custody, correspondent relations, treasury products, payment system, digital blank tender and digital blank performance guarantees, and letter of credit for business. The company was formerly known as Halyk Savings Bank of Kazakhstan Joint Stock Company and changed its name to Halyk Bank of Kazakhstan Joint Stock Company in June 2023. The company was founded in 1923 and is headquartered in Almaty, the Republic of Kazakhstan. Halyk Bank of Kazakhstan Joint Stock Company operates as a subsidiary of JSC Holding Group ALMEX.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
32.20
Low
33.25
High
52 Week Price Range
18.12
Low
34.95
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
33.00
Dividend Yield
-
Revenue TTM
1883945.96M
Revenue Per Share
6917.60
Gross Profit TTM
1877852.03M
Debt / Equity
0.64
ROE
32.23%
Net Debt
314941.21M
ROCE
6.15%
Diluted EPS TTM
8.31

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 1247042.04M 1101893.00M 814774.00M 658849.00M 524615.00M
Minority interest - -3.00M -1.00M -1.00M -1.00M
Net income 1029365.48M 920988.00M 693435.00M 553751.00M 462377.00M
Selling general administrative 194224.45M 3962.00M 1663.00M 1826.00M 6155.00M
Selling and marketing expenses - 6672.00M - 4743.00M 4992.00M
Gross profit 1862880.39M 1533406.00M 1332277.00M 1109297.00M 791427.00M
Reconciled depreciation - 19821.00M 18534.00M 17274.00M 14909.00M
Ebit 1247042.04M 1101893.00M - 1236293.00M 524614.00M
Ebitda 1269964.12M 1121714.00M 18533.00M 1253567.00M 539523.00M
Depreciation and amortization 22922.08M 19821.00M 18534.00M 17274.00M 14909.00M
Operating income 1262602.87M 1101893.00M - 1236293.00M 524614.00M
Other operating expenses 2136352.26M 1479335.00M 1332277.00M 338273.00M 267625.00M
Interest expense 1368593.53M 1047822.00M 859285.00M 577445.00M 366792.00M
Tax provision - 180902.00M 121338.00M 105097.00M 62237.00M
Interest income - 2170786.00M 1669782.00M 1247644.00M 879865.00M
Net interest income - 1122964.00M 810497.00M 670199.00M 513073.00M
Income tax expense 233234.48M 180902.00M 121338.00M 105097.00M 62237.00M
Total revenue 3383394.31M 2581228.00M 1332277.00M 1109297.00M 791427.00M
Total operating expenses 615838.35M 431513.00M 1332277.00M 338273.00M 267625.00M
Cost of revenue 1520513.92M 1047822.00M - - -
Total other income expense net -15560.83M -111869.00M 814775.00M -577444.00M 1.00M
Net income from continuing ops - 920991.00M 693436.00M 553752.00M 462378.00M
Net income applicable to common shares - - - 553751.00M 462377.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 20895598.19M 18548414.00M 15494368.00M 14311372.00M 12091370.00M
Intangible assets 23846.33M 16221.00M 13347.00M 14315.00M 13547.00M
Other current assets - -60910.00M -84342.00M 461689.00M 6408914.00M
Total liab 17397399.76M 15480365.00M 13017414.00M 12400138.00M 10517766.00M
Total stockholder equity 3498184.44M 3068037.00M 2476944.00M 1911225.00M 1573596.00M
Other current liab - 13085785.00M -61492.00M 12358.00M -5817.00M
Common stock 208898.46M 209027.00M 209027.00M 209027.00M 209027.00M
Capital stock - 209027.00M 209027.00M 209027.00M 209027.00M
Retained earnings 3556153.77M 3103866.00M 2517764.00M 1954767.00M 1614824.00M
Other liab - - - 548055.00M 412118.00M
Good will - 3055.00M 3055.00M - 3085.00M
Other assets - 18548414.00M 15494368.00M 8326714.00M 6408914.00M
Cash 1929820.51M 1778510.00M 1636749.00M 2306344.00M 1967635.00M
Total current liabilities 605079.67M 13153239.00M -63445.00M 10531601.00M 5817.00M
Net debt 314941.21M -221787.00M -1636749.00M -1039358.00M -415560.00M
Short term debt 605079.67M - - - -
Short long term debt total 2244761.72M 1556723.00M - 1266986.00M 1552075.00M
Other stockholder equity -281120.02M -244856.00M -249847.00M -252569.00M -250255.00M
Property plant equipment - - - 193473.00M 170302.00M
Total current assets 2850200.17M 1778510.00M 1616766.00M 2306344.00M 2017317.00M
Long term investments - 4578682.00M 3796079.00M 3470526.00M 3478205.00M
Net tangible assets - - - 1896910.00M 1556964.00M
Short term investments 920379.66M - - - -
Net receivables - 60910.00M 64359.00M 54754.00M 49682.00M
Inventory - - - 76538.00M 96274.00M
Accounts payable - 26393.00M 52130.00M 10487615.00M 5817.00M
Accumulated other comprehensive income 14252.23M - - - -
Non currrent assets other 184512.46M 11902450.00M -4025304.00M -3678314.00M -3665139.00M
Non current assets total 18045398.02M 16769904.00M 13877602.00M 3678314.00M 3665139.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -291487.00M -1013.00M -77232.00M -633894.00M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -1656158.65M -291487.00M -1013.00M -77232.00M -633894.00M
Net borrowings - 316114.00M 184991.00M -52791.00M -307826.00M
Total cash from financing activities 1480002.27M -815.00M -91084.00M -193446.00M -663578.00M
Change to operating activities - - - -1661060.00M -468247.00M
Net income 1029365.48M 920988.00M 693435.00M 553751.00M 462377.00M
Change in cash - 96487.00M -651516.00M 590310.00M -318956.00M
Begin period cash flow 1473802.00M 1377315.00M 2028831.00M 1438521.00M 1757477.00M
End period cash flow - 1473802.00M 1377315.00M 2028831.00M 1438521.00M
Total cash from operating activities 952625.29M 377949.00M -486063.00M 765103.00M 943957.00M
Issuance of capital stock - 1535.00M 4231.00M 4831.00M 12575.00M
Depreciation - - - 17274.00M 14909.00M
Other cashflows from investing activities -1739535.52M 22369.00M 9412.00M - -
Dividends paid 608144.49M 308595.00M 276524.00M 138341.00M 210783.00M
Sale purchase of stock -39363.07M -6544.00M -1509.00M -7145.00M -157544.00M
Other cashflows from financing activities 1576002.87M -3325.00M -2273.00M 124809.00M -2356.00M
Change to netincome - - - 17040.00M -2818.00M
Capital expenditures 82478.24M 66933.00M 47884.00M 35336.00M 28038.00M
Change in working capital 110618.05M - - - -
Other non cash items -187358.24M 377949.00M -486063.00M 194078.00M 466671.00M
Free cash flow 870147.06M 311016.00M -533947.00M 729767.00M 915919.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
HSBK
Halyk Bank of Kazakhstan Joint Stock Company		 -0.50
1.51%		 32.50 0.01 4.03 2.33 1.17 2.88
CBKD
Commercial International Bank -Egypt S.A.E		 -0.04
1.78%		 2.21 0.05 3.98 3.27 1.65 3.51
LLOY
Lloyds Banking Group PLC		 -0.35
0.34%		 102.15 14.37 10.15 3.16 1.20 4.02
NWG
NatWest Group PLC		 -9.60
1.49%		 634.40 9.00 8.31 3.01 1.08 2.25
AIBG
AIB Group PLC		 2.00
0.22%		 924.00 10.06 10.10 3.99 1.31 5.68

Profile*

Halyk Bank of Kazakhstan Joint Stock Company

Halyk Bank of Kazakhstan Joint Stock Company, together with its subsidiaries, provides corporate and retail banking services in the Republic of Kazakhstan, Kyrgyzstan, Georgia, and Uzbekistan. It operates through four segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The company's products and services include current, education, term deposit, flexible deposit, accumulative deposit, deposit guarantee, and correspondent accounts; various deposit products; investment savings products; credit, digital, cash deposit, employees, business, first fuel for business, card for SP, card for IE, payroll, salary project, customs, and debit cards; consumer loans and mortgages; consumer loan, refinancing, mortgage, digital mortgage, housing mortgage, online, agriculture, auto, digital auto, and soft car custody loans, and foreign currency related services; overdrafts; other credit facilities; and letters of credit, trade finance products, foreign exchange, interbank operations, cash services, and documentary services. It also offers gold investment, metal account, cash services, safe boxes, transaction service, online services, custody, correspondent relations, treasury products, payment system, digital blank tender and digital blank performance guarantees, and letter of credit for business. The company was formerly known as Halyk Savings Bank of Kazakhstan Joint Stock Company and changed its name to Halyk Bank of Kazakhstan Joint Stock Company in June 2023. The company was founded in 1923 and is headquartered in Almaty, the Republic of Kazakhstan. Halyk Bank of Kazakhstan Joint Stock Company operates as a subsidiary of JSC Holding Group ALMEX.

40 Al-Farabi Avenue, Almaty, Kazakhstan, A26M3K5

7 272 59 07 77

https://halykbank.kz

16718

Name Title Year Born
Ms. Umut Bolatkhanovna Shayakhmetova CEO, Chairperson of Mgt Board - HR, Strategic Office, Legal, Compliance and Risk Management & Dir. 1969
Mr. Murat Uzakbaevich Koshenov CFA, FRM Dep. Chairman of the Mgmt. Board & Dep. CEO ? Fin., Sub., Corp. Banking & International Activities 1973
Mr. Aivar Zhirensheevich Bodanov Dep. Chairman of the Mgmt. Board & Dep. CEO ? Security, Information Security & Problem Loans 1962
Mr. Yertay Ismailovich Salimov Dep. Chairman of Mgmt. Board & Dep. CEO - Ops., Treasury, Resources, Chancellery & Contact Centre 1974
Mr. Dauren Z. Sartayev Deputy Chairman of the Management Board & Deputy CEO - SME & Transactional Banking, PR and Marketing 1982
Mr. Zhumabek Mamutov Deputy Chairman of Management Board & Deputy ?EO - Retail Banking and Soft Collection 1982
Mr. Nariman Nurlanovich Mukushev Member of Management Board and Deputy CEO - Digital Govt. Services, Ecosystem & Customer Experience NA
Mr. Roman Aleksander Maszczyk Member of Management Board, Dep. CEO - Com., Risk, Data Sci. & Coll. and Chief Compliance Controller NA
Ms. Olga Vladimirovna Vuros Member of Management Board & Deputy CEO - Corp. Banking NA
Pavel A. Cheussov Chief Accountant NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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