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Halyk Bank of Kazakhstan (HSBK) investor relations material
Halyk Bank of Kazakhstan Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Net income for the nine months ended 30 September 2025 was KZT 809.9 billion, up 26.8% year-over-year, driven by strong growth in net interest and fee income.
Maintained leading market positions in net income, assets, loans, and deposits, with digital engagement and ecosystem expansion boosting transaction volumes in B2C and B2B.
Super-App users reached 8.3 million, with B2C transaction volume and digital brokerage activity rising sharply.
Updated 2025 guidance raises net income target to over KZT 1 trillion, with 2026 targets set for further growth despite regulatory headwinds.
Deloitte review found no material misstatements in interim financial information.
Financial highlights
Total assets increased to KZT 20.4 trillion, up 10% year-to-date; net loan portfolio grew 8.3% to KZT 12.4 trillion.
Net interest income rose 22.3% year-over-year to KZT 968.3 billion; net fee and commission income increased 10% to KZT 101.8 billion.
Operating expenses rose 22.5% due to salary indexation and IT investments; cost-to-income ratio improved to 16.9%.
Retail deposits increased 18% year-over-year, with 94% of new deposits opened digitally.
Loans to customers grew 8.2% gross, with retail loans up 9% and legal entities up 7.8%.
Outlook and guidance
2025 net income guidance raised to above KZT 1 trillion, incorporating higher taxes and reserve requirements.
2026 targets: loan growth 12%-16%, NIM ~7%, cost of risk ~1.5%, fee income up 10%-15%, cost-to-income 18%-19%, ROE ~30%, CET-1 ratio 17%-19%.
Net income target for 2026 is KZT 1.1 trillion, with all regulatory changes factored in.
Management continues to monitor economic and political developments, including inflation and regulatory changes, to support business sustainability.
The new Tax Code effective from 2026 is not expected to materially impact deferred tax for 2025.
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Next Halyk Bank of Kazakhstan earnings date
Q4 202513 Mar, 2026
Next Halyk Bank of Kazakhstan earnings date
Q4 202513 Mar, 2026
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Frequently asked questions
Halyk Bank of Kazakhstan Joint Stock Company, with its full Kazakh name translating to "Peoples' Savings Bank of Kazakhstan," is the largest commercial savings bank in Kazakhstan and also operates in Kyrgyzstan, Georgia, Russia, Tajikistan, and Uzbekistan. Founded in 1923, the bank has grown significantly and is considered the legal successor of the Soviet-era Sberbank in Kazakhstan. It offers a comprehensive range of services through its corporate, SME, retail, and investment banking segments. The bank's products and services include various deposit products, credit and debit cards, consumer loans, mortgages, and investment savings products among others. The company is headquartered in Almaty, Kazakhstan, and its shares are listed on the Kazakhstan Stock Exchange (KASE) and the London Stock Exchange (LSE).
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