)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
Halyk Bank of Kazakhstan JSC (HSBK) investor relations material
Halyk Bank of Kazakhstan JSC Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary19 Aug, 2025
Executive summary
Net income for 1H 2025 was KZT 528.6bn, up 39.4% year-over-year, driven by strong net interest and fee income, and maintaining #1 market position in Kazakhstan.
Digital ecosystem expanded, with Helix Super App users up 32% year-over-year and 94% of retail loans and deposits arranged digitally.
Strategic partnership with Click in Uzbekistan, acquiring 49% for USD 176.4m, expanding the addressable market to 57 million people.
Deloitte LLP review found no material misstatements in interim financials under IAS 34.
One-off losses and excess profit tax for 2025 impacted net income.
Financial highlights
Net interest income rose 27.2% year-over-year to KZT 640.7bn; net fee and commission income up 11.2% to KZT 67.8bn.
Total assets increased 5.8% year-to-date to KZT 19.6tn; average interest-earning assets up 21.6%.
Net interest margin improved to 7.2% from 6.9% year-over-year.
Cost-to-income ratio decreased to 17.2% from 18.5% amid higher operating income.
Capital adequacy ratio at 18.1% after dividend payout.
Outlook and guidance
Net loan portfolio growth for retail, corporate, and SME expected at 15–20% for 2025; net income guidance at KZT 1tn.
Net fee and commission income growth projected at 10–15%.
Cost of risk forecasted at 1.4%; return on average equity above 30%.
Net interest margin guidance at 7%, reflecting higher reserve requirements.
Inflation expected at 10.5–12.5% in 2025, with no monetary policy easing.
How does the Law on Asset Return impact the loan portfolio?
What's driving the shift from stage 1 to stage 2 loans?
What's the strategic rationale behind the Click/Tenge Bank deal?
How does Click partnership enhance Halyk's digital footprint?
What's driving the projected growth in retail lending?
Explain the impact of excess profit tax on net income.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Halyk Bank of Kazakhstan JSC earnings date
Q3 202518 Nov, 2025
Next Halyk Bank of Kazakhstan JSC earnings date
Q3 202518 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
)
Edge19 Sep 2025
American Express: An Empire of Plastic
How history, brand, and structure have steadily built American Express' moat, and why Warren Buffett still calls it a one-of-a-kind business.
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).
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage