Halyk Bank of Kazakhstan Joint Stock Company (FRA:H4L1)

FRA:H4L1 Income Statement

Financials in millions KZT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,517,089	2,116,154	1,627,018	1,220,643	858,243	717,688
Interest Income on Investments	68,219	54,632	42,764	27,005	21,622	15,546
Total Interest Income	2,585,308	2,170,786	1,669,782	1,247,648	879,865	733,234
Interest Paid on Deposits	1,300,812	1,062,876	872,642	578,182	366,792	333,741
Net Interest Income	1,284,496	1,107,910	797,140	669,466	513,073	399,493
Net Interest Income Growth (YoY)	30.61%	38.99%	19.07%	30.48%	28.43%	0.38%
Gain (Loss) on Sale of Assets	18,251	18,251	15,532	1,956	20,346	23,557
Gain (Loss) on Sale of Investments	54,667	106,872	68,539	-1,800	16,472	6,625
Gain (Loss) on Sale of Equity Investments	15,548	15,526	13,593	9,708	6,640	6,321
Other Non-Interest Income	650,003	501,358	447,285	458,922	261,303	199,804
Total Non-Interest Income	738,469	642,007	544,949	468,786	304,761	236,307
Non-Interest Income Growth (YoY)	31.84%	17.81%	16.25%	53.82%	28.97%	0.32%
Revenues Before Loan Losses	2,022,965	1,749,917	1,342,089	1,138,252	817,834	635,800
Provision for Loan Losses	139,019	128,472	89,102	106,851	-2	31,943
Revenue	1,883,946	1,621,445	1,252,987	1,031,401	817,836	603,857
Revenue Growth (YoY)	31.89%	29.41%	21.48%	26.11%	35.44%	0.28%
Selling, General & Administrative	18,458	16,196	13,952	11,024	10,896	8,833
Other Non-Interest Expense	532,600	504,493	424,744	349,240	256,729	200,347
Total Non-Interest Expense	551,058	520,689	438,696	360,264	267,625	209,180
EBT Excluding Unusual Items	1,332,888	1,100,756	814,291	671,137	550,211	394,677
Asset Writedown	1,095	1,137	483	4,059	-5,829	-5,145
Other Unusual Items	-	-	-	-	-19,767	-
Pretax Income	1,333,983	1,101,893	814,774	675,196	524,615	389,532
Income Tax Expense	241,872	180,902	121,338	105,718	62,237	36,878
Earnings From Continuing Operations	1,092,111	920,991	693,436	569,478	462,378	352,654
Minority Interest in Earnings	-3	-3	-1	-1	-1	-1
Net Income	1,092,108	920,988	693,435	569,477	462,377	352,653
Net Income to Common	1,092,108	920,988	693,435	569,477	462,377	352,653
Net Income Growth	37.81%	32.81%	21.77%	23.16%	31.11%	5.42%
Basic Shares Outstanding	272	272	272	272	292	292
Diluted Shares Outstanding	272	272	272	272	292	292
Shares Change (YoY)	-0.08%	0.04%	0.03%	-6.79%	-0.07%	0.12%
EPS (Basic)	4010.08	3380.19	2545.95	2091.55	1582.89	1206.37
EPS (Diluted)	4010.08	3380.19	2545.95	2091.55	1582.89	1206.37
EPS Growth	37.93%	32.77%	21.73%	32.14%	31.21%	5.29%
Dividend Per Share	1185.600	1185.600	1400.000	1015.200	508.400	720.000
Dividend Growth	-15.31%	-15.31%	37.90%	99.69%	-29.39%	5.39%
Effective Tax Rate	18.13%	16.42%	14.89%	15.66%	11.86%	9.47%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.