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

FRA:H4L1 Balance Sheet

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
Cash & Equivalents	1,299,089	1,418,685	1,338,263	2,011,679	1,229,793	1,563,010
Investment Securities	4,098,890	3,629,900	2,839,671	2,711,726	3,056,662	3,254,921
Trading Asset Securities	831,632	815,263	577,152	430,988	258,614	242,326
Total Investments	4,930,522	4,445,163	3,416,823	3,142,714	3,315,276	3,497,247
Gross Loans	13,090,986	11,847,484	9,631,277	8,173,124	6,097,816	4,685,649
Allowance for Loan Losses	-611,677	-574,789	-491,350	-424,377	-378,230	-378,302
Other Adjustments to Gross Loans	-	-13,110	-10,433	-7,461	-	-
Net Loans	12,479,309	11,259,585	9,129,494	7,741,286	5,719,586	4,307,347
Property, Plant & Equipment	318,283	269,078	212,823	193,473	170,302	158,373
Goodwill	-	3,055	3,055	3,085	-	3,085
Other Intangible Assets	-	16,221	13,347	14,315	13,547	12,208
Investments in Real Estate	30,920	37,822	47,326	35,541	28,007	39,441
Accrued Interest Receivable	-	268,373	213,240	178,222	173,466	179,879
Other Receivables	41,181	106,548	106,404	91,763	56,053	117,298
Restricted Cash	834,159	306,330	244,866	259,544	194,931	170,128
Other Current Assets	19,139	37,082	145,671	72,750	70,131	74,007
Long-Term Deferred Tax Assets	293	418	351	273	250	234
Other Real Estate Owned & Foreclosed	52,088	57,378	74,882	76,538	92,412	103,098
Other Long-Term Assets	405,363	322,676	547,823	573,919	1,027,616	162,477
Total Assets	20,410,346	18,548,414	15,494,368	14,395,102	12,091,370	10,387,832
Accrued Expenses	-	134,185	46,167	42,096	-	28,655
Interest Bearing Deposits	11,395,643	9,874,570	8,146,691	7,250,770	5,721,571	4,898,700
Non-Interest Bearing Deposits	2,767,732	3,115,473	2,782,813	3,261,278	2,751,836	2,557,277
Total Deposits	14,163,375	12,990,043	10,929,504	10,512,048	8,473,407	7,455,977
Short-Term Borrowings	18,162	11,111	12,620	24,634	2,276	2,484
Current Portion of Long-Term Debt	858,066	725,596	111,443	9,894	1,100,473	350,523
Current Income Taxes Payable	9,963	26,829	946	12,358	11,539	2,758
Other Current Liabilities	-	-	58,422	-	-	-
Long-Term Debt	1,252,152	963,547	1,311,843	1,317,582	470,981	728,396
Long-Term Leases	-	4,383	4,965	5,205	-	5,930
Long-Term Unearned Revenue	-	-	-	-	44,253	35,124
Long-Term Deferred Tax Liabilities	19,818	22,024	59,799	74,147	50,469	51,281
Other Long-Term Liabilities	821,172	602,647	481,705	384,896	364,368	233,436
Total Liabilities	17,142,708	15,480,365	13,017,414	12,382,860	10,517,766	8,894,564
Common Stock	209,027	209,027	209,027	209,027	209,027	209,027
Additional Paid-In Capital	8,788	8,769	8,667	7,966	9,067	5,741
Retained Earnings	3,309,449	3,042,469	2,498,479	2,079,373	1,556,606	1,304,004
Treasury Stock	-264,714	-263,625	-258,514	-260,535	-259,322	-111,027
Comprehensive Income & Other	5,074	71,397	19,285	-23,598	58,218	85,516
Total Common Equity	3,267,624	3,068,037	2,476,944	2,012,233	1,573,596	1,493,261
Minority Interest	14	12	10	9	8	7
Shareholders' Equity	3,267,638	3,068,049	2,476,954	2,012,242	1,573,604	1,493,268
Total Liabilities & Equity	20,410,346	18,548,414	15,494,368	14,395,102	12,091,370	10,387,832
Total Debt	2,128,380	1,704,637	1,440,871	1,357,315	1,573,730	1,087,333
Net Cash (Debt)	541,940	637,923	564,963	1,137,625	673,677	1,573,246
Net Cash Growth	-24.85%	12.91%	-50.34%	68.87%	-57.18%	121.64%
Net Cash Per Share	1989.93	2341.29	2074.26	4178.22	2306.26	5381.80
Filing Date Shares Outstanding	272.74	272	272.55	272.1	272.4	292.11
Total Common Shares Outstanding	272.74	272	272.55	272.1	272.4	292.11
Book Value Per Share	11980.87	11279.57	9087.89	7395.29	5776.78	5112.01
Tangible Book Value	3,267,624	3,048,761	2,460,542	1,994,833	1,560,049	1,477,968
Tangible Book Value Per Share	11980.87	11208.71	9027.71	7331.34	5727.05	5059.65

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