KASE:ASBN Income Statement

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

Millions KZT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	776,384	672,243	517,435	370,380	258,780	191,897
Interest Income on Investments	10,839	9,670	6,075	3,726	1,961	1,147
Total Interest Income	787,223	681,913	523,510	374,106	260,741	193,044
Interest Paid on Deposits	440,578	367,591	260,282	180,758	132,108	97,109
Net Interest Income	346,645	314,322	263,228	193,348	128,633	95,935
Net Interest Income Growth (YoY)	25.24%	19.41%	36.14%	50.31%	34.08%	0.95%
Gain (Loss) on Sale of Investments	-5,259	3,844	-1,422	997	311	3,884
Gain (Loss) on Sale of Equity Investments	2,547	2,547	-	-	-	-
Other Non-Interest Income	42,026	37,157	54,456	61,843	79,585	37,632
Total Non-Interest Income	39,314	43,548	53,034	62,840	75,419	41,516
Non-Interest Income Growth (YoY)	-21.17%	-17.89%	-15.60%	-16.68%	81.66%	-15.37%
Revenues Before Loan Losses	385,959	357,870	316,262	256,188	204,052	137,451
Provision for Loan Losses	37,667	16,634	41,806	49,725	37,650	9,883
Revenue	348,292	341,236	274,456	206,463	166,402	127,568
Revenue Growth (YoY)	22.78%	24.33%	32.93%	24.07%	30.44%	21.33%
Selling, General & Administrative	108,199	92,561	83,102	75,926	59,226	48,512
Other Non-Interest Expense	21,697	18,848	17,011	9,289	8,463	11,746
Total Non-Interest Expense	129,896	111,409	100,113	90,002	67,689	60,258
EBT Excluding Unusual Items	218,396	229,827	174,343	116,461	98,713	67,310
Other Unusual Items	-	-	-	-	-	-207
Pretax Income	218,396	229,827	174,343	116,461	98,713	67,103
Income Tax Expense	41,837	38,808	13,997	24	627	3,043
Earnings From Continuing Operations	176,559	191,019	160,346	116,437	98,086	64,060
Minority Interest in Earnings	-607	-607	-	-	-	-
Net Income	175,952	190,412	160,346	116,437	98,086	64,060
Net Income to Common	175,952	190,412	160,346	116,437	98,086	64,060
Net Income Growth	2.50%	18.75%	37.71%	18.71%	53.12%	20.95%
Basic Shares Outstanding	92,095	91,655	90,453	90,453	90,453	89,111
Diluted Shares Outstanding	92,095	91,655	90,453	90,453	90,453	89,111
Shares Change (YoY)	1.82%	1.33%	-	-	1.51%	-0.00%
EPS (Basic)	1.91	2.08	1.77	1.29	1.08	0.72
EPS (Diluted)	1.91	2.08	1.77	1.29	1.08	0.72
EPS Growth	0.67%	17.19%	37.71%	18.71%	50.84%	20.96%
Dividend Per Share	-	-	1.104	0.644	0.542	0.542
Dividend Growth	-	-	71.54%	18.72%	-	-
Effective Tax Rate	19.16%	16.89%	8.03%	0.02%	0.64%	4.54%