Business Segments Kaspi Bank Kazakhstan S.E.

Stocks

End-of-day quote Kazakhstan S.E. 2026-09-18			5-day change	1st Jan Change
100.00 ^USD	+0.11%		-0.83%	+24.24%

09-10	Joint Stock Company Kaspi.Kz Approves Dividend, Payable on 09 September 2026	CI
08-28	The emerging market that has outperformed the Nasdaq 100 over the past 10 years

Breakdown by Business Segment (KZT)

Fiscal Period: December	2021	2022	2023	2024	2025
Online Services
Marketplace	154B	240B	448B	733B	1,931B
EBT	142B	214B	-	-	-
Net Income	99.72B	152B	248B	348B	280B
	-	-	-	-	1,931B
Personal Credit Agencies
Fintech	566B	745B	1,027B	1,282B	1,543B
EBT	354B	415B	-	-	-
Net Income	209B	237B	292B	327B	355B
	-	-	-	-	1,543B
Internet Merchant Services
Payments	217B	333B	479B	587B	659B
EBT	195B	303B	-	-	-
Net Income	127B	199B	309B	382B	433B
	-	-	-	-	659B
Corporate, Small and Medium-Sized Enterprises and Other	-	-	-	-	-
Total Assets	-	-	-	-	-
Interest Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
CAPEX	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Operating Income	-	-	-	-	-
Net Income	-	-	-	-	-
Mass Retail	-	-	-	-	-
Total Assets	-	-	-	-	-
Interest Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
CAPEX	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Operating Income	-	-	-	-	-
Net Income	-	-	-	-	-
E-Finance	-	-	-	-	-
EBT	-	-	-	-	-
Net Income	-	-	-	-	-
Consumer Financial Services	-	-	-	-	-
EBT	-	-	-	-	-
Net Income	-	-	-	-	-
Intergroup	-	-2.42B	-560M	-15.49B	-31.17B
	-	-	-	-	-55.89B
Unallocated Rewards	-51.98B	-44.96B	-39.58B	-54.22B	-55.89B

Geographical breakdown of sales (KZT)

Fiscal Period: December	2021	2022	2023	2024	2025
Kazakhstan & Other	-	-	-	-	3,070B
Total Assets	-	-	-	-	371B
Net Income	-	-	-	-	1,161B
	-	-	-	-	1,032B
Turkey	-	-	-	-	1,032B
Total Assets	-	-	-	-	348B
Net Income	-	-	-	-	-93.02B
Foreign	-	-	-	-	-
	-	-	-	-	3,070B
Countries Not Members of OECD	-	-	-	-	-
Countries Members of The Organization for Economic Cooperation and Development	-	-	-	-	-
Interest Expense	-	-	-	-	-
Kazakhstan	885B	1,271B	1,903B	2,544B	-
Total Assets	3,608B	5,122B	6,822B	8,377B	-
Interest Expense	-171B	-279B	-478B	-616B	-
Income Tax Expense	93.59B	132B	173B	225B	-
D&A	12.68B	17.44B	26.32B	28.81B	-
CAPEX	-24.9B	-59.47B	-50.26B	-95.73B	-
Net Income	432B	585B	841B	1,040B	-
EBT	529B	721B	1,022B	1,282B	-
Operating Income	529B	721B	-	-	-