People's Bank of Kazakhstan JSC ( Halyk Bank ; ) is the backbone [3] [4] universal commercial bank of the country. License for banking and other operations and activities in the securities market No. 1.2.47 / 230/38/1 dated November 8, 2016. As of October 2018, it occupies the 1st place in equity among Kazakhstan banks. Included in the group “Halyk” engaged in banking, insurance, brokerage and leasing activities in Kazakhstan, Kyrgyzstan, Russia, Georgia and Tajikistan. It has the widest representation in the countries of the region. The central office is located in Almaty . In 2018, the bank decided to open a subsidiary in Uzbekistan. He is an agent of the Government of the Republic of Kazakhstan for the payment of pensions and benefits through its branch network.
JSC "People's Bank of Kazakhstan" "Kazakhstan Halyk Zhinaқ Bankі" АҚ | |
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Type of | Joint-Stock Company |
License | License for banking and other operations and activities in the securities market No. 1.2.47 / 230/38/1 dated November 8, 2016 |
Participation in CER | Yes [1] |
Listing on the exchange | , |
Activity | All types of banking |
Year of foundation | 1923 |
Location | Kazakhstan : Almaty |
Key figures | Umut Shayakhmetova (Chairman of the Board), Alexander Pavlov (chairman of the board) |
Authorized capital | ▬ 97.6 billion (2018) |
Equity | ▲ 977.9 billion (2018) |
Assets | ▲ 8.4 trillion (2018) |
Net profit | ▲ 284.7 billion (2018) [2] . |
Number of employees | > 13 thousand people |
Primary society | JSC Holding Group ALMEX - 74.5% |
Subsidiaries | JSC Altyn Bank |
Auditor | Deloitte |
Bank Data Sources | Audit report on the consolidated financial statements for 2017 |
Site | halykbank.kz |
The bank is a private bank of the 2nd level, a form of a legal entity “Joint-Stock Company” in which there is a state share.
The full company name in the Kazakh language is “Kazakhstan Halyk Bank” АҚ, in Russian - Halyk Bank of Kazakhstan JSC. Often in Russian-language newspapers it is called "Halyk Bank" by analogy with the short English-language brand "Halyk Bank" [5] .
July 28, 2018 Kazkommertsbank was merged with the People's Bank of Kazakhstan [6] .
On August 3, 2018, the Fitch Ratings international rating agency revised the outlook on the long-term issuer default rating (IDR) of the People's Bank from “stable” to “positive” and confirmed the IDR at the BB level [7]
On November 28, the international rating agency Standard & Poor's (S & P) confirmed the long-term credit rating of Halyk Bank at “BB” and the short-term rating “B” with a stable outlook. The bank’s national scale rating is affirmed at kzA +.
Content
Owners
As of October 31, 2018, the major shareholder of Halyk Bank of Kazakhstan JSC is Holding Company ALMEX, with 74.5% ownership interest in the bank. Holding Company ALMEX Holding, on a parity basis, is controlled by Timur Kulibayev and his wife Dinara Kulibayeva son-in-law and daughter of former President of Kazakhstan Nursultan Nazarbayev . [eight]
Manual
The chairman of the bank’s board is Umut Shayakhmetova (chairman of the board from 2009 — present), the chairman of the board of directors is Alexander Pavlov . Previously, the leading positions in the bank were: Zeinulla Kakimzhanov (in 1994–1997 he was the chairman of the bank’s board), Karim Massimov (in 1997–2000 he was the chairman of the bank’s board), Anvar Saidenov (chairman of the board in 2000–2002), Kairat Satylganov ( Chairman of the Board in 2002–2003), Asiya Syrgabekova (Chairman of the Board in 2003–2005), Grigory Marchenko (Chairman of the Board in 2005–2009).
Activity
Halyk Bank is one of the three largest banks in Kazakhstan.
Halyk Bank of Kazakhstan JSC is the largest universal commercial bank of the Republic of Kazakhstan, which has been successfully operating for more than 95 years , one of the most reliable and diversified financial institutions in Kazakhstan. The privatization of the People's Bank, conducted in 2001, allowed the business to be restructured in order to be able to provide its customers with the widest possible range of quality services.
The Bank issues cards of payment systems Visa International, MasterCard International, China Union Pay and remains the unchanged leader in the Kazakhstan market of payment cards. The total number of Bank cards in circulation exceeded 9 million units, which is about 40% of payment card users in Kazakhstan. License for conducting banking and other operations and activities in the securities market No. 1.2.47 / 230/38/1 dated November 8, 2016.
Becoming a bank that issued the first payment cards and installed the first ATMs in Kazakhstan, the bank currently issues Visa International, MasterCard International, China Union Pay, American Express payment systems and remains the constant leader in the Kazakhstan market not only in issuing payment cards, but also in service for other banking products.
Ratings
In the first half of 2018, he headed the TOP-3 of the most profitable banks of the Republic of Kazakhstan.
On August 3, 2018, the Fitch Ratings international rating agency revised the outlook on the long-term issuer rating (IDR) of the People's Bank from “stable” to “positive” and confirmed the IDR at the level “BB”.
On November 28, the international rating agency Standard & Poor's (S & P) confirmed the long-term credit rating of Halyk Bank at “BB” and the short-term rating “B” with a stable outlook. The bank’s national scale rating is affirmed at kzA +.
Service Channels
Branch Network
The branch network of the bank is the most extensive in Kazakhstan and includes 22 branches and 634 branches located in cities and large settlements of the country.
ATM network and terminals
The infrastructure of Halyk Bank has 4,560 ATMs (about 50% of the total ATM fleet in Kazakhstan), 1090 payment terminals and is the largest in Kazakhstan. The devices allow not only to withdraw cash in various currencies, but also to replenish accounts and cards to make transfers, payments and order banking products.
Homebank Internet Banking
In addition to traditional banking branches, Halyk Bank develops remote service channels, encouraging customers to switch to servicing through the Homebank financial portal (a software product developed by Kazkommertsbank and integrated into the product line of Halyk Bank in July 2018). Through Homebank, you can pay utility bills, cellular communications, education, kindergarten services, taxes, fines for traffic violations, transfer between cards and bills, manage products and order other services (1 136 suppliers are available) without commissions.
A unique feature of the Homebank mobile version (available for iOS and Android devices) is the Scan & Pay ™ function, which allows you to scan the QR code of a supplier of goods or services directly from the application for making a cashless payment. As of October 1, 2018, the number of registered Homebank users exceeded 3.38 million people. In the third quarter of 2018, a total of 28 million payments and transfers were made through the portal.
Products and Services
For individuals
Halyk Bank provides the entire range of banking services available to individuals for the market: debit and credit cards, including multicurrency, bank accounts, various deposit products (the market share of deposits is 37% as of October 2018), online transfers between accounts by cards. Including products and services unique to the Kazakhstan market: Western Union online transfers, American Express credit cards, QR payments, and also provides a wide range of credit products: unsecured loans, mortgages, car loans, and so on.
Bank Loyalty Program - Go! Bonus is the largest in the country (more than 6000 merchants-partners) and provides an opportunity for each client of the bank to receive bonuses when paying with cards both in POS-terminals and online payments.
As of October 1, 2018, the number of Halyk Bank payment cards is 9 million, while the market share of Halyk Bank in servicing active payment cards is 48%, which makes the bank a leader in the card business in Kazakhstan.
From November 28, 2018, the People's Bank provided its holders of Visa and Mastercard cards with the option of paying through Apple Pay. You can link a payment card to Apple Pay through the Wallet mobile app (included in the standard iPhone software package) or through the Homebank financial portal. For those who do not have a Visa or Mastercard for use with Apple Pay, Halyk Bank offers the option of instantly issuing a virtual card through the Homebank portal.
For legal entities
One of the key and advanced products of Halyk Bank for legal entities is Onlinebank - a full-fledged online portal for working with accounts, transfers, company payments. The range of card products allows the bank to provide quality service to payroll companies, as well as provide loans to small and medium businesses and corporate clients.
Achievements and awards
Halyk Bank is a holder of a number of prestigious awards for outstanding business success, awarded by reputable business publications, rating agencies and financial organizations.
In 2000, Halyk Bank became the second among the banks of the CIS (after OJSC Sberbank of Russia (RF) and the first among Kazakhstani companies in terms of net profit based on the annual global rating of two thousand largest public companies in the world, compiled by the American financial and economic magazine Forbes "(Forbes Global 2000) [9] .
April 19, 2005 - the bank was the first in Kazakhstan to implement “Mobile Banking” as part of a pilot project with Visa CEMEA “Mobile Bank - Verified by Visa”. This system allows not only to control the movement of funds on a card account, but also to transfer money from the People’s Bank card to a card of any bank in the world, and pay for cellular services directly from a mobile phone via SMS messages [10] [11] .
In December 2006, the People's Bank made an IPO .
On March 30, 2007, for the first time in Kazakhstan, the bank implemented the functionality “Money from Visa to Visa - 24/7” - a service of transferring money via an ATM or a mobile phone between VISA card holders [12] [13] .
In December 2002, at the international festival-competition "Choice of the Year" in Kazakhstan, Halyk Bank was awarded a nationwide award - "Bank No. 1 in Kazakhstan".
In May 2003, in London at the international summit-conference “Global Rating Leaders 2003”, the People’s Bank of Kazakhstan received the honorary award “International Gold Medal Award” for the quality of services and management efficiency. Global Rating is a member of the International Information and Marketing Center.
In May 2003, Halyk Bank was again awarded the title “Bank No. 1 in Kazakhstan” at the international festival “Choice of the Year” in Kazakhstan.
In July 2006, Euromoney magazine awarded the People's Bank the award “The best bank in Kazakhstan in 2006” (“The Best Bank of Kazakhstan in 2006”). [14] The Banker magazine included the People's Bank in the list of the 1000 largest banks in the world, where the bank ranked 658th in tier one capital.
On June 1, 2006, Standard & Poor's posted a report on various achievements and results of activities of the largest banks in Kazakhstan, Russia and Ukraine. Halyk Bank was named the best in terms of ROA (the ratio of operating profit to total assets) and net interest margin. For several years of accelerated development, confidently building its business, the People's Bank achieved impressive results - at the end of 2005, the bank's ROA was 3%, and the net margin exceeded 7%. [15]
In 2007, the Bank was named by Asian Banker magazine “The Best Retail Bank in Central Asia”. [sixteen]
In 2008, the Bank received the Altyn Zurek Award in the Organization of the Year nomination. Also this year, Euromoney magazine awarded the People's Bank the award "Leading Bank in Corporate Governance in Developing Countries of Europe" [17]
In December 2011, the People's Bank of Kazakhstan was awarded the 2011 Altyn Sapa Award in the nomination “The Best Enterprise Providing Services”
In December 2012, Halyk Bank of Kazakhstan JSC joined the UnionPay International international payment system
In 2013, the People’s Bank of Kazakhstan celebrated its 90th anniversary. In the same year, the Expert RA - Kazakhstan rating agency recognized the Annual Report of the People's Bank for 2012 as the best annual report in the financial sector [18] .
In November 2014, Kazakhstan launched a joint project of the People’s Bank of Kazakhstan and the international payment system UnionPay International (UPI, China) to issue unique co-branded payment cards - Altyn UnionPay and Altyn UnionPay Gold.
In 2015, Halyk Bank was awarded the “Bank of the Year in Kazakhstan” award at the 16th awards ceremony organized by the authoritative international financial magazine The Banker in London [19] . In the same year, the Kazakhstani online edition Vlast.kz named Umut Shayakhmetov, chairman of the board of the People’s Bank, as the financier of the year [20] . Also in 2015, the People’s Bank won the “Success Guaranteed” promotion held by the Damu Entrepreneurship Development Fund. The Damu Fund also awarded the People's Bank the award "The Best Bank in Supporting Business in the Regions" [21]
In 2016, International Banker magazine named Umut Shayakhmetov, Chairman of the Board of the People's Bank, the Banker of the Year in Eastern Europe [22] . Also this year, the rating agency RIA Rating has named the People's Bank the most profitable Kazakhstan bank in the rating of CIS banks, which ranked fourth in the profit rating [23] . Also in 2016, the international payment system Union Pay International named Halyk Bank the largest issuer of UPI payment cards in Kazakhstan.
In 2017, Euromoney magazine awarded the People's Bank the award “The Best Kazakhstan Financial Institute” [24] . In the same year, Global Finance magazine named the People's Bank the best bank in Kazakhstan [25] . Also in 2017, the Kazakhstan Stock Exchange KASE awarded the People's Bank the title “Market Leader” and presented the award “For the Pursuit of Transparency” [26] .
On July 31, 2018, Forbes magazine readers called the People’s Bank of Kazakhstan one of the best banks in Kazakhstan [27] [28] .
Ranking places
In the ranking of the 1000 largest banks in the CIS , prepared by the Interfax-CEA Economic Analysis Center for 2005, the Bank ranked 12th in terms of assets, [29] for the first half of 2006 - 11th, in 2006 14 place, in 2007, 13th place, in 2008, 15th [30] place among the banks of the CIS and third place among the banks of Kazakhstan. [15]
In the first half of 2018, he headed the TOP-3 of the most profitable banks of the Republic of Kazakhstan [31] .
Quality of service
Jana Halyk Program
In October 2018, Halyk announced a program of weekly positive changes in the bank’s activities through the improvement of its #JanaHalyk service. Every week the bank introduces new services and optimizes existing service processes.
The main principle of the program is to change for the better every day. During the first two months of the program, new services and improvements have already been introduced: transfers to accounts of individuals and legal entities in the online bank, Apple Pay payments have been launched, transfers for cards between bank cards have been canceled, hundreds of utility and other payments without fees have been introduced in online banking, instant issue of virtual cards is available in the Homebank application, opening an account for legal entities in 15 minutes, QR payments in Astana public transport, electronic PIN codes, linking cards of any banks to Homebank, booking visiting time The limit on partial withdrawals from deposits and much more has been increased.
Bank staff
Halyk Bank is one of the largest employers in Kazakhstan with more than 13,000 employees. In addition to compulsory social responsibility to employees, the bank has built an effective system of training employees, increasing professional skills, and social and cultural events are held on a regular basis.
The Halyk Bank team of experts has many years of experience and professional expertise in the development of digital financial services for private and corporate clients. The bank's in-house development portfolio includes the online portals and mobile applications of Homebank and Onlinebank, software solutions for acquiring and bonus partners. In addition, the bank provides processing services for Citi Bank, Moskommertsbank, Orienbank, Zhilstroysberbank, Al Hilal Bank, Kazkommertsbank Tajikistan, Kazkommertsbank Kyrgyzstan through its subsidiary Q-Payments.
Subsidiaries
JSC Halyk Leasing
It is the very first leasing company in the Republic of Kazakhstan, established on September 1, 2000. The main activity of JSC Halyk-Leasing is the acquisition and transfer to financial leasing of special equipment, including heavy construction equipment, road-building equipment, industrial equipment, oil, mining and mining equipment, and agricultural equipment? commercial vehicles for transportation of goods and passengers, rental and sale of real estate, etc.
JSC Halyk Finance
Leading investment bank in Central Asia, managing investment portfolios and brokerage and dealer activities with the right to manage customer accounts as a nominal holder. Halyk Finance is a member of the Kazakhstan Stock Exchange (KASE). Also has a license to carry out activities on the territory of the AIFC. The first and only investment bank in Kazakhstan that has ever been assigned a credit rating from a leading international rating agency (BB from Fitch Ratings, outlook Stable).
Subsidiary Insurance Company of the People's Bank of Kazakhstan Halyk-Kazakhinstrakh JSC
The first insurance company established by the state in 1995, after independence of the Republic of Kazakhstan. Subsequently, in 2001, it was privatized by Firma ALMEX LLP. Today, the company surely occupies a leading position in the domestic insurance market, specializes in various types of insurance for individuals and legal entities. Today, Kazakhinstrakh JSC is represented in 18 regions of the country.
OJSC Halyk Bank Kyrgyzstan
The bank was formed after the acquisition of 100 percent of the shares of Kairat Bank OJSC in 2004. Provides services for deposits, lending, conducting foreign exchange transactions and operations with securities. By type of activity, it has the status of a universal bank; correspondent relations with the largest banks of Germany, the USA, Russia and Kazakhstan have been established in interstate settlements for servicing the clients of the bank. Halyk Bank Kyrgyzstan is the first commercial bank in the Kyrgyz Republic to become a member of the SWIFT community.
JSC Halyk Bank Georgia
Offers a full range of banking services - retail and business loans, bank payment cards, deposits, cash management services, money transfers, remote banking services. The Bank is a member of programs of preferential crediting of farmers and producers in Georgia. It has its own network of ATMs and POS-terminals. In April 2015, the international rating agency Fitch Ratings assigned Halyk Bank Georgia JSC a long-term issuer rating in foreign and national currency at the level of BB-.
CJSC Kazkommertsbank Tajikistan
One of the youngest and most progressive banks in the Republic of Tajikistan. Currently, the predominant activity of the bank is lending to medium and large businesses. In addition to lending, another most popular banking product in the market of Tajikistan is payment cards. In 2016, in order to expand the range of services provided, the bank initiated a procedure for connecting to the International Payment System MasterCard.
CB Moskommertsbank (JSC)
Universal Bank, founded in 2001. Provides a wide range of services for corporate and private clients, financial institutions. The priority areas of its activities are lending to small and medium-sized businesses, the corporate sector, the work on issuing bank guarantees, acquiring in trade and service points and retail business. It is a member of the deposit insurance system. He has licenses for banking operations, brokerage, dealer and depository activities. Member of the currency section of the Moscow Interbank Currency Exchange (MICEX), a member of REUTERS and a member of the Russian National Association SWIFT (ROSSWIFT).
Halyk Life JSC
It is the leading life insurance company in Kazakhstan, a member of the Insurance Benefit Guarantee Fund and a member of the Association of Financiers of Kazakhstan. It has 21 branches in Kazakhstan. In 2016, the international rating agency - AM Best Europe - Rating Services Limited confirmed the financial strength rating B + and the issuer's credit rating “bbb-” Halyk-Life JSC, which is the highest among life insurance companies in Kazakhstan. https://halyklife.kz/presscenter/novosti/docherney_kompaniey_narodnogo_ba
JSC Life Insurance Company Kazkommerts Life
Founded in September 2006, the company is firmly established among the leaders of life insurance companies in Kazakhstan. Today, Kazkommerts-Life JSC offers a wide range of life insurance programs with insurance terms developed individually for each Client. As part of the reorganization process, on November 1, 2018, Halyk-Life JSC became the full legal successor in all rights and obligations of Kazkommerts-Life JSC.
Kazkommerts Securities JSC
One of the largest investment banks in Kazakhstan and Central Asia, founded in 1997. It was repeatedly recognized as the best in the opinion of leading international agencies for efficiency, reliability and high level of corporate governance.
Halyk Inkassatsiya LLP
The country's largest carrier of cash and valuables, a reliable partner, whose financial situation is annually confirmed by an international audit (Deloitte). Through 18 branches and 37 branches, they provide collection services to clients in all regional, large and small cities, as well as in regional centers throughout the Republic of Kazakhstan.
Kazteleport JSC
It has been working on the IT market since 1999 and today is a reliable partner of Kazakhstani and international companies throughout the Republic of Kazakhstan, providing a wide range of IT services. The bandwidth of the communication channels is from 64 Kbps. and up to 10 Gbit / s. The digital data network is serviced round the clock by technical specialists. It has its own data processing centers in Almaty and Astana, built using innovative technologies and equipment from global manufacturers.
KUSA KKB-1 LLP, KUSA KKB-2 LLP, KUSA KKB-3 LLP, Halyk Project
Organizations for managing questionable and hopeless assets of the bank. The goal of KUSA is to manage and subsequently sell the stressful assets of the parent bank in the form of claims for doubtful and bad loans, as well as assets seized on the bank’s balance sheet as a result of foreclosure of the mortgaged property.
Subsidiary Organization of the People’s Bank of Kazakhstan for the management of dubious and hopeless assets Halyk Project LLP
Carries out the following activities in the Republic of Kazakhstan: leasing and selling its own commercial, commercial and office real estate, land plots. It is represented in several large cities of Kazakhstan (Astana, Almaty, Shymkent, Pavlodar, Ust-Kamenogorsk, Taraz, Petropavlovsk, Temirtau).
See also
- List of banks in Kazakhstan
Notes
- ↑ kdif.kz: Register of banks participating in the deposit insurance system Archived on December 2, 2013. (rus.) (Verified on June 29, 2011)
- ↑ Profit of STB RK. January – December 2018
- “The upgrading of ratings reflects our opinion that the Government of the Republic of Kazakhstan is likely to provide operational support to the country's backbone banks if they find themselves in a crisis situation,” said Standard & Poor's credit analyst Magar Kuyumjyan.
- ↑ 10.29.08 Samruk-Kazyna Fund is included in the capital of two systemically important Kazakhstan banks (Inaccessible link) . The date of circulation is October 23, 2018. Archived February 6, 2015.
- ↑ Full English name Halyk Bank of Kazakhstan JSC .
- ↑ Forbes.kz . The accession of Kazkom to the People's Bank was completed (Rus.) , Www.forbes.kz (July 30, 2018). The appeal date is August 9, 2018.
- ↑ Fitch changed its outlook on Halyk Bank ratings to Positive, withdrew KKB ratings after the merger . www.banker.kz. The appeal date is August 16, 2018.
- ↑ Timur Kulibayev - Forbes Kazakhstan
- ↑ Halyk Bank of Kazakhstan is the second among CIS banks and the first among Kazakhstan companies in terms of net profit according to the Forbes Global Forbes annual global rating of the largest public companies of the world (Forbies Global 2000) . Etoday.kz . Etoday.kz (15-06-2015). The appeal date is December 10, 2018.
- ↑ Stages of the formation of the Kazakhstan system “Mobile Banking” - Digital Civilization Journal DIGITAL (inaccessible link) . The date of circulation is July 2, 2009. Archived April 1, 2008.
- For the first time in Kazakhstan and only for holders of payment cards of the Halyk Bank of Kazakhstan! MOBILE BANKING The most advanced way to get information about the status of a card account! - The official website of the bank (inaccessible link from 24-05-2013 [2242 days] - history , copy )
- ↑ - The service “Money from Visa to Visa - 24/7” was offered to Visa member banks in the CIS countries at the beginning of 2006, and Halyk Bank was the first among Kazakhstan banks to complete all the necessary work for its implementation - kase.kz
- ↑ For the first time in Kazakhstan, international transfers through ATMs or a mobile phone of the People's Bank of Kazakhstan! - The official website of the bank (inaccessible link from 24-05-2013 [2242 days] - history , copy )
- ↑ In 2006, Euromoney magazine awarded the Bank the award “The Best Bank in Kazakhstan in 2006” (“The Best Bank of Kazakhstan in 2006”). - Official site of the bank OJSC "NBK-Bank", a subsidiary of the People's Bank of Kazakhstan in Russia
- ↑ 1 2 article “History of the People’s Bank of Kazakhstan” in the newspaper “Express K” No. 203 (16105) of 10.28.2006 (Neopr (Not available link) . The appeal date is July 2, 2009. Archived April 2, 2015.
- ↑ In 2007, the Bank was named by Asian Banker magazine “The Best Retail Bank in Central Asia”. - Official site of the bank OJSC "NBK-Bank", a subsidiary of the People's Bank of Kazakhstan in Russia
- ↑ FE Investegate | JSC Halyk SavingBank Announcements | JSC Halyk SavingBank: Euromoney Award . www.investegate.co.uk. The appeal date is December 10, 2018.
- ↑ Expert RA - Kazakhstan presented the winners of the III Annual Competition of Annual Reports. www.raexpert.kz. The appeal date is December 10, 2018.
- ↑ Halyk Bank is recognized as the “Bank of the Year” in Kazakhstan according to the international financial journal The Banker . Etoday.kz (08-12-2015). The appeal date is December 10, 2018.
- ↑ People of the Year - 2015 - Vlast Analytical Internet Journal . vlast.kz. The appeal date is December 10, 2018.
- ↑ Damu Foundation awarded the best bankers for supporting SMEs . kapital.kz. The appeal date is December 10, 2018.
- ↑ The International Banker 2016 Western & Eastern European Awards Winners (English) . International Banker (30 November 2016). The appeal date is December 10, 2018.
- ↑ TOP-100 profitable banks in the CIS - rating 2016 . http: //riarating.ru.+ Address date December 10, 2018.
- ↑ Euromoney recognized Halyk Bank as the best bank in the Republic of Kazakhstan . kapital.kz. The appeal date is December 10, 2018.
- ↑ Halyk Bank is recognized as the best bank of the Republic of Kazakhstan according to Global Finance . www.forbes.kz (May 11, 2017). The appeal date is December 10, 2018.
- ↑ KASE awarded the most active members of the Exchange, listed companies and media representatives for 2017 . kase.kz (14-02-2018). The appeal date is December 10, 2018.
- ↑ "Rating of banks of Kazakhstan-2018" (Russian) .
- ↑ Outside look (rus.) .
- ↑ Halyk Savings Bank of Kazakhstan JSC summed up the main results of its activities in the first half of 2006 - press release
- Online magazine - “World of Finance” with a link to Interfax
- ↑ Revenues of the banking sector for the first 5 months of 2018 amounted to 13 trillion tenge