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Based on consensus from external analysts. Not Kvantra's opinion.

JSC Halyk Bank, along with its associated entities, delivers a comprehensive suite of corporate and retail financial services. While its primary operations are rooted in the Republic of Kazakhstan, the bank also maintains a significant presence across Russia, Kyrgyzstan, Tajikistan, Georgia, and Uzbekistan. Its business activities are organized into four distinct divisions: Corporate Banking, SME Banking (Small and Medium-sized Enterprises), Retail Banking, and Investment Banking. The institution's extensive range of offerings encompasses various account types, including current and correspondent accounts, alongside diverse deposit and investment savings products. It issues both credit and debit cards, provides consumer loans, mortgages, and overdraft facilities, as well as other forms of credit. Additional financial services comprise custody, cash management, foreign currency transactions, letters of credit, trade financing solutions, foreign exchange dealings, interbank operations, and comprehensive documentary services. Beyond traditional banking, Halyk Bank is active in securities and foreign currency trading, facilitates funds transfers, and delivers cash and payment card processing solutions. Furthermore, its diversified portfolio extends to specialized services such as leasing, telecommunications, brokerage and dealer activities, cash collection, and asset management. The bank also provides a full spectrum of insurance products, including property and casualty, liability, personal, and life coverage, complemented by robust online banking capabilities. Its broad client base spans individual customers, corporate entities, financial institutions, small and medium-sized enterprises (SMEs), and individual entrepreneurs. As of December 31, 2021, the bank maintained a substantial physical presence. This network included its main office situated in Almaty, along with 24 regional branches, 120 sub-regional offices, and 445 cash settlement units. Established in 1923, JSC Halyk Bank is headquartered in Almaty, Republic of Kazakhstan. It operates as a subsidiary of JSC HG Almex.

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