Quarterly report [Sections 13 or 15(d)]

LOANS ISSUED - Summary of loans issued (Details)

v3.25.4
LOANS ISSUED - Summary of loans issued (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2024
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 2,055,211 $ 1,670,550    
Allowance for loans issued (72,668) (75,115) $ (56,597) $ (43,621)
Loans issued 1,982,543 1,595,435    
Mortgage loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 1,077,676 $ 924,530    
Average Interest Rate 12.10% 11.40%    
Fair Value of Collateral $ 1,077,566 $ 924,386    
Allowance for loans issued (2,920) (10,698) (7,642) (3,033)
Corporate loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 350,699 $ 149,143    
Average Interest Rate 17.10% 19.10%    
Fair Value of Collateral $ 262,129 $ 92,739    
Allowance for loans issued (3,036) (2,640) (2,892) (10)
Purchased retail loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 204,810 $ 183,635    
Average Interest Rate 31.90% 15.00%    
Fair Value of Collateral $ 0 $ 183,635    
Allowance for loans issued (20,240) (17,332) (10,637) (6,577)
Loans to SME        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 202,169 $ 244,217    
Average Interest Rate 29.60% 28.60%    
Fair Value of Collateral $ 29,434 $ 35,141    
Allowance for loans issued (31,388) (35,194) (26,755) (19,558)
Car loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 151,418 $ 156,340    
Average Interest Rate 24.40% 24.20%    
Fair Value of Collateral $ 149,014 $ 155,320    
Allowance for loans issued (9,381) (8,466) (8,202) (14,262)
Retail loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 43,306 $ 4,847    
Average Interest Rate 40.50% 21.20%    
Fair Value of Collateral $ 1,710 $ 663    
Allowance for loans issued (5,627) (760) (448) (150)
Other        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding 25,133 7,838    
Fair Value of Collateral 17 29    
Allowance for loans issued $ (76) $ (25) $ (21) $ (31)
Other Loans KZT        
Financing Receivable, Past Due [Line Items]        
Average Interest Rate 18.00% 18.00%    
Other Loans USD        
Financing Receivable, Past Due [Line Items]        
Average Interest Rate 3.00% 3.00%    
Other Loans EUR        
Financing Receivable, Past Due [Line Items]        
Average Interest Rate 4.00% 12.70%