Annual report [Section 13 and 15(d), not S-K Item 405]

LOANS ISSUED - Schedule of loans issued (Details)

v3.26.1
LOANS ISSUED - Schedule of loans issued (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2024
Financing Receivable, Past Due [Line Items]      
Amount Outstanding $ 2,179,405 $ 1,670,550  
Allowance for loans issued (101,799) (75,115) $ (43,619)
Total loans issued 2,077,606 1,595,435  
Mortgage loans      
Financing Receivable, Past Due [Line Items]      
Amount Outstanding $ 1,149,000 $ 924,530  
Average Interest Rate 12.20% 11.40%  
Fair Value of Collateral $ 1,148,860 $ 924,386  
Allowance for loans issued (7,388) (10,699) (3,033)
Corporate loans      
Financing Receivable, Past Due [Line Items]      
Amount Outstanding $ 351,713 $ 149,143  
Average Interest Rate 18.00% 19.10%  
Fair Value of Collateral $ 239,226 $ 92,739  
Allowance for loans issued (5,547) (2,640) (10)
Loans to SME      
Financing Receivable, Past Due [Line Items]      
Amount Outstanding $ 195,495 $ 244,217  
Average Interest Rate 29.70% 28.60%  
Fair Value of Collateral $ 28,141 $ 35,141  
Allowance for loans issued (38,752) (35,192) (19,556)
Purchased retail loans      
Financing Receivable, Past Due [Line Items]      
Amount Outstanding $ 182,130 $ 183,635  
Average Interest Rate 22.60% 15.00%  
Fair Value of Collateral $ 0 $ 183,635  
Allowance for loans issued (29,628) (17,333) (6,577)
Car loans      
Financing Receivable, Past Due [Line Items]      
Amount Outstanding $ 167,805 $ 156,340  
Average Interest Rate 25.40% 24.20%  
Fair Value of Collateral $ 164,930 $ 155,320  
Allowance for loans issued (13,836) (8,465) (14,262)
Retail loans      
Financing Receivable, Past Due [Line Items]      
Amount Outstanding $ 100,927 $ 4,847  
Average Interest Rate 42.00% 21.20%  
Fair Value of Collateral $ 5,240 $ 663  
Allowance for loans issued (6,573) (761) (150)
Other      
Financing Receivable, Past Due [Line Items]      
Amount Outstanding 32,335 7,838  
Fair Value of Collateral 26 29  
Allowance for loans issued $ (75) $ (25) $ (31)
Other Loans KZT      
Financing Receivable, Past Due [Line Items]      
Average Interest Rate 19.00% 18.00%  
Other Loans EUR      
Financing Receivable, Past Due [Line Items]      
Average Interest Rate 5.20% 12.70%  
Other Loans USD      
Financing Receivable, Past Due [Line Items]      
Average Interest Rate 5.00% 3.00%