Wallets/halyk-bank
Halyk Bank (Halyk Super-App / Homebank)
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Overview
Halyk Bank (Halyk Super-App / Homebank) is Kazakhstan's largest commercial bank + Almex JSC majority controlling + 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY + 1.81M Homebank DAU +20.7% YoY + 100% online customer onboarding without branch visit [1, 2, kz-cro]. 2025 baseline: Halyk Bank 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY (Q2 2023) + 1.81M Homebank DAU +20.7% YoY; Halyk Super-App all-pervasive Kazakhstani daily-use super-app distinctive Kazakhstani super-app banking + ecosystem dominance; 100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services) distinctive Kazakhstani mobile-first banking.
Distinctive Halyk Bank positioning:
- Kazakhstan's largest commercial bank (Halyk Bank of Kazakhstan; KASE: HSBK; LSE: HSBK; Almex JSC majority controlling)
- 10.9M active retail customers + 371,000+ active corporate and SME customers distinctive Kazakhstani retail banking scale
- 6.3M Homebank MAU +29.9% YoY (Q2 2023) distinctive Kazakhstani mobile banking penetration
- 1.81M Homebank DAU +20.7% YoY (Q2 2023) distinctive Kazakhstani mobile banking daily active user growth
- 100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services) distinctive Kazakhstani mobile-first banking
- Halyk Super-App all-pervasive Kazakhstani daily-use super-app distinctive Kazakhstani super-app banking + ecosystem dominance
- 1923 Halyk Bank founding as a savings bank (Sberbank-Kazakhstan lineage) distinctive Kazakhstani banking heritage (oldest Kazakhstani bank)
History
1923 — Halyk Bank founded as a savings bank (Sberbank-Kazakhstan lineage) distinctive Kazakhstani banking heritage (oldest Kazakhstani bank).
1993 — Halyk Bank renamed Halyk Bank of Kazakhstan post-Kazakhstani banking modernization.
Dec 13 2006 — Halyk Bank LSE GDR + KASE IPO under ticker HSBK distinctive Kazakhstani commercial bank London + Kazakhstan dual-listing.
Jul 2018 — Halyk Bank + Kazkommertsbank merger post-Kazakhstani commercial banking consolidation (Halyk Bank acquired Kazkommertsbank).
2014 — Homebank mobile banking app launch distinctive Kazakhstani mobile-first banking.
2025 — Halyk Bank 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY + 1.81M Homebank DAU +20.7% YoY + 100% online customer onboarding without branch visit [1, 2, 3].
Ownership & operator
Operating entity: Halyk Bank of Kazakhstan (KASE: HSBK; LSE: HSBK; Kazakhstan's largest commercial bank; Almex JSC majority controlling).
Major shareholders: Almex JSC (Timur Kulibayev + Dinara Kulibayeva controlling vehicle; daughter of former Kazakh President Nursultan Nazarbayev) majority controlling + Kazakhstani retail + institutional + foreign investors.
Regulators: NBK (National Bank of the Republic of Kazakhstan) + ARDFM (Agency of the Republic of Kazakhstan for Regulation and Development of Financial Market).
Technical integration
Halyk Super-App / Homebank mobile banking app (iOS + Android; 10.9M active retail customers + 6.3M Homebank MAU +29.9% YoY; 1.81M Homebank DAU +20.7% YoY) + halykbank.com online + Halyk Bank branch network Kazakhstan + Kyrgyzstan + Uzbekistan + Georgia + Russia + Tajikistan + Halyk Bank Visa + Mastercard + UnionPay cards; Kazakhstani Instant Payment; 100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services) distinctive Kazakhstani mobile-first banking + Halyk Super-App all-pervasive Kazakhstani daily-use super-app distinctive Kazakhstani super-app banking + ecosystem dominance.
Users & growth
2025: Halyk Bank 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY (Q2 2023) + 1.81M Homebank DAU +20.7% YoY.
Use cases
Kazakhstani + Central Asian + Caucasian + Russian retail + private + corporate + SME + super-app banking via Halyk Super-App / Homebank mobile + halykbank.com online + Halyk Bank branch network Kazakhstan + Kyrgyzstan + Uzbekistan + Georgia + Russia + Tajikistan + Visa/Mastercard/UnionPay cards; Kazakhstani Instant Payment; 100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services) distinctive Kazakhstani mobile-first banking.
Implementations & partners
Operator: Halyk Bank of Kazakhstan (KASE: HSBK; LSE: HSBK; Kazakhstan's largest commercial bank; Almex JSC majority controlling); Almex JSC (Timur Kulibayev + Dinara Kulibayeva controlling vehicle; daughter of former Kazakh President Nursultan Nazarbayev) majority controlling + Kazakhstani retail + institutional + foreign investors.
Major Kazakhstani + Central Asian banking + super-app competitors: [[kaspi-kz]] (Kaspi.kz; KASE + NASDAQ: KSPI; Kazakhstan's largest super-app + bank; 14M+ active users; ~13.5M MAU; ~1B+ transactions Q2 2025; #1 super-app in Kazakhstan) + [[forte-bank-kz]] (ForteBank Kazakhstan; KASE: BCC_p1; Kazakhstani commercial bank) + [[bank-centercredit]] (Bank CenterCredit; KASE: CCBN; Kazakhstani commercial bank) + [[sber-kz]] (Sber Kazakhstan; ex-Sberbank Kazakhstan subsidiary; sold to BCC March 2022) + [[bereke-bank]] (Bereke Bank Kazakhstan; ex-Sberbank Kazakhstan subsidiary post-Sber divestment + Kazakhstani Baiterek Holding ownership) + [[jusan-bank]] (Jusan Bank Kazakhstan; ex-Tsesnabank acquisition by First Heartland Securities).
Regulators: NBK + ARDFM.
Fun facts
- Kazakhstan's largest commercial bank (Halyk Bank of Kazakhstan; KASE: HSBK; LSE: HSBK; Almex JSC majority controlling).
- 10.9M active retail customers + 371,000+ active corporate and SME customers distinctive Kazakhstani retail banking scale.
- 6.3M Homebank MAU +29.9% YoY (Q2 2023) distinctive Kazakhstani mobile banking penetration.
- 1.81M Homebank DAU +20.7% YoY (Q2 2023) distinctive Kazakhstani mobile banking daily active user growth.
- 100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services) distinctive Kazakhstani mobile-first banking.
- Halyk Super-App all-pervasive Kazakhstani daily-use super-app distinctive Kazakhstani super-app banking + ecosystem dominance.
- 1923 Halyk Bank founding as a savings bank (Sberbank-Kazakhstan lineage) distinctive Kazakhstani banking heritage (oldest Kazakhstani bank).
- Jul 2018 Halyk Bank + Kazkommertsbank merger post-Kazakhstani commercial banking consolidation.
Comparison
| Feature | Halyk Bank | [[kaspi-kz]] (Kaspi.kz rival; Kazakhstan's largest super-app + bank; 14M+ active users) | [[forte-bank-kz]] (ForteBank Kazakhstan rival) | [[bereke-bank]] (Bereke Bank Kazakhstan rival; ex-Sberbank Kazakhstan subsidiary) | [[jusan-bank]] (Jusan Bank Kazakhstan rival; ex-Tsesnabank acquisition) |
|---|---|---|---|---|---|
| Operator | Halyk Bank of Kazakhstan (KASE: HSBK; LSE: HSBK; Kazakhstan's largest commercial bank; Almex JSC majority controlling) | Kaspi.kz (KASE + NASDAQ: KSPI; Kazakhstan's largest super-app + bank) | ForteBank Kazakhstan (KASE: BCC_p1; Kazakhstani commercial bank) | Bereke Bank Kazakhstan (ex-Sberbank Kazakhstan subsidiary post-Sber divestment + Kazakhstani Baiterek Holding ownership) | Jusan Bank Kazakhstan (ex-Tsesnabank acquisition by First Heartland Securities) |
| Type | Kazakhstan's largest commercial bank + 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY + 1.81M Homebank DAU +20.7% YoY + 100% online customer onboarding without branch visit + Halyk Super-App all-pervasive Kazakhstani daily-use super-app | Kazakhstan's largest super-app + bank + 14M+ active users + ~13.5M MAU + ~1B+ transactions Q2 2025 + #1 super-app in Kazakhstan | Kazakhstani commercial bank | Bereke Bank Kazakhstan ex-Sberbank Kazakhstan subsidiary + post-Sber divestment + Kazakhstani Baiterek Holding ownership | Jusan Bank Kazakhstan ex-Tsesnabank acquisition by First Heartland Securities |
| Country | KZ + KG + UZ + GE + RU + TJ | KZ | KZ | KZ | KZ |
| Distinctive | 1923 Halyk Bank founding as a savings bank (Sberbank-Kazakhstan lineage) (oldest Kazakhstani bank); 1993 Halyk Bank renamed Halyk Bank of Kazakhstan; Dec 13 2006 Halyk Bank LSE GDR + KASE IPO under ticker HSBK; Jul 2018 Halyk Bank + Kazkommertsbank merger; 2014 Homebank mobile banking app launch; 2025 10.9M active retail customers + 6.3M Homebank MAU +29.9% YoY | 1991 Kaspi.kz founding (formerly Kaspi Bank); Sep 19 2018 LSE IPO under ticker KSPI; Jan 19 2024 NASDAQ IPO under ticker KSPI | 1990 ForteBank founding (post-merger of Alliance Bank + Temirbank + ForteBank) | Mar 2022 Sberbank Kazakhstan divestment + Kazakhstani Baiterek Holding ownership + Bereke Bank rebranding | 2019 Jusan Bank founding post-First Heartland Securities acquisition of Tsesnabank |
Status
Active, Kazakhstan's largest commercial bank + 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY + 100% online customer onboarding without branch visit + Halyk Super-App all-pervasive Kazakhstani daily-use super-app [1, 2, 3]:
- Halyk Bank of Kazakhstan (KASE: HSBK; LSE: HSBK; Kazakhstan's largest commercial bank; Almex JSC majority controlling) since 1923 Halyk Bank founding as a savings bank (Sberbank-Kazakhstan lineage) + 1993 Halyk Bank renamed Halyk Bank of Kazakhstan + Dec 13 2006 Halyk Bank LSE GDR + KASE IPO under ticker HSBK + Jul 2018 Halyk Bank + Kazkommertsbank merger + 2014 Homebank mobile banking app launch.
- Halyk Bank 10.9M active retail customers + 6.3M Homebank MAU +29.9% YoY.
- Halyk Super-App all-pervasive Kazakhstani daily-use super-app.
- NBK + ARDFM regulated.
Sources
- 1 Kazakhstan's largest bank — Halyk Bank
- 2 The all-pervasive Halyk Super-App — Banking Frontiers
- 3 Kazakhstan's Halyk Bank Upgrades the Digital Service Experience with Huawei OceanStor Dorado All-Flash Storage — Huawei Enterprise
- kz-cro In-corpus:
reports/countries/KZ-kazakhstan.md
Source
Biography extracted from halyk-bank.md. See matrix.md for standards-support matrix if present.