Core Insights - Freedom Bank Kazakhstan has launched an embedded eSIM miniapp within its SuperApp, allowing users to purchase, activate, and manage international mobile data plans directly through their banking interface [1][2] - This initiative is part of Freedom Bank's strategy to transform its SuperApp into a comprehensive lifestyle platform, integrating telecommunications capabilities to enhance user experience for travelers [2][3] Company Strategy - The integration of eSIM services aims to eliminate the challenges associated with traditional roaming and physical SIM cards, catering to both business and leisure travelers [2][3] - Freedom Bank has established itself as an innovator in the region, previously launching fully digital mortgages and investment-based cashback programs [3] Technical Infrastructure - The technical execution of the eSIM miniapp is powered by Boxo's superapp SDK, which facilitates the embedding of third-party miniapps, managing backend complexities such as carrier provisioning and global telecom partnerships [4][5] - Boxo's infrastructure allows Freedom Bank to rapidly deploy new services, enhancing the overall functionality of its digital ecosystem [4][5] Market Position - Freedom Bank is part of Freedom Holding Corp., a diversified financial group operating in 22 countries, with a digital ecosystem that includes banking, insurance, and marketplaces [5]

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Business Performance - Loan book grew by 8% QoQ, outperforming the industry growth of 7.6%[8] - Total deposits increased by 15% QoQ and 40% YoY[8] - US$ deposits reached record levels, up 31% QoQ and 56% YoY[8] - Net fee income increased by 7% QoQ and 9% YTD[8] Profitability and Asset Quality - The company experienced a net loss of 50 billion in 3Q25 due to increased Cost of Risk (COR)[8] - Net Interest Margin (NIM) declined to 11%[8] - NPL ratio increased to 3.9%[8] - Net COR was 6.4% in 3Q25 and 5.2% YTD[8] Strategic Initiatives and Capital - CET1 ratio stood at 13.2% as of September 2025, increasing to 14.5% by October 2025[8, 18] - The company continued to evolve its SuperApp[8] - Cost reduction of 2% QoQ and 12% YTD was achieved[8] Macroeconomic Context - The Central Bank Market Expectations Survey as of October 2025 projected inflation of 30%, an Fx eop at 1,532, and GDP growth of 3.9% in 2025[15, 19]