Halyk Bank AO (Halyk National Savings Bank of Kazakhstan JSC or Halyk Bank JSC) is a Kazakhstan-based company offering banking services to private and corporate clients. Its services include cash-settlements, loans, deposits, pensions, insurance, leasing, brokerage and asset management, safe deposit boxes, American Express checks, debit and credit cards, Internet banking and other services in national and foreign currencies. As of 31 December, 2008, the Bank operated through 15 branches (13 wholly owned) located on the territory of Kazakhstan, Russia, Kyrgyzstan, Mongolia, Kyrgyzstan, Georgia and the Netherlands.