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Timur Turlov
Timur Turlov is a Russian-born Kazakhstani entrepreneur and financier. He is the founder of Almaty-based Freedom Finance.
Vice President: Karaganda Refinery

Dinara Kulibayeva
Dinara Nursultanqyzy Nazarbayeva is a Kazakh billionaire heiress, businesswoman and the middle daughter of former Kazakh President Nursultan Nazarbayev
President: Karaganda Refinery

Vladimir Sergeyevich Kim
Vladimir Sergeyevich Kim is a Kazakhstani businessman and billionaire who is the richest person in Kazakhstan. He made his wealth in Kazakhstan's natural resources sector.
Head of Board: Karaganda Refinery

Timur Askaruly Kulibayev
is a Kazakh businessman. He is the son-in-law of former Kazakh president Nursultan Nazarbayev. He is known as Kazakhstan's "Oil Prince" due to his connections to Kazakh political elites and Kazakh state-owned energy companies
Finance Director: Karaganda Refinery

Bulat Zhamituly Utemuratov
Bulat Zhamituly Utemuratov is a Kazakh businessman
Export Director: Karaganda Refinery
THE BOOKS (it will be brief history of these leaders above)

Biography of Timur Turlov
Born in 1987, Timur Turlov holds a degree in economics. His career began at just16, working as a trader at the American investment company World Capital Investments (WCI). He later joined Uniastrum Bank, where he was instrumental in developing infrastructure for U.S. stock market access within the bank’s subsidiary.
The Freedom Ecosystem
Today, Freedom Holding Corp. operates as a global financial services company with offices in 22 countries and a robust financial ecosystem in Kazakhstan.
- Freedom Bank(Previous Kassa Nova Bank, was acquired in 2024): Offers innovative services like digital mortgages, online business loans, and the Freedom SuperApp, a one-stop platform for managing finances, purchasing insurance, applying for loans, and even booking airline tickets.
- Tradernet: A proprietary trading platform supporting Freedom brokers across jurisdictions in 16 languages. It leverages AI for issuer analysis, competitor benchmarking, and news evaluation.
- Freedom Pay: A cross-border payment solution operating in Uzbekistan, Kyrgyzstan, and Kazakhstan, designed to enhance business sales and customer experience.
- Freedom Life & Freedom Insurance: Online insurance providers with a growing customer base. Freedom Life’s endowment insurance is a bestseller, while Freedom Finance Insurance is pioneering an online car insurance payment system using DTP.kz.
- Freedom Telecom: A telecommunications leader offering broadband, 5G, and cutting-edge technologies like WiFi 6E/7 and air-to-ground internet for flights in Kazakhstan. By 2025, the company will lay over 300,000 kilometers of fiber optic cable and launch Freedom Media Platform, focusing on content creation and streaming services.
- Lifestyle and Retail: Includes Arbuz.kz (online supermarket), Aviata (travel booking), Freedom Mobile (electronics retail), Freedom Drive (driver-focused goods and services), and Ticketon (event ticketing).
Over 5 million customers worldwide use Freedom’s products and services.

Dinara Kulibayeva
Dinara Kulibayeva is a prominent Kazakh businesswoman and heiress, the daughter of former Kazakh President Nursultan Nazarbayev, known for co-owning Halyk Bank and various other investments with her husband, Timur Kulibayev. She holds advanced degrees in education and is an advocate for educational initiatives through her Nursultan Nazarbayev Educational Fund and the Montes Alti Foundation. Born in 1967, she also has a background in the arts and a variety of national and international honors.
- Full Name:Dinara Nursultanqyzy Nazarbayeva Kulibaeva
- Born:August 19, 1967, in Temirtau, Kazakh SSR, Soviet Union
- Parents:Nursultan Nazarbayev (father) and Sara Nazarbayeva (mother)
- Spouse:Timur Kulibayev
- Residence:Almaty, Kazakhstan
- Doctoral Dissertation:Methodological foundations of the management of the educational system of international schools.
- MBA:KIMEP University.
- Arts:Graduated from the Russian Institute of Theatre Arts (GITIS).
- Halyk Bank:She shares a majority holding in Kazakhstan’s largest bank with her husband.
- Oil and Gas:Their portfolio includes investments in oil and gas well construction and services.
- Investments:Benefits from other investments and holds assets in various industries.
- Nursultan Nazarbayev Educational Fund:Leads this foundation to promote education.
- Montes Alti Foundation:Founded this organization to support the education of children and young adults through teacher training, innovation, and arts.
- France:Knight of the Ordre des Palmes académiques.
- Kazakhstan:Order of the Leopard and Order of Parasat.
- Academician:Member of the National Academy of Sciences of the Republic of Kazakhstan.