Kaspi in 2024 Lingering Risks from Fintech Since acquiring Kolesa.kz, Kaspi has been working to develop a holistic customer experience where Kaspi can serve every need of consumers related to automotive. From purchasing, financing, insuring, registering, to getting any auto parts a consumer might need, Kaspi can help. Year in and year out Kaspi has been able to leverage its existing platform to develop new businesses. Already this year, they are developing a first party ecar business and have already profit ...

Exhibit 99.1 JOINT STOCK COMPANY KASPI.KZ Consolidated Financial Statements For the years ended 31 December 2021, 2022 and 2023 Joint Stock Company Kaspi.kz Table of Contents Page CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED 31 DECEMBER 2021, 2022 AND 2023: Consolidated statements of profit or loss 1 Consolidated statements of other comprehensive income 2 Consolidated statements of financial position 3 Consolidated statements of changes in equity 4-5 Consolidated statements of cash flows 6 Notes to ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR Copy to: Tengiz Mosidze +7 727 3306710 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 1 ...

Joint Stock Company Kaspi.kz (OTC:KSPI) Q1 2024 Earnings Conference Call April 22, 2024 8:00 AM ET Company Participants David Ferguson - Managing Director, Head of Investor Relations Mikheil Lomtadze - Co-Founder and CEO Conference Call Participants Darrin Peller - Wolfe Research Gabor Kemeny - Autonomous Research James Friedman - SIG Reggie Smith - JPMorgan Operator Hello, everyone, and welcome to Kaspi's First Quarter 2024 Financial Results. My name is Harry and I'll be your operator today. [Operator Inst ...

Joint Stock Company Kaspi.kz (OTC:KSPI) Q4 2023 Earnings Conference Call February 26, 2024 8:00 AM ET Company Participants David Ferguson - Managing Director, Head of Investor Relations Mikheil Lomtadze - Chairman and Chief Executive Officer Conference Call Participants Gabor Kemeny - Autonomous Research James Friedman - SIG William Vu - Wolfe Research Joshua Samuel - Mawer Investment Management Sam Griffiths - Vergent Asset Management David Shapiro - Vanshap Capital Can Demir - Wood & Company Operator Hell ...