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Joint Stock Company Kaspi.kz (OTC:KSPI) Q1 2025 Results Conference Call May 12, 2025 8:00 AM ET Company Participants David Ferguson - Managing Director Head of Investor Relations Mikheil Lomtadze - CEO and Co-Founder Yuri Didenko - Deputy CEO Tengiz Mosidze - Deputy CFO Conference Call Participants Ygal Arounian - Citi Darrin Peller - Wolfe Research Reggie Smith - JPMorgan Jamie Friedman - Susquehanna Gabor Kemeny - Autonomous Salman Ali - Fountainhead Partnership Operator Hello, and welcome everyone to the Kaspi.kz First Quarter 2025 Financial Results. [Operator Instructions] I will now hand you over to David Ferguson, Head of Investor Relations at Kaspi.kz to begin.
