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 ...