Exhibit 99.1 JOINT STOCK COMPANY KASPI.KZ Interim Condensed Consolidated Financial Information For the six months ended 30 June 2024 (Unaudited) Joint Stock Company Kaspi.kz Table of Contents | --- | --- | --- | |-----------------------------------------------------------------------------------------------------------------------------------------------|-------------|-------| | | | Page | | INTERIM CONDENSED CONSOLIDATED FINANCIAL INFORMATION FOR THE THREE AND SIX MONTHS ENDED 30 JUNE 2024 (UNAUDITED): | | ...

Joint Stock Company Kaspi.kz (OTC:KSPI) Q2 2024 Earnings Call Transcript July 22, 2024 8:00 AM ET Company Participants David Ferguson - MD, Head of IR Mikheil Lomtadze - CEO and Co-Founder Tengiz Mosidze - CFO Conference Call Participants Darrin Peller - Wolfe Research Reggie Smith - JPMorgan James Friedman - Susquehanna Soomit Datta - New Street Research Gabor Kemeny - Autonomous Research Mikhail Butkov - Goldman Sachs Can Demir - Wood & Company Operator Hello and welcome to the Kaspi.kz Second Quarter Fir ...

Kaspi.kz Consumer Super App 22 July, 2024 This presentation contains forward-looking statements within the meaning of the U.S. federal securities laws, which statements relate to our current expectations and views of future events. In some cases, these forward-looking statements can be identified by words or phrases such as "believe," "may," "might," "will," "expect," "estimate," "could," "should," "anticipate," "aim," "estimate," "intend," "plan," "believe," "potential," "prospective," "continue," "is/are ...

2Q 2024 Highlights To the shareholders of Kaspi.kz: User engagement continues to hit record levels, with our consumers transacting 72 times per month, payments transaction up 46% year-over-year and marketplace purchases up 38%. We always aim to do more for our customers and strong transaction activity in turn is resulting in rapid top-line momentum across our business. Another important area of focus for us, is merchant value-added services. This includes advertising, where we recently launched our brand ad ...

I believe e-commerce stocks will continue their resurgence in the second half of 2024. The likely catalyst for this move will be interest rate cuts tied to falling inflation. If borrowers have just a little more wiggle room, it's reasonable to expect that online shoppers will come back will full force and start buying in increasing volumes. There are still some e-commerce stocks that have very high growth and are valued at attractive prices. I think such stocks could follow in the footsteps of Amazon (NASDA ...

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 ...

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 ☐ 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 15(d) OF THE SECURITIES EXCHANGE ACT OF ...

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 ...

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 ...

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 ...