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 ...