Kaspi.kz (NasdaqGS:KSPI) Q4 2025 Earnings call March 02, 2026 08:00 AM ET Speaker0Presentation. Please go ahead. All right, thank you, Harry. Good morning, good afternoon to everyone on the call. Welcome to Kaspi's fourth quarter and full year 2025 financial results. I'm David Ferguson from Kaspi. As usual, I'm joined by Mikhail Lomtadze, CEO and co-founder of Kaspi, Tengiz Mosidze, and Yuriy Didenko, the deputy CEOs of the company. We'll take you through the strategic highlights and financial results for t ...