ALMATY, Kazakhstan, Sept. 24, 2024 (GLOBE NEWSWIRE) -- Kaspi.kz’s mission is to improve people’s lives by developing innovative mobile products and services. To deliver upon this we operate a unique two-sided Super App model – Kaspi.kz Super App for consumers and Kaspi Pay Super App for merchants. We are proud of the business we have built, which we are continuing to grow by serving consumers and businesses across Kazakhstan. Here are some important facts we think you should know about our business and our ...

ALMATY, Kazakhstan, Sept. 23, 2024 (GLOBE NEWSWIRE) -- Kaspi.kz (KSPI US) will report its financial results for the quarter and nine months ended September 30, 2024, on Monday, 21st October, 2024. On that day, management will hold a conference call and webcast at 8.00am EST (1pm GMT, 5.00pm Astana time) to review and discuss the company's results for the period. 3rd Quarter & 9 months 2024 Financial Results Conference Call Monday, 21st October, 2024 To pre-register for this call, please go to the following ...

ALMATY, Kazakhstan, Sept. 19, 2024 (GLOBE NEWSWIRE) -- The company is issuing the following statement following the research report published by Culper Research today: In our view, the report is misleading, inaccurate and misrepresents our business. Being the first company from Kazakhstan to successfully list on Nasdaq has obviously raised our profile amongst short sellers. For those investors who have known us over the years, our reputation speaks for itself. About Kaspi.kz Kaspi.kz’s mission is to improv ...

ALMATY, Kazakhstan, Sept. 19, 2024 (GLOBE NEWSWIRE) -- Kaspi.kz has received its first international credit rating. Fitch rates Kaspi.kz investment grade BBB- with a stable outlook. This rating is separate from Kaspi Bank, a component of Kaspi.kz’s Fintech Platform, which has been tracked by international rating agencies for many years. Fitch also rates Kaspi Bank investment grade BBB- with a stable outlook. According to Fitch, the rating reflects Kaspi.kz’s unique business profile, leading nationwide franc ...

ALMATY, Kazakhstan, Sept. 13, 2024 (GLOBE NEWSWIRE) -- Moody’s has upgraded its long-term deposit ratings to investment grade Baa3 from Ba1 with a stable outlook for Kaspi Bank, a core part of Kaspi.kz’s Fintech Platform. Moody’s cited sound profitability, liquidity and the resilience of Kaspi.kz’s proven business model including Fintech, Payments and Marketplace Platforms. According to Moody’s: Kaspi.kz’s proven business model has demonstrated resilience throughout the economic cycle.Kaspi.kz has sound fun ...

ALMATY, Kazakhstan, Aug. 27, 2024 (GLOBE NEWSWIRE) -- Joint Stock Company Kaspi.kz (“Kaspi.kz”) has sent a formal letter of interest to Uzbekistan’s State Assets Management Agency (“SAMA”), indicating its interest in participating in the upcoming privatization of the National Interbank Processing Center (“Humo”). SAMA has unveiled plans to privatize a 100% stake in the Humo payment system via a public negotiation process. Humo is one of two payment systems in Uzbekistan and enables all aspects of the paymen ...

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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 | | I ...

财务数据和关键指标变化 - 公司整体收入同比增长36%,净利润同比增长25% [10] - 支付业务交易额同比增长32%,收入同比增长23%,净利润同比增长22% [7] - 市场业务GMV同比增长62%,收入同比增长96%,净利润同比增长68% [8] - 金融科技业务交易额同比增长43%,收入同比增长23%,净利润同比增长2% [9] 各条业务线数据和关键指标变化 - 支付业务交易笔数同比增长46%,交易额同比增长32%,但QR码支付等新兴业务拉低了整体支付业务的平均手续费率 [20][21] - 市场业务交易笔数同比增长38%,GMV同比增长62%,电商业务GMV同比增长113% [23][24] - 金融科技业务交易额同比增长43%,贷款组合规模同比增长42%,不良贷款率维持在5.6%的较低水平 [31][32] 各个市场数据和关键指标变化 - 公司在阿拉木图、阿斯塔纳和钦州三大城市的业务占据了当地近一半的食品零售市场份额 [14] - 公司的旅游业务GMV同比增长33%,占总GMV的8%,并带来了较高的交易手续费 [25] 公司战略和发展方向及行业竞争 - 公司正在积极拓展新业务,如广告服务、分类信息服务和配送服务,这些增值服务已占总交易手续费的1.6%,同比增长4倍 [17] - 公司推出了品牌广告服务,针对品牌商和广告代理商提供品牌推广服务,这是公司新的收入来源 [18][19] - 公司正在考虑将业务拓展到哈萨克斯坦境外,但目前还在审慎评估合适的时机和目标市场 [35][41][42] 管理层对经营环境和未来前景的评论 - 公司在各个业务线上都实现了较快增长,特别是市场业务增长最快,成为公司最快增长的业务 [8][10][11] - 公司的电商杂货业务增长迅猛,活跃用户数翻倍,GMV和订单量同比大幅增长,公司正在积极扩大仓储能力以满足需求 [12][13][14] - 公司的旅游业务增长迅速,预计未来几个月内将保持强劲增长势头 [15][16] 其他重要信息 - 公司将在今年第四季度再次举办Juma大促活动,这是公司的重要营销活动 [26][27][28] - 公司正在积极探索跨境电商业务,但目前更专注于支持本地商家发展 [69][70] 问答环节重要的提问和回答 问题1 **Darrin Peller 提问** 询问公司下半年业绩预期中增速放缓的原因 [38][39] **David Ferguson 回答** 主要是由于第三季度没有Juma大促活动,而第四季度将有Juma大促,导致业绩增速在第三季度放缓,第四季度反弹 [39] 问题2 **Reggie Smith 提问** 询问公司品牌广告业务的进展情况 [44][45] **Mikheil Lomtadze 回答** 公司已经与一些FMCG品牌和本地品牌合作开展品牌广告业务,收入贡献还不大但增长迅速,未来会成为新的重要收入来源 [45][47] 问题3 **Can Demir 提问** 询问公司电商汽车业务和电商杂货业务的具体模式 [73][74][75] **Mikheil Lomtadze 回答** 电商汽车业务涵盖整车销售、零配件销售、维修等全方位服务,是公司重点发展的垂直领域 [74][75] 电商杂货业务采取自营仓配模式,已在3个主要城市开展,毛利率较高且增长迅速,但暂未提供BNPL服务 [75][77]

2Q 2024 Results Kaspi.kz Consumer Super App Kaspi Pay Merchant Super App 22 July, 2024 1 Disclaimer Cautionary Note Regarding Forward-Looking Statements 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," ...