Q1 2021 Halyk Bank AO Earnings Call Transcript
Dear all, we are ready to kick off Halyk Bank First Quarter 2021 Results Call. The session will start with presentation by the management and will be followed by Q&A session. Please note that the call is being recorded. I'm now passing the word to Halyk Bank team.
Good evening, ladies and gentlemen. Welcome to Halyk Bank conference call and presentation on financial results for the first quarter of 2021. Participants to today's call from Halyk Bank side are Ms. Umut Shayakhmetova, Chief Executive Officer; Mr. Anton Musin, First Deputy CEO, Digital Banking, Transactional Business and IT; Ms. Aliya Karpykova, Deputy CEO, Chief Financial Officer; Mr. Murat Koshenov, Deputy CEO, Corporate Banking and International Activities; Mr. Dauren Sartayev, Deputy CEO, SME Banking, PR and Marketing; Mr. Zhumabek Mamutov, Deputy CEO, Retail Banking; Mr. Viktor Skryl, Financial Director, Finance and Subsidiaries; Mr. Almas Makhanov, Chief Risk Officer; Mira Kassenova, Head of FI and IR; and myself, Margulan Tanirtayev,
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