Q3 2022 Halyk Bank AO Earnings Call Transcript
Good evening, ladies and gentlemen. Welcome to Halyk Bank's conference call on the presentation of financial results for the 9 months and the third quarter of 2022. The session will start with a presentation by the Halyk team and will be followed by a Q&A session. Please note that the call is being recorded.
Participants to today's call on Halyk Bank side are Ms. Umut Shayakhmetova, Chief Executive Officer; Mr. Murat Koshenov; Deputy CEO, Finance, Subsidiaries and International Activities; Mr. Roman Maszczyk, Deputy CEO, Compliance, Risk Management, Data Science and Collateral Chief Compliance Controller; Ms. Olga Vuros , Deputy CEO, Corporate Banking; Mr. Dauren Sartayev, Deputy CEO, SME Banking, Transaction Banking, PR and Marketing; Mr. Zhumabek Mamutov, Deputy CEO, Retail Banking and Soft Collection; Mr. Nariman Mukushev, Deputy CEO, Digital Government Services, Ecosystem and Customer Experience; Mr. Anton Musin, General Managing Director for IT and innovation; Mr. Almas Makhanov, Chief Risk
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