Q4 2021 Kaspi.kz AO Earnings Call Transcript
Good afternoon, everybody, or good morning. Thanks a lot for your time today. Sorry, we are a little bit late starting the call.
As usual, I'm David Ferguson from Kaspi joined by Mikhail Lomtadze, CEO and Co-Founder; Tengiz Mosidze, CFO and Deputy CEO; and Yuri Didenko, also Deputy CEO. We will run through the presentation quickly. Plenty of time for Q&A at the end.
And on that note, I will just hand it straight over to Mikhail.
Hello, everyone. So traditionally, I would like to go through some of the strategic things that we have done during the year and the last quarter.
So the results for 2021 are strong, and we had an excellent quarter. We have the growth across all the platforms and services. So payments are up 99% in RTPV, the revenue, plus 80% net income plus 92% in a marketplace has shown a very strong growth. 78% on GMV; 76% on revenue net income again driven by operating leverage growing faster at 79%.
And
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