Q4 2023 Kaspi.kz AO Earnings Call Transcript
Hello, everyone, and welcome to the Kaspi.kz 4Q FY '23 Financial Results Conference Call, and thank you for standing by. My name is Daisy, and I'll be your operator today. (Operator Instructions)
I would now like to hand the call over to your host, David Ferguson from Kaspi, to begin. So David, please go ahead.
Hey. Hi, everybody. Thank you, Daisy. So welcome to our full year 2023 results call. As usual, full team are on the call, we've got Mikheil Lomtadze, Tengiz Mosidze and Yuri Didenko. I'm David Ferguson from Kaspi. We'll do the usual format, Mikheil will run you through the strategic update. I'll take some of the financial slides, and then we'll open the call up to Q&A, and the whole team is available for your questions.
So on that note, I'll pass the call over to Mikheil. Mikheil, over to you.
Hello,
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