2020 Annual Report

The 2020 Annual Report of JSC Kaspi.kz

Kaspi.kz's 2020 Annual Report has been submitted to the National Storage Mechanism on June 30, 2021 and is available for inspection at:

https://data.fca.org.uk/#/nsm/nationalstoragemechanism

The 2020 Annual Report is also available at Kaspi.kz's IR website:

https://ir.kaspi.kz/financial-information/

About Kaspi.kz

Kaspi.kz is the largest Payments, Marketplace and Fintech Ecosystem in Kazakhstan with a leading market share in each of its key services and products. At the core of the Kaspi.kz Ecosystem is the Kaspi.kz Super App, the leading mobile app in the country.

The Kaspi.kz Super App serves as a single gateway to all services and is an integral part of people's daily lives in Kazakhstan. As people's daily lives become increasingly digitalised, Super App usage is expected to grow supported by accelerating consumer adoption of cashless payments, e-Commerce and digital financial services.

Kaspi.kz's Ecosystem business model, where the growth and development of one service contributes to the growth and development of other services, creates a powerful virtuous cycle. A growing number of services being used by consumers results in synergies across all Platforms, structurally high profitability and creates a powerful self-reinforcing network effect, giving Kaspi.kz strong competitive advantages.

Kaspi.kz has been listed on the London Stock Exchange since 2020.

For further information [email protected] +44 7427 751 275