Director/PDMR Shareholding

1

Details of the person discharging managerial responsibilities / person closely associated

a)

Name

MR MIKHEIL LOMTADZE

2

Reason for the notification

a)

Position/status

CHIEF EXECUTIVE OFFICER, MEMBER OF THE BOARD

b)

Initial notification /Amendment

INITIAL

3

Details of the issuer

a)

Name

JOINT STOCK COMPANY KASPI.KZ

b)

LEI

2549003YU6FARG8OAZ13

4

Details of the transaction(s): section to be repeated for (i) each type of instrument; (ii) each type of transaction; (iii) each date; and (iv) each place where transactions have been conducted

a)

Description of the financial instrument, type of instrument

AMERICAN DEPOSITARY SHARES REPRESENTING COMMON SHARES

b)

Nature of the transaction

SALE

c)

Price(s) and volume(s)

d)

Aggregated information

- Aggregated volume - Price

AS IN 4(C)

e)

Date of the transaction

23 JANUARY 2024

f)

Place of the transaction

PUBLIC OFFERING

1

Details of the person discharging managerial responsibilities / person closely associated

a)

Name

MR VYACHESLAV KIM

2

Reason for the notification

a)

Position/status

CHAIRMAN OF THE BOARD OF DIRECTORS

b)

Initial notification /Amendment

INITIAL

3

Details of the issuer

a)

Name

JOINT STOCK COMPANY KASPI.KZ

b)

LEI

2549003YU6FARG8OAZ13

4

Details of the transaction(s): section to be repeated for (i) each type of instrument; (ii) each type of transaction; (iii) each date; and (iv) each place where transactions have been conducted

a)

Description of the financial instrument, type of instrument

AMERICAN DEPOSITARY SHARES REPRESENTING COMMON SHARES

b)

Nature of the transaction

SALE

c)

Price(s) and volume(s)

d)

Aggregated information

- Aggregated volume - Price

AS IN 4(C)

e)

Date of the transaction

23 JANUARY 2024

f)

Place of the transaction

PUBLIC OFFERING