3Q 2025 Results Kaspi.kz Consumer Super App Kaspi Pay Merchant Super App 10 November 2025 1 Disclaimer Cautionary Note Regarding Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the U.S. federal securities laws, which statements relate to our current expectations and views of future events. In some cases, these forward-looking statements can be identified by words or phrases such as "believe," "may," "might," "will," "expect," "estimate," "could," "shoul ...