Operator

Hello, everybody, and welcome to the Kaspi.kz First Quarter 2026 Financial Results. My name is Elliot, and I'll be your coordinator today. [Operator Instructions] I would now like to hand over to David Ferguson, Head of Investor Relations at Kaspi. Please go ahead.

David Ferguson
Head of Investor Relations

Thank you, Elliot. Good morning, good afternoon, everyone. Welcome to Kaspi.kz's First Quarter 2026 Financial Results Call. I'm David Ferguson from Kaspi. As usual, with me on the call, I've got our Co-Founder and CEO, Mikheil Lomtadze; the rest of the management team, key members of the management team, Tengiz Mosidze; and Yuri Didenko, Deputy CEOs of the company.

We're going to do things a little bit differently to how we've done them in the past. So for today and going forward, we're going to make the first quarter and the third quarter calls, financial updates and where relevant, updates to the guidance. There's no change today. And then we'll keep the full year results and the interim results for more detailed calls where Mikheil will talk about the strategy, products, other initiatives going on in the company. So I think this should be a more efficient way of doing things, particularly I know a lot of you have multiple companies reporting at the same time, and it should make for more interesting full year and interim results calls.