Q2 2021 Halyk Bank AO Earnings Call Transcript
Good evening, ladies and gentlemen. Welcome to Halyk Bank conference call on presentation of financial results for the 6 months of 2021. The session will start with the presentation by our team and will be followed up by a Q&A session. Please note that the call is being recorded.
Participants to today's call on Halyk Bank side are Ms. Umut Shayakhmetova, Chief Executive Officer; Mr. Anton Musin, First Deputy CEO, Digital Banking, Transactional Business and IT; Ms. Aliya Karpykova, Deputy CEO, Chief Financial Officer; Mr. Murat Koshenov, Deputy CEO, Corporate Banking and Financial International Activities; Mr. Dauren Sartayev, Deputy CEO, SME Banking, PR and Marketing; Mr. Zhumabek Mamutov, Deputy CEO, Retail Banking; Mr. Viktor Skryl, Financial Director, Finance and Subsidiaries; Mr. Almas Makhanov, Chief Risk Officer; Mira Kassenova, our Head of FI and IR; and myself, Margulan Tanirtayev, from IR team.
Now let me start with overview of Halyk Group consolidated financial results for the first half of -- and second quarter of
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