Q2 2025 Halyk Bank AO Earnings Call Transcript

Aug 19, 2025 / 01:00PM GMT

Transcript

Mira Tiyanak

Halyk Bank AO - Head of Financial Institutions, Investor Relations

Good day, ladies and gentlemen. Thank you for joining us on this conference call to review Halyk Bank's unaudited financial results for the first half of 2025. My name is Mira Tiyanak, and I am Head of FI and IR.

We have our executive team joining us on the call today, including Mr. Umut Shayakhmetova, Chief Executive Officer; Mr. Dauren Sartayev, First Deputy CEO for B2B Banking, Marketing NPR and Acquiring; Mr. Murat Koshenov, CFO and Deputy CEO for Finance Subsidiaries, Compliance and International Activities; Mr. Roman Maszczyk, Deputy CEO for Risk Management, Data Science and Collateral; and Ms. Olga Vuros, Deputy CEO for Corporate Banking; Mr. Nariman Mukushev, Deputy CEO for B2C Banking and Digital Government Services; Mr. Andrey Zavarzin, Deputy CEO for IT and Ecosystem; Mr. Viktor Skryl, Strategy Director; Mr. Almas Makhanov, Finance Director; and Rustam Telish, Nurgul Mukhadi from IR team.

The format for the call today is as follows. We will start with our presentation by Halyk team covering our

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