<SEC-DOCUMENT>0000950170-25-103549.txt : 20250806
<SEC-HEADER>0000950170-25-103549.hdr.sgml : 20250806
<ACCEPTANCE-DATETIME>20250806080143
ACCESSION NUMBER:		0000950170-25-103549
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250806
FILED AS OF DATE:		20250806
DATE AS OF CHANGE:		20250806

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Joint Stock Co Kaspi.kz
		CENTRAL INDEX KEY:			0001985487
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-BUSINESS SERVICES, NEC [7389]
		ORGANIZATION NAME:           	07 Trade & Services
		EIN:				000000000
		STATE OF INCORPORATION:			1P
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-41921
		FILM NUMBER:		251187548

	BUSINESS ADDRESS:	
		STREET 1:		154A NAURYZBAI BATYR STREET
		CITY:			ALMATY
		STATE:			1P
		ZIP:			050013
		BUSINESS PHONE:		7 727 3306710

	MAIL ADDRESS:	
		STREET 1:		154A NAURYZBAI BATYR STREET
		CITY:			ALMATY
		STATE:			1P
		ZIP:			050013
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>kaspi.kz_form_6-k_aug_06.htm
<DESCRIPTION>6-K
<TEXT>
<html>
 <head>
  <title>6-K</title>
 </head>
 <body style="padding:8px;margin:auto!important;z-index:0;-webkit-text-size-adjust:100%;position:relative;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;min-height:1in;position:relative;"></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:1pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">g</font><font style="color:#000000;white-space:pre-wrap;font-size:1pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;" id="section1"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:18pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">UNITED STATES</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:18pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">SECURITIES AND EXCHANGE COMMISSION</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">WASHINGTON, D.C. 20549</font><font style="color:#000000;white-space:pre-wrap;font-size:4pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">________________________</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:18pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">FORM 6-K</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">________________________</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">UNDER THE SECURITIES EXCHANGE ACT OF 1934</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">For the month of August 2025</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">Commission File Number: 001-41921</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:4pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">_________________________</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:24pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">(Translation of registrant&#x2019;s name into English)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">______________________</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">	 	</font></p>
    <table style="margin-left:auto;border-spacing:0;table-layout:auto;width:23.0%;border-collapse:separate;margin-right:auto;">
     <tr style="visibility:collapse;">
      <td style="width:100%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:15.1pt;white-space:pre-wrap;word-break:break-word;text-align:left;">
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:top;padding-bottom:0in;padding-right:0.037in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-kerning:none;min-width:fit-content;">154A Nauryzbai Batyr Street</font></p></td>
     </tr>
     <tr style="height:15.1pt;white-space:pre-wrap;word-break:break-word;text-align:left;">
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:top;padding-bottom:0in;padding-right:0.037in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-kerning:none;min-width:fit-content;">Almaty, Kazakhstan</font></p></td>
     </tr>
     <tr style="height:15.1pt;white-space:pre-wrap;word-break:break-word;text-align:left;">
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:top;padding-bottom:0in;padding-right:0.037in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-kerning:none;min-width:fit-content;">050013</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">(Address of principal executive office)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:</font></p>
    <table style="margin-left:auto;border-spacing:0;table-layout:auto;width:41.0%;border-collapse:separate;margin-right:auto;">
     <tr style="visibility:collapse;">
      <td style="width:26.955%;box-sizing:content-box;"></td>
      <td style="width:10.938%;box-sizing:content-box;"></td>
      <td style="width:26.175%;box-sizing:content-box;"></td>
      <td style="width:26.175%;box-sizing:content-box;"></td>
      <td style="width:9.758%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:20.15pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:middle;padding-bottom:0in;padding-right:0.037in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">Form 20-F</font></p></td>
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:top;padding-bottom:0in;padding-right:0.037in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Segoe UI Symbol',sans-serif;font-kerning:none;min-width:fit-content;">&#9746;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:middle;padding-bottom:0in;padding-right:0.037in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">Form 40-F</font></p></td>
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:top;padding-bottom:0in;padding-right:0.037in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Segoe UI Symbol',sans-serif;font-kerning:none;min-width:fit-content;">&#9744;</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:8pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:8pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">1</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.5in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;min-height:1in;position:relative;"></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">EXPLANATORY NOTE</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">On August 06, 2025, Joint Stock Company Kaspi.kz (the &#x201c;Company,&#x201d; &#x201c;we&#x201d; or &#x201c;us&#x201d;) published on its corporate website the interim condensed consolidated financial information for the six months ended 30 June 2025 (unaudited), furnished as Exhibit 99.1 herewith.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">This report of foreign private issuer on Form 6-K (the &#x201c;Form 6-K&#x201d;) is hereby incorporated by reference into the Company&#x2019;s registration statement on </font><a href="https://www.sec.gov/Archives/edgar/data/1985487/000119312524011116/d696007ds8.htm"><font style="color:#0000ff;white-space:pre-wrap;text-decoration:underline solid;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">Form S-8</font></a><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> (File No. 333-276609).</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"><br></font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;">Cautionary Statement Regarding Forward-Looking Statements</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;">This Form 6-K, including the exhibit furnished herewith, 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 &#x201c;believe,&#x201d; &#x201c;may,&#x201d; &#x201c;might,&#x201d; &#x201c;will,&#x201d; &#x201c;expect,&#x201d; &#x201c;estimate,&#x201d; &#x201c;could,&#x201d; &#x201c;should,&#x201d; &#x201c;anticipate,&#x201d; &#x201c;aim,&#x201d; &#x201c;estimate,&#x201d; &#x201c;intend,&#x201d; &#x201c;plan,&#x201d; &#x201c;believe,&#x201d; &#x201c;potential,&#x201d; &#x201c;prospective,&#x201d; &#x201c;continue,&#x201d; &#x201c;is/are likely to&#x201d; or other similar expressions. These forward-looking statements are subject to risks, uncertainties and assumptions, some of which are beyond our control. Therefore, you should not place undue reliance on these forward-looking statements. In addition, these forward-looking statements reflect our current views with respect to future events and are not a guarantee of future performance. Actual outcomes may differ materially from the information contained in the forward-looking statements as a result of a number of factors, including, without limitation, risks related to the following: our ability to attract sufficient new customers, engage and retain our existing customers or sell additional functionality, products and services to them on our platforms; our ability to maintain and improve the network effects of our Super App business model; our ability to improve or maintain technology infrastructure; our ability to successfully execute the new business model and reach profitability in certain of our operations; our ability to partner with sufficient new merchants or maintain relationships with our existing merchant partners; our ability to effectively manage the growth of our business and operations; developments affecting the financial services industry; our brand or trusted status of our platforms and Super Apps; our ability to retain and motivate our personnel and attract new talent, or to maintain our corporate culture; our ability to keep pace with rapid technological developments to provide innovative services; our ability to implement changes to our systems and operations necessary to capitalize on our future growth opportunities; changes in relationships with third-party providers, including software and hardware suppliers, delivery services, credit bureaus and debt collection agencies; our ability to compete successfully against existing or new competitors; our ability to integrate acquisitions, strategic alliances and investments and realize the benefits of such transactions; our ability to adequately obtain, maintain, enforce and protect our intellectual property and similar proprietary rights; risks related to Kazakhstan and the other countries in which we operate, including with regard to the evolving nature of the applicable legislative and regulatory framework and that of other jurisdictions in which we operate; our ability to obtain or retain certain licenses, permits and approvals in a timely manner; the significant influence of our existing shareholders and ability of ADS holders to influence corporate matters; differences between the rights of our shareholders, governed by Kazakhstan law and our charter, from the typical rights of shareholders under U.S. state laws; our ability to successfully remediate the existing material weaknesses in our internal control over financial reporting and our ability to establish and maintain an effective system of internal control over financial reporting; dependence on our subsidiaries for cash to fund our operations and expenses, including future dividend payments, if any; lack of protections for ADS holders compared to those afforded to shareholders of companies that are not &#x201c;foreign private issuers;&#x201d; the fact that the price of our ADSs might fluctuate significantly and that any future sales or ADSs or common shares may negatively impact the stock price; and risks related to other factors discussed under Item 3.D. &#x201c;Risk Factors&#x201d; in our Annual Report on Form 20-F filed with the U.S. Securities and Exchange Commission on March 10, 2025 and our other SEC filings we make from time to time.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;">We operate in an evolving environment. New risks emerge from time to time, and it is not possible for our management to predict all risks, nor can we assess the effect of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;">The forward-looking statements made in this Form 6-K relate only to events or information as of the date on which the statements are made in this Form 6-K. Except as required by law, we undertake no obligation to update or revise</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:8pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">2</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.5in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;min-height:1in;position:relative;"></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;">publicly any forward-looking statements, whether as a result of new information, future events or otherwise, after the date on which the statements are made or to reflect the occurrence of unanticipated events.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:8pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">3</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.5in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;min-height:1in;position:relative;"></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">SIGNATURES</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p>
    <table style="border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:60%;box-sizing:content-box;"></td>
      <td style="width:4%;box-sizing:content-box;"></td>
      <td style="width:36%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:10pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font></p></td>
     </tr>
     <tr style="height:10pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
     </tr>
     <tr style="height:10pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">August 06, 2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">By:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid #000000;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">/s/ Tengiz Mosidze</font></p></td>
     </tr>
     <tr style="height:10pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">Name: Tengiz Mosidze</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">Title: Chief Financial Officer</font><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">  </font></p></td>
     </tr>
     <tr style="height:10pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:8pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">4</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.5in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;min-height:1in;position:relative;"></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;box-sizing:content-box;margin-right:auto;padding-right:1in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">EXHIBIT INDEX</font></p><p style="text-indent:36pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">The following exhibit is furnished as part of this Form 6-K:</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font></p>
    <table style="border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:11.14%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:87.86%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:10pt;background-color:#ffffff;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:top;padding-bottom:0in;border-bottom:1.5pt solid #000000;padding-right:0.037in;text-align:left;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-kerning:none;min-width:fit-content;">No.</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0.021in;border-bottom:1.5pt solid #ffffff03;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid #000000;padding-right:0.037in;text-align:left;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-kerning:none;min-width:fit-content;">Description</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-kerning:none;min-width:fit-content;"> </font></p></td>
     </tr>
     <tr style="height:2.15pt;background-color:#cceeff;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:top;padding-bottom:0in;padding-right:0.037in;text-align:left;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;">99.1</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0.037in;vertical-align:top;padding-bottom:0in;padding-right:0.037in;text-align:right;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><a href="kspi-ex99_1.htm"><font style="color:#0000ff;white-space:pre-wrap;text-decoration:underline solid;font-kerning:none;min-width:fit-content;">Interim condensed consolidated financial information for the six months ended 30 June 2025 (unaudited).</font><font style="color:#0000ff;white-space:pre-wrap;font-kerning:none;min-width:fit-content;"> </font></a></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:8pt;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:1in;width:6.5in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:1in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:8pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">5</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.5in;page-break-after:always;">
 </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>kspi-ex99_1.htm
<DESCRIPTION>EX-99.1
<TEXT>
<html>
 <head>
  <title>EX-99.1</title>
 </head>
 <body style="padding:8px;margin:auto!important;z-index:0;-webkit-text-size-adjust:100%;position:relative;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:1pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Calibri',sans-serif;font-kerning:none;min-width:fit-content;">Exhibit 99.1</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:35.3pt;text-indent:24.5pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:16pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">JOINT STOCK COMPANY</font></p><p style="margin-left:35.3pt;text-indent:24.5pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:20pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KASPI.KZ</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:20pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:10.5pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:18pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:35.3pt;text-indent:24.5pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim Condensed Consolidated</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:35.3pt;text-indent:24.5pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial Information</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:35.3pt;text-indent:24.5pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the six months ended</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:35.3pt;text-indent:24.5pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025 (Unaudited)</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:12pt;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:1pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:16pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="padding-bottom:2pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Table of Contents</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Page</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="text-transform:uppercase;color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">interim condensed consolidated financial information</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="text-transform:uppercase;color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">FOR </font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">THE THREE AND</font><font style="text-transform:uppercase;color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> THE six </font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">MONTHS ENDED 30 JUNE </font><font style="text-transform:uppercase;color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025 (unaudited):</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:auto;border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;margin-right:auto;">
     <tr style="visibility:collapse;">
      <td style="width:93.94%;box-sizing:content-box;"></td>
      <td style="width:6.06%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:11pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim condensed consolidated statements of profit or loss (unaudited)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:11pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim condensed consolidated statements of other comprehensive income (unaudited)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:11pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim condensed consolidated statements of financial position (unaudited)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:11pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim condensed consolidated statements of changes in equity (unaudited)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:11pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim condensed consolidated statements of cash flows (unaudited)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7-8</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:11pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:20.15pt;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="margin-left:14.4pt;text-indent:-5.75pt;padding-left:5.75pt;font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Selected explanatory notes to the interim condensed consolidated financial information (unaudited)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:11pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">9-33</font></p></td>
     </tr>
    </table><p style="margin-left:14.15pt;text-indent:-5.65pt;padding-left:5.65pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim Condensed Consolidated Statements of Profit or Loss</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.03888888888888889in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:9pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT, except for earnings per share which are in KZT)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:1pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:36.791%;box-sizing:content-box;"></td>
      <td style="width:7.923%;box-sizing:content-box;"></td>
      <td style="width:13.577%;box-sizing:content-box;"></td>
      <td style="width:6.784%;box-sizing:content-box;"></td>
      <td style="width:6.784%;box-sizing:content-box;"></td>
      <td style="width:13.577%;box-sizing:content-box;"></td>
      <td style="width:6.784%;box-sizing:content-box;"></td>
      <td style="width:6.784%;box-sizing:content-box;"></td>
      <td style="width:0.998%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six Months Ended</font></p></td>
      <td colspan="3" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three Months Ended</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid #ffffff03;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8.65pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td rowspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid #ffffff03;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.02986111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.02986111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:3.6pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;display:none;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.02986111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.02986111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">REVENUE</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,5,17</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,152,051</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,789,352</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">599,237</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">967,501</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net fee revenue</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">578,065</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">741,205</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">302,913</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">387,464</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">490,137</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">709,033</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">249,836</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">381,069</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Retail revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">75,674</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">335,322</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">40,104</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">200,979</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other gains/(losses)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8,175</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,792</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,384</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,011)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">COSTS AND OPERATING EXPENSES</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,17</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(586,667)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,159,944)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(302,950)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(645,545)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(292,584)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(401,354)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(147,085)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(218,287)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transaction expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13,409)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(16,245)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,078)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,459)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cost of goods and services</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(135,698)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(479,665)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(72,620)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(278,688)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Technology &amp; product development</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(52,674)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(93,786)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(26,244)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(50,889)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Sales &amp; marketing</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(20,407)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(51,990)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(10,473)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(29,762)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">General &amp; administrative expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(15,165)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(34,476)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,773)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(17,523)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Provision expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(56,730)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(82,428)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(31,677)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(41,937)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid #ffffff03;padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">NET INCOME BEFORE TAX</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">565,384</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">629,408</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">296,287</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">321,956</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Income tax</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(99,327)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(116,730)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(53,670)</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(63,327)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">NET INCOME</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">466,057</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">512,678</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,617</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">258,629</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:1.5pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Attributable to:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Shareholders of the Company</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">458,150</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">509,383</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">238,551</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">257,327</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Non-controlling interest</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,907</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,295</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,066</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,302</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">NET INCOME</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">466,057</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">512,678</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,617</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">258,629</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:1.5pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Earnings per share</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Basic (KZT)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,416</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,675</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,256</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,348</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:57.6pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-57.6pt;padding-left:57.6pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Diluted (KZT)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,397</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,664</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,246</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,343</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:1.5pt solid #ffffff03;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim Condensed Consolidated Statements of Other Comprehensive Income</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.03888888888888889in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:9pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT, except for earnings per share which are in KZT)</font></p><p style="text-indent:35.45pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left; margin-left:0; margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:1pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;">
    <table style="border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:47.939%;box-sizing:content-box;"></td>
      <td style="width:13.003%;box-sizing:content-box;"></td>
      <td style="width:13.003%;box-sizing:content-box;"></td>
      <td style="width:12.035%;box-sizing:content-box;"></td>
      <td style="width:14.021%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06458333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six Months Ended</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06458333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three Months Ended</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06180555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06180555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06180555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06180555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06180555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06180555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06180555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06180555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">NET INCOME</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">466,057</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">512,678</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,617</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">258,629</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">OTHER COMPREHENSIVE INCOME</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Items that will not be reclassified subsequently to profit or loss</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:18pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Movement in investment revaluation reserve for equity instruments at FVTOCI</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">38</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(35)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">15</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(77)</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Items that may be reclassified subsequently to profit or loss:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Movement in investment revaluation reserve for debt instruments at FVTOCI:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Losses arising during the period, net of tax KZT Nil</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(20,021)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(83,662)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(52,386)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(20,944)</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Expected (credit losses)/recoveries recognized in profit or loss</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(259)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(252)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">35</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13)</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Reclassification of gains included in profit or loss, net of <br>tax KZT Nil</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,578</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,597</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,002</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,350</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Foreign exchange differences on translation of foreign operations</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(391)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,982</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(393)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,988</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other comprehensive loss for the period</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19,055)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(78,370)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(50,727)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(15,696)</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL COMPREHENSIVE INCOME</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">447,002</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">434,308</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">191,890</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,933</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Attributable to:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Shareholders of the Company</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">439,295</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">431,883</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">188,357</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">241,839</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Non-controlling interest</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,707</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,425</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,533</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,094</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL COMPREHENSIVE INCOME</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">447,002</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">434,308</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">191,890</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,933</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim Condensed Consolidated Statements of Financial Position</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025 (Unaudited)</font></p><p style="padding-bottom:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.5pt solid;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:1pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;">
    <table style="border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:60.8%;box-sizing:content-box;"></td>
      <td style="width:8.52%;box-sizing:content-box;"></td>
      <td style="width:15.34%;box-sizing:content-box;"></td>
      <td style="width:15.34%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June <br>2025</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ASSETS:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash and cash equivalents</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">9</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">619,470</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,077,948</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Mandatory cash balances with National Bank of</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">the Republic of Kazakhstan</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">57,307</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">77,122</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due from banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">37,908</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">44,669</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Investment securities and derivatives</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">10</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,506,831</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,197,615</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">11, 17</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,746,600</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,392,266</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Property, equipment and intangible assets</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">19</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">269,289</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">396,954</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Goodwill</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">19</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,438</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">569,485</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Inventory</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">19</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16,164</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">111,479</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other assets</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17, 19</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">106,094</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">180,487</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL ASSETS</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8,377,101</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">10,048,025</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">LIABILITIES AND EQUITY</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">LIABILITIES:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due to banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24,474</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">184,934</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Customer accounts</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">13, 17</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,561,950</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,696,338</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities issued</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">51,050</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">344,150</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Subordinated debt</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">62,416</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">62,389</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Trade liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">19</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22,454</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">304,335</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17, 19</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">81,896</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">426,217</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL LIABILITIES</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,804,240</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8,018,363</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">EQUITY:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Issued capital</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">14</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Treasury shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">14</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(151,521)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(148,092)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Additional paid-in-capital</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">506</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">506</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Revaluation reserve/(deficit) of financial assets and</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">other reserves</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">41,026</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(35,422)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share-based compensation reserve</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">15</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31,774</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16,780</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Retained earnings</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,465,295</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,990,530</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total equity attributable to Shareholders of the Company</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,517,224</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,954,446</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Non-controlling interest</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">55,637</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">75,216</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL EQUITY</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,572,861</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,029,662</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:11.5pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL LIABILITIES AND EQUITY</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8,377,101</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">10,048,025</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim Condensed Consolidated Statements of Changes in Equity</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:9pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:1pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:1pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;">
     <tr style="background-color:#ffffff;font-weight:bold;visibility:collapse;">
      <td style="width:20.92%;box-sizing:content-box;"></td>
      <td style="width:8.68%;box-sizing:content-box;"></td>
      <td style="width:8.68%;box-sizing:content-box;"></td>
      <td style="width:8.68%;box-sizing:content-box;"></td>
      <td style="width:10.28%;box-sizing:content-box;"></td>
      <td style="width:9.5%;box-sizing:content-box;"></td>
      <td style="width:7.22%;box-sizing:content-box;"></td>
      <td style="width:8.68%;box-sizing:content-box;"></td>
      <td style="width:8.68%;box-sizing:content-box;"></td>
      <td style="width:8.68%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Issued capital</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Treasury shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Additional paid-in-</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">capital</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Revaluation reserve/(deficit)  of financial assets and other reserves</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share-based compensation reserve</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Retained earnings</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total equity attributable to <br>Shareholders of the Company</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Non-controlling interest</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total equity</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Balance at 31 December 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(152,001)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">506</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">9,719</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">34,810</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,054,945</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,078,123</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">25,090</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,103,213</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net income</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">458,150</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">458,150</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,907</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">466,057</font></p></td>
     </tr>
     <tr style="height:7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other comprehensive loss</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(18,855)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(18,855)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(200)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19,055)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total comprehensive income</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(18,855)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">458,150</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">439,295</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,707</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">447,002</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Dividends declared</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(323,028)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(323,028)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(323,028)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Dividends declared by subsidiary to non-controlling interest</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,134)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,134)</font></p></td>
     </tr>
     <tr style="height:7.9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share options accrued</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,778</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,778</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,778</font></p></td>
     </tr>
     <tr style="height:5.05pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share options exercised</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,332</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19,999)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16,667</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:4.3pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share buy-back program</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,852)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,852)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,852)</font></p></td>
     </tr>
     <tr style="height:4.3pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Balance at 30 June 2024</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(151,521)</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">506</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(9,136)</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22,589</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,206,734</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,199,316</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31,663</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,230,979</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Balance at 31 December 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(151,521)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">506</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">41,026</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31,774</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,465,295</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,517,224</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">55,637</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,572,861</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net income</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">509,383</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">509,383</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,295</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">512,678</font></p></td>
     </tr>
     <tr style="height:6.5pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other comprehensive loss</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(77,500)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(77,500)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(870)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(78,370)</font></p></td>
     </tr>
     <tr style="height:6.5pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total comprehensive income</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(77,500)</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">509,383</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">431,883</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,425</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">434,308</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Acquisition of subsidiary with NCI</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,748</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,748</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other movements in equity</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,052</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,052</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,052</font></p></td>
     </tr>
     <tr style="height:7.9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Dividends declared by subsidiary to non-controlling interest</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(594)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(594)</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share options accrued</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,287</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,287</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,287</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share options exercised</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,429</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19,281)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">15,852</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:8.65pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Balance at 30 June 2025</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(148,092)</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">506</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(35,422)</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16,780</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,990,530</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,954,446</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">75,216</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,029,662</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:6.5pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:11.69in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim Condensed Consolidated Statements of Cash Flows</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:9pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;">
    <table style="border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:37.48%;box-sizing:content-box;"></td>
      <td style="width:34.1%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:27.42%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06736111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06736111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">CASH FLOWS FROM OPERATING ACTIVITIES:</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest received from loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">368,736</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03402777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">638,422</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other interest received</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">99,145</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03402777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">126,967</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest paid</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(284,414)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(381,109)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Expenses paid on obligatory insurance of individual deposits</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(6,073)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,198)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net fee revenue received</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.07013888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">584,267</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">758,199</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Retail revenue received</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.07013888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">75,674</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">335,322</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Sales &amp; marketing expenses paid</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(20,260)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(52,365)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other income received</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,693</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,911</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transaction expenses paid</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13,409)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(16,245)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cost of goods and services purchased</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(134,938)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(479,229)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Technology &amp; product development expenses paid</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(35,749)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(60,983)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">General &amp; administrative expenses paid</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(10,758)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(27,816)</font></p></td>
     </tr>
     <tr style="height:4.3pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:1pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:1pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:1pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:1pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash flows from operating activities before changes in operating assets <br>and liabilities</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">629,914</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">836,876</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Changes in operating assets and liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Decrease/(increase) in operating assets:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Mandatory cash balances with NBRK</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,312)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19,815)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due from banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(4,070)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(5,664)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial assets at FVTPL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,260)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(32,149)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(666,379)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(759,052)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Inventory</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(798)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,116</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other assets</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(17,448)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">11,909</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Increase/(decrease) in operating liabilities:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due to banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">26,860</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">160,222</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Customer accounts</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">244,847</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">121,685</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial liabilities at FVTPL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(547)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">979</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Trade liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(78)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">73,005</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(21,783)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">33,806</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash inflow from operating activities before income tax</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0798611111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">181,946</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.06319444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">427,918</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Income tax paid</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(82,153)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(102,935)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net cash inflow from operating activities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">99,793</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">324,983</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">CASH FLOWS FROM INVESTING ACTIVITIES:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Purchase of property, equipment and intangible assets</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(32,394)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(78,294)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Proceeds on sale of property and equipment</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.07013888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">148</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">153</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Proceeds on disposal of investment securities at FVTOCI</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">470,011</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.07291666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">359,272</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Purchase of investment securities at FVTOCI</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(394,144)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(142,980)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Acquisitions of subsidiaries, net of cash and cash equivalent acquired</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(265,716)</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.014583333333333334in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net cash (outflow)/inflow from investing activities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.021527777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">43,621</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(127,565)</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interim Condensed Consolidated Statements of Cash Flows (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:9pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;">
    <table style="border-spacing:0;table-layout:auto;width:100.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:34.56%;box-sizing:content-box;"></td>
      <td style="width:33.46%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:30.98%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:11.5pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
     </tr>
     <tr style="height:11.5pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">CASH FLOWS FROM FINANCING ACTIVITIES:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Proceeds from issue of debt securities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">326,047</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Dividends paid</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(323,028)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Dividends paid by subsidiary to non-controlling interest</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,134)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.01597222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(594)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Purchase of treasury shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,852)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Repayment of debt securities issued</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(51,195)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.01597222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(48,996)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net cash inflow/(outflow) from financing activities</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(378,209)</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">276,457</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.01597222222222222in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Effect of changes in foreign exchange rate on cash and cash equivalents</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">9,191</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.01597222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(15,397)</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.01597222222222222in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(225,604)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">458,478</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">CASH AND CASH EQUIVALENTS, beginning of period</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">820,466</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">619,470</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">CASH AND CASH EQUIVALENTS, end of period</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">594,862</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,077,948</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">1.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Corporate information</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Overview</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Kaspi.kz operates a two-sided Super App business model: the Kaspi.kz Super App for consumers and the Kaspi Pay Super App for merchants and entrepreneurs. Our offerings include payments, marketplace and fintech solutions for both consumers and merchants. Our business model, reinforced by our highly recognizable brand and continuing product innovation, generates powerful network effects, which has resulted in growth across all our platforms and strong financial performance.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Kaspi.kz Segments</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Our segment reporting is based on our three business platforms:</font></p><p style="margin-left:48.3pt;text-indent:-14pt;padding-left:14pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="margin-left:0.3298611111111111in;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:5.028777885140529%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Payments:</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> Our Payments Platform facilitates transactions between and among merchants and consumers. For consumers, our Payments Platform is a highly convenient way to pay for shopping transactions, regular household bills and make peer-to-peer payments. <br>For merchants, our Payments Platform enables them to accept payments online and in-store, issue and instantly settle invoices, pay suppliers and monitor merchants&#x2019; turnover. Our Payments Platform is our main customer acquisition tool and we consider it to be fundamental for high levels of customer engagement. Having achieved scale with consumers and merchants, our Payments Platform brings more value to consumers and merchants.</font></div></div><p style="margin-left:25.2pt;text-indent:-23.8pt;padding-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="margin-left:0.3298611111111111in;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:5.028777885140529%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Marketplace:</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> Our Marketplace Platform connects both online and offline merchants with consumers, enabling merchants to increase their sales through and allowing consumers to purchase a broad selection of products and services from a wide range of merchants. Marketplace has three main propositions &#x2014; m-Commerce, e-Commerce, and Kaspi Travel. m-Commerce brings a digital shopping experience to a merchant&#x2019;s physical location, while consumers can use e-Commerce to shop anywhere, anytime and typically with free delivery. Kaspi Travel allows consumers to book domestic and international flights, domestic rail tickets and international package holidays. All Marketplace services, except for T&uuml;rkiye, are integrated with our Fintech and Payments Platforms. Other than in e-Grocery (which enables consumers to order groceries through the Kaspi.kz Super App with home delivery), part of e-Cars (which facilitates buying and selling used cars), and T&uuml;rkiye Marketplace (which represents hybrid commerce model rooted in a unified 1P and 3P based catalogue), our Marketplace Platform is a &#x201c;3P&#x201d; model, enabling third-party merchants to sell their products directly to consumers.</font></div></div><p style="margin-left:25.2pt;text-indent:-23.8pt;padding-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="margin-left:0.3298611111111111in;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:5.028777885140529%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Fintech:</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> Our Fintech Platform provides consumers and merchants with BNPL, finance and deposit products. All our Fintech services can be accessed through our Super Apps, fully digitally, with users identified using Kaspi ID biometrics technology. We lend only in local currency and we fund our financing products mainly using deposit products, which are primarily local currency savings accounts. As we add more opportunities to transact with the Kaspi.kz Super App, we anticipate that consumers will keep more of their deposits <br>with us.</font></div></div></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">9</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Information about the group of companies</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz (&#x201c;the Company&#x201d; or &#x201c;the Group&#x201d;) was incorporated in the Republic of Kazakhstan in 2008. The Company is regulated by the National Bank of the Republic of Kazakhstan (&#x201c;NBRK&#x201d;) and the Agency of the Republic of Kazakhstan for Regulation and Development of Financial Market. The registered address of the Company is 154A, Nauryzbai Batyr street, Almaty, 050013, the Republic of Kazakhstan.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The Group structure did not change since 31 December 2024, except for acquisition of a 65.41% share in &#x201c;D-MARKET Electronic Services &amp; Trading&#x201d; (&#x201c;Hepsiburada&#x201d;) JSC on 29 January 2025 (&#x201c;the Closing Date&#x201d;) with the consideration of approximately USD 1,127 million. At the time the financial statements were authorized for issue, the Group had not yet completed the accounting for the acquisition of Hepsiburada.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;" id="ole_link3"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">On 27 March 2025 Kaspi.kz has signed a share purchase agreement with Rabobank Group, relating to the purchase of Rabobank&#x2019;s Turkish subsidiary Rabobank A.&#x15e;. The transaction is not material. Rabobank A.&#x15e;. is a fully licensed bank in T&uuml;rkiye which has neither borrowing or depositing clients nor a branch network. At the time the financial statements were authorized for issue, the agreement is subject to customary closing conditions and receipt of regulatory approval by certain Turkish government agencies.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The shareholders are as follows:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:66.647%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:3.039%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">%</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">%</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Baring Funds*</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24.69</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24.43</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Mikheil Lomtadze</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22.60</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22.51</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Vyacheslav Kim</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21.40</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21.32</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Public Investors</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">27.67</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">27.83</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Management</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3.64</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3.91</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">100.00</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">100.00</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">*</font><font style="color:#000000;white-space:pre-wrap;font-size:8pt;font-family:Arial;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, Asia Equity Partners Limited held 8.73% and 8.55% of total shares respectively, Fintech Partners Limited held 9.50% and 9.46% of total shares respectively, Baring Fintech Nexus Limited held 6.45% and 0% of total shares respectively, and European Investors Limited held 0% and 6.42% of total shares respectively, on behalf of Baring Funds</font><font style="color:#000000;white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">.</font></p><p style="margin-left:21.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">This interim condensed consolidated financial information was approved on 6 August 2025.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">2.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Basis of presentation </font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">This interim condensed consolidated financial information has been prepared in accordance with International Accounting Standard (&#x201c;IAS&#x201d;) 34, </font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Interim Financial Reporting</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">. This interim condensed consolidated financial information has been prepared on the assumption that the Group is a going concern, as the Group has the resources to continue in operation for at least the next twelve months. In making this assessment, management has considered a wide range of information in relation to present and future economic conditions, including projections of cash flows, profit and capital resources.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">10</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">This interim condensed consolidated financial information does not include all the information and disclosures required in the annual consolidated financial statements. The Group omitted disclosures, which would substantially duplicate the information contained in its audited annual consolidated financial statements for 2024 prepared in accordance with IFRS</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Accounting Standards as issued by the International Accounting Standards Board (IASB), such as accounting policies and details of accounts, which have not changed significantly in amount or composition.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The exchange rates at the period-end used by the Group in the preparation of the interim condensed consolidated financial information are as follows:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:93.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:67.666%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:2.02%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:7.8pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="text-indent:-7.8pt;padding-left:7.8pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:6.944444444444445E-4in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:7.8pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="text-indent:-7.8pt;padding-left:7.8pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:6.944444444444445E-4in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KZT/USD</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">525.11</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">519.64</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KZT/EUR</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">546.74</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">609.23</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KZT/TRY</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">13.08</font></p></td>
     </tr>
    </table><p style="margin-left:25.2pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Reclassification</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Certain prior period amounts have been reclassified in order to conform to the current period presentation. These reclassifications had no impact on previously reported statements of profit or loss, other comprehensive income, financial position, changes in equity and cash flows.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">3.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Material accounting policies</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">This interim condensed consolidated financial information has been prepared under the historical cost convention, except for the revaluation of certain properties and financial instruments.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The same accounting policies, presentation and methods of computation have been followed in this interim condensed consolidated financial information as were applied in the preparation of the Group&#x2019;s consolidated financial statements for the year ended 31 December 2024.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Adoption of new and revised Standards</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">New and revised IFRS Standards that are effective for the current year</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following amendments and interpretations are effective for the Group beginning <br>1 January 2025:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:67.68%;box-sizing:content-box;"></td>
      <td style="width:32.32%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Amendments to IAS 21- Lack of Exchangeability</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Amendments to the SASB standards to enhance their international applicability</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2025</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The above standards and interpretations were reviewed by the Group's management and determined to not have a significant effect on the consolidated financial information of the Group.</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">11</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">New and revised IFRS Standards in issue but not yet effective</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">At the date of authorisation of this financial information, the Group has not applied the following new and revised IFRS Accounting Standards as issued by the IASB Standards that have been issued but are not yet effective:</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:66.66%;box-sizing:content-box;"></td>
      <td style="width:33.34%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">New or revised standard or interpretation</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Applicable to annual reporting periods</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">beginning on or after</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Amendments IFRS 9 and IFRS 7 regarding the classification and measurement of financial instruments</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2026</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Annual Improvements to IFRS Accounting Standards &#x2014; Volume 11</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2026</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">IFRS 18 Presentation and Disclosures in Financial Statements</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2027</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">IFRS 19 Subsidiaries without Public Accountability: Disclosures</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2027</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The management does not expect that the adoption of the Standards listed above to have a material impact on the condensed consolidated financial information of the Group in future periods.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">4.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Revenue </font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Revenue includes fee revenue, interest revenue, retail revenue, rewards and other gains/(losses). Rewards earned by retail customers of the Group are deducted from revenue.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:41.828%;box-sizing:content-box;"></td>
      <td style="width:14.543%;box-sizing:content-box;"></td>
      <td style="width:14.543%;box-sizing:content-box;"></td>
      <td style="width:14.543%;box-sizing:content-box;"></td>
      <td style="width:14.543%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">REVENUE</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,152,051</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,789,352</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">599,237</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">967,501</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fee revenue</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">604,688</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">768,183</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">316,568</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">402,222</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">490,137</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">709,033</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">249,836</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">381,069</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Retail revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">75,674</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">335,322</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">40,104</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">200,979</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Rewards</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(26,623)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(26,978)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13,655)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(14,758)</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other gains/(losses)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8,175</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,792</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,384</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,011)</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:6pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Revenue by segments is presented below:</font></p><p style="margin-left:22.7pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.3402777777777778in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:41.481%;box-sizing:content-box;"></td>
      <td style="width:14.869%;box-sizing:content-box;"></td>
      <td style="width:14.55%;box-sizing:content-box;"></td>
      <td style="width:14.55%;box-sizing:content-box;"></td>
      <td style="width:14.55%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:13.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
     </tr>
     <tr style="height:7.9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:7.9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Payments</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">265,313</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">308,687</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">138,716</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">161,216</font></p></td>
     </tr>
     <tr style="height:12.25pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Payments fee revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">207,423</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">241,200</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">109,613</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">125,737</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">57,890</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">67,487</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">29,103</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">35,479</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Marketplace</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">319,056</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">808,433</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">168,606</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">459,088</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Marketplace fee revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,481</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">425,533</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">127,883</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">230,727</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Retail revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">75,674</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">335,322</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">40,104</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">200,979</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31,401</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">19,732</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other gains</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">901</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16,177</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">619</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,650</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fintech</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">598,086</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">713,528</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">307,485</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">370,717</font></p></td>
     </tr>
     <tr style="height:13.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">432,247</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">619,963</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">220,733</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">332,394</font></p></td>
     </tr>
     <tr style="height:10.1pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fintech fee revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">158,565</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">105,950</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">80,987</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">47,984</font></p></td>
     </tr>
     <tr style="height:6.5pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other gains/(losses)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,274</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(12,385)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,765</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(9,661)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Intergroup</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,781)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(14,318)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,915)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,762)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Segment Revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,178,674</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,816,330</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">612,892</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">982,259</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Rewards</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(26,623)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(26,978)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13,655)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(14,758)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">REVENUE</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,152,051</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,789,352</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">599,237</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">967,501</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the six months ended 30 June 2024 and 2025, intergroup represents Marketplace fee revenue that was offset by Marketing expense, for activities to attract customers of Fintech car loans. In addition, intergroup includes interest revenue generated by Marketplace and Payments platforms due to placement of free cash flow to term deposits in the Bank that is offset by interest expenses of Fintech.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the six months ended 30 June 2025, marketplace revenue attributable to T&uuml;rkiye, include marketplace fee revenue of KZT 116,704 million, retail revenue of KZT 235,408 million, interest revenue of KZT 23,890 million and other gains of KZT 15,792 million which are gains on the net monetary position. For the six months ended 30 June 2025, rewards attributable to T&uuml;rkiye is KZT 4,933 million.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three months ended 30 June 2025, marketplace revenue attributable to T&uuml;rkiye, include marketplace fee revenue of KZT 68,714 million, retail revenue of KZT 150,765 million, interest revenue of KZT 15,135 million and other gains of KZT 7,389 million which are gains on the net monetary position. For the three months ended 30 June 2025, rewards attributable to T&uuml;rkiye is KZT 3,726 million.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other gains (losses) are mainly due to net gains (losses) on foreign exchange operations, financial assets and liabilities. For the six months ended 30 June 2024 and 2025, the net gains (losses) on foreign exchange operations were KZT 1,445 million and KZT 1,406 million, respectively. For the three months ended 30 June 2024 and 2025, net gains (losses) on foreign exchange operations were KZT 522 million and KZT (9,180) million, respectively.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the six months ended 30 June 2024 and 2025, the net gains (losses) on financial assets and liabilities were KZT 5,336 million and KZT (16,186) million, respectively. For the three months ended 30 June 2024 and 2025, net gains (losses) on financial assets and liabilities were<br>KZT 4,950 million and KZT (2,126) million, respectively.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">  </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fee revenue and retail revenue are presented by timing of revenue recognition in the table below:</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.3368055555555556in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:46.091%;box-sizing:content-box;"></td>
      <td style="width:13.477%;box-sizing:content-box;"></td>
      <td style="width:13.477%;box-sizing:content-box;"></td>
      <td style="width:13.477%;box-sizing:content-box;"></td>
      <td style="width:13.477%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Goods and services transferred at point in time</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">510,052</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">975,154</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">269,614</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">542,802</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Payments fee revenue - Transaction Revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">191,897</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">223,572</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">101,627</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">116,821</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Marketplace fee revenue - Seller Fees</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,481</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">416,260</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">127,883</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">225,002</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Retail revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">75,674</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">335,322</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">40,104</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">200,979</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Goods and services transferred over time</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">174,091</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">132,851</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">88,973</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">62,625</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Payments fee revenue - Membership Revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">15,526</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,628</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,986</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8,916</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Marketplace fee revenue - Membership revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">9,273</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,725</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fintech fee revenue - Membership Revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,720</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,526</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">895</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">779</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fintech fee revenue - Fintech banking service fees</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">156,845</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">104,424</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">80,092</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">47,205</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL FEE AND RETAIL REVENUE</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">684,143</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,108,005</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">358,587</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">605,427</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">13</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">5.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Segment Reporting</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The Group reports its business in three operating segments.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following tables present the summary of each segments&#x2019; revenue and net income:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:46.102%;box-sizing:content-box;"></td>
      <td style="width:13.475%;box-sizing:content-box;"></td>
      <td style="width:13.475%;box-sizing:content-box;"></td>
      <td style="width:13.475%;box-sizing:content-box;"></td>
      <td style="width:13.475%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:41.05pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:7.9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.12152777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">SEGMENT REVENUE</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,178,674</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,816,330</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">612,892</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">982,259</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Payments</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">265,313</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">308,687</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">138,716</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">161,216</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Marketplace</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">319,056</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">808,433</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">168,606</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">459,088</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fintech</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">598,086</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">713,528</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">307,485</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">370,717</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Intergroup</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,781)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(14,318)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,915)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,762)</font></p></td>
     </tr>
     <tr style="height:7.9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:4.3pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">NET INCOME</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">466,057</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">512,678</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,617</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">258,629</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Payments</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">169,644</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">203,836</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">88,636</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">105,697</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Marketplace</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">148,888</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">149,919</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">77,546</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">70,477</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fintech</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">147,525</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">158,923</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">76,435</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">82,455</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Operating segments are identified based on how the Group manages the business on a day-to-day basis and the types of products and services provided. Operating segments are reported in a manner consistent with internal reports, which are reviewed and used by the management board (who are identified as Chief Operating Decision Makers, &#x201c;CODM&#x201d;). The operating performance measure of each operating segment is revenue and net income.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Expenses associated with share-based compensation are recognised across the segments.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following table presents the summary of share-based compensation expense by segments:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:42.549%;box-sizing:content-box;"></td>
      <td style="width:14.363%;box-sizing:content-box;"></td>
      <td style="width:14.363%;box-sizing:content-box;"></td>
      <td style="width:14.363%;box-sizing:content-box;"></td>
      <td style="width:14.363%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8.65pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">SHARE-BASED COMPENSATION</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,778)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(4,287)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,889)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,126)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Payments</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,935)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,651)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,467)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(820)</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Marketplace</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(996)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(915)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(501)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(455)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fintech</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,847)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,721)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,921)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(851)</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">14</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following tables present the summary of revenue, net income, and non-current assets (excluding financial instruments, deferred tax assets and other financial assets) by geographical market:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:42.549%;box-sizing:content-box;"></td>
      <td style="width:14.363%;box-sizing:content-box;"></td>
      <td style="width:14.363%;box-sizing:content-box;"></td>
      <td style="width:14.363%;box-sizing:content-box;"></td>
      <td style="width:14.363%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8.65pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">SEGMENT REVENUE</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,178,674</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,816,330</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">612,892</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">982,259</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Kazakhstan &amp; Other</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,178,674</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,419,601</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">612,892</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">734,115</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">T&uuml;rkiye</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">396,729</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">248,144</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:12pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">NET INCOME</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">466,057</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">512,678</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,617</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">258,629</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Kazakhstan &amp; Other</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">466,057</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">535,277</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">242,617</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">275,767</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">T&uuml;rkiye</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(22,599)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(17,138)</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:53.371%;box-sizing:content-box;"></td>
      <td style="width:2.761%;box-sizing:content-box;"></td>
      <td style="width:15.103%;box-sizing:content-box;"></td>
      <td style="width:14.383%;box-sizing:content-box;"></td>
      <td style="width:14.383%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04652777777777778in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.12152777777777778in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">NON-CURRENT ASSETS</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">284,909</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">417,139</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Kazakhstan &amp; Other</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">284,909</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">337,801</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">T&uuml;rkiye</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009722222222222222in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">79,338</font></p></td>
     </tr>
    </table><p style="margin-left:23.75pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Our geographic segments are Kazakhstan &amp; Other Countries (including Azerbaijan and Ukraine) and T&uuml;rkiye.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Revenue attributed to geographic market is based on the selling location. Non-current assets are based on the physical location of the assets as of the end of each year.</font></p><p style="margin-left:23.75pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.75pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">6.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Costs and operating expenses</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:42.56%;box-sizing:content-box;"></td>
      <td style="width:14.36%;box-sizing:content-box;"></td>
      <td style="width:14.36%;box-sizing:content-box;"></td>
      <td style="width:14.36%;box-sizing:content-box;"></td>
      <td style="width:14.36%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.059027777777777776in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:8.65pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">COSTS AND OPERATING EXPENSES</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(586,667)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,159,944)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(302,950)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(645,545)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(292,584)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(401,354)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(147,085)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(218,287)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transaction expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13,409)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(16,245)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,078)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,459)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cost of goods and services</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(135,698)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(479,665)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(72,620)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(278,688)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Technology &amp; product development</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(52,674)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(93,786)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(26,244)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(50,889)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Sales &amp; marketing</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(20,407)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(51,990)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(10,473)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(29,762)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">General &amp; administrative expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(15,165)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(34,476)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,773)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(17,523)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Provision expenses (Note 7)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(56,730)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(82,428)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(31,677)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(41,937)</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest expenses include interest expenses on customer accounts, mandatory insurance of retail deposits and interest expenses on debt securities, including subordinated debt and due to banks.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transaction expenses are mainly composed of the costs associated with accepting, processing and otherwise enabling payment transactions. Those costs include fees paid to payment processors, payment networks and various service providers.</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">15</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cost of goods and services include costs incurred to operate retail network, 24-hour call support and communication with customers, product packaging and delivery, and other expenses which can be attributed to the Group&#x2019;s operating activities related to the provision of the products and services. It also includes the price paid by us for consumer products, the subsequent sale of which generates Retail revenue.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Technology &amp; product development consist of staff and contractor costs that are incurred in connection with the research and development of new and maintenance of existing products and services, development, design, data science and maintenance of our products and services, and infrastructure costs. Infrastructure costs include depreciation of servers, networking equipment, data center, kartomats, postomats and payment equipment, rent, utilities, and other expenses necessary to support our technologies and platforms. Collectively, these costs reflect the investments we make in order to offer a wide variety of products and services to our customers.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Sales &amp; marketing consist primarily of online and offline advertising expenses, promotion expenses, staff costs and other expenses that are incurred directly to attract or retain consumers and merchants. It also includes our charity and sponsorship activities.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">General &amp; administrative expenses consist primarily of costs incurred to provide support to our business, including legal, human resources, finance, risk, compliance, executive, professional services fees, office facilities, and other support functions.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the six months ended 30 June 2025, costs and operating expenses attributable to T&uuml;rkiye, include interest expenses of KZT 47,421 million, cost of goods and services were KZT 289,951 million, technology &amp; product development were KZT 28,834 million, sales &amp; marketing were <br>KZT 24,594 million, general &amp; administrative expenses were KZT 16,297 million.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three months ended 30 June 2025, costs and operating expenses attributable to T&uuml;rkiye, include interest expenses of KZT 33,738 million, cost of goods and services were KZT 181,100 million, technology &amp; product development were KZT 17,959 million, sales &amp; marketing were <br>KZT 14,147 million, general &amp; administrative expenses were KZT 8,643 million.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Employee benefits, depreciation and amortization expenses and operating lease expenses are presented as follows:</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.29583333333333334in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:22.407%;box-sizing:content-box;"></td>
      <td style="width:10.174%;box-sizing:content-box;"></td>
      <td style="width:15.267%;box-sizing:content-box;"></td>
      <td style="width:13.23%;box-sizing:content-box;"></td>
      <td style="width:1.207%;box-sizing:content-box;"></td>
      <td style="width:0.987%;box-sizing:content-box;"></td>
      <td style="width:11.193%;box-sizing:content-box;"></td>
      <td style="width:15.277%;box-sizing:content-box;"></td>
      <td style="width:10.258%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="4" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="3" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="4" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="3" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
     </tr>
     <tr style="height:27.35pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Employee benefits</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Depreciation &amp; amortisation</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Operating <br>lease</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Employee benefits</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Depreciation &amp; amortisation</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Operating lease</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cost of goods and services</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13,869)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(626)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(36,073)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(756)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Technology &amp; product development</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(26,446)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(12,157)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,547)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(39,130)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(29,490)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(6,656)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Sales &amp; marketing</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,393)</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(69)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,223)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(140)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">General &amp; administrative expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,518)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,922)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(516)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(16,592)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(5,324)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,566)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(50,226)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(14,079)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,758)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(95,018)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(34,814)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(9,118)</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;">
    <table style="margin-left:0.29583333333333334in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:22.407%;box-sizing:content-box;"></td>
      <td style="width:10.174%;box-sizing:content-box;"></td>
      <td style="width:15.267%;box-sizing:content-box;"></td>
      <td style="width:13.23%;box-sizing:content-box;"></td>
      <td style="width:1.207%;box-sizing:content-box;"></td>
      <td style="width:0.987%;box-sizing:content-box;"></td>
      <td style="width:11.193%;box-sizing:content-box;"></td>
      <td style="width:15.277%;box-sizing:content-box;"></td>
      <td style="width:10.258%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="4" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="3" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months ended</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="4" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="3" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
     </tr>
     <tr style="height:27.35pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Employee benefits</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Depreciation &amp; amortisation</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Operating <br>lease</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Employee benefits</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Depreciation &amp; amortisation</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.051388888888888894in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Operating lease</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cost of goods and services</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,083)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(316)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(20,259)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(385)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Technology &amp; product development</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13,165)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(5,967)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,374)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(20,238)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(16,989)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,686)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Sales &amp; marketing</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(702)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(32)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,755)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(89)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">General &amp; administrative expenses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(4,480)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(942)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(272)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,056)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,983)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,015)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(25,430)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(6,909)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,994)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(50,308)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19,972)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(5,175)</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Expenses associated with share-based compensation are recognised across the functions in which the compensation recipients are employed. The following table sets forth an analysis of share-based compensation expense by function for the periods indicated:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.29583333333333334in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:37.732%;box-sizing:content-box;"></td>
      <td style="width:15.577%;box-sizing:content-box;"></td>
      <td style="width:15.577%;box-sizing:content-box;"></td>
      <td style="width:15.577%;box-sizing:content-box;"></td>
      <td style="width:15.537%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;text-indent:2.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="margin-left:2.65pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:8.65pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:141.95pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="text-indent:-141.95pt;padding-left:141.95pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:2.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="margin-left:2.65pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.018055555555555557in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">SHARE-BASED COMPENSATION</font></p></td>
      <td style="padding-top:0in;text-indent:141.95pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="text-indent:-141.95pt;padding-left:141.95pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,778)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(4,287)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,889)</font></p></td>
      <td style="padding-top:0in;text-indent:2.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="margin-left:2.65pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,126)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cost of goods and services</font></p></td>
      <td style="padding-top:0in;text-indent:141.95pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="text-indent:-141.95pt;padding-left:141.95pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(658)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(303)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(329)</font></p></td>
      <td style="padding-top:0in;text-indent:2.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="margin-left:2.65pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(159)</font></p></td>
     </tr>
     <tr style="height:7.2pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Technology &amp; product development</font></p></td>
      <td style="padding-top:0in;text-indent:141.95pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="text-indent:-141.95pt;padding-left:141.95pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(4,470)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,899)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,235)</font></p></td>
      <td style="padding-top:0in;text-indent:2.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="margin-left:2.65pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,434)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Sales &amp; marketing</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;text-indent:141.95pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="text-indent:-141.95pt;padding-left:141.95pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(270)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(113)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(135)</font></p></td>
      <td style="padding-top:0in;text-indent:2.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="margin-left:2.65pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(62)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.65pt;padding-left:5.65pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">General &amp; administrative expenses</font></p></td>
      <td style="padding-top:0in;text-indent:141.95pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="text-indent:-141.95pt;padding-left:141.95pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,380)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(972)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,190)</font></p></td>
      <td style="padding-top:0in;text-indent:2.65pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="margin-left:2.65pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(471)</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="margin-left:0.3298611111111111in;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:3.3047179264677013%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">7.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Provision expenses</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The movements in loss allowance for the six months ended 30 June 2024 were as follows:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.39375000000000004in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:14.547%;box-sizing:content-box;"></td>
      <td style="width:9.474%;box-sizing:content-box;"></td>
      <td style="width:9.474%;box-sizing:content-box;"></td>
      <td style="width:8.421%;box-sizing:content-box;"></td>
      <td style="width:7.368%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.505%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due from</font></p><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">banks</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial <br>assets at FVTOCI</font></p></td>
      <td style="padding-top:0in;text-indent:0.8pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.65pt;text-indent:-0.15pt;padding-left:0.15pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash and cash</font></p><p style="text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">equivalents</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other <br>assets</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Contin-gencies</font></p></td>
      <td colspan="6" style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 2</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 3</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">POCI</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 2</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 3</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 3</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 2</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loss allowance as at <br>31 December 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">59,939</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16,290</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">166,042</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">261</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">114</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">158</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,136</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">23</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,640</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">35</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">249,644</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Changes in provisions</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-Transfer to Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">20,791</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,974)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(17,817)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-Transfer to Stage 2</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(6,488)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">13,094</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(6,606)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-Transfer to Stage 3</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,693)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(10,981)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">19,674</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Net changes, resulting from changes in credit risk parameters</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(27,400)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">10,319</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">37,905</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">1,438</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(1)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">182</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(14)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(549)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">8</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">954</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(11)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">22,831</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">New assets issued or acquired</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">43,837</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">121</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">43,958</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Repaid assets (except for write-off)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(16,563)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(1,508)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(5,629)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(22,700)</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Modification effect</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">13,641</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">13,641</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Total effect on Consolidated Statements of Profit or Loss</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(125)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">8,811</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">45,917</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">1,438</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(1)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">303</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(14)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(549)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">8</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">954</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(11)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">56,730</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Write-off, net of recoveries / recoveries</font></p></td>
      <td style="padding-top:0in;text-indent:1.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="text-indent:-1.5pt;padding-left:1.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(28,593)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">668</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(27,925)</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Foreign exchange difference</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(2)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(2)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 30 June 2024</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">65,423</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24,240</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009027777777777779in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">178,615</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,699</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">417</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">144</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">587</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,262</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">278,447</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">18</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:11.69in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:28pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The movements in loss allowance for the six months ended 30 June 2025 were as follows:<br></font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.39375000000000004in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:14.442%;box-sizing:content-box;"></td>
      <td style="width:8.421%;box-sizing:content-box;"></td>
      <td style="width:8.421%;box-sizing:content-box;"></td>
      <td style="width:8.421%;box-sizing:content-box;"></td>
      <td style="width:7.368%;box-sizing:content-box;"></td>
      <td style="width:7.368%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:7.368%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:6.316%;box-sizing:content-box;"></td>
      <td style="width:5.895%;box-sizing:content-box;"></td>
      <td style="width:7.032%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due from</font></p><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">banks</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial <br>assets at FVTOCI</font></p></td>
      <td style="padding-top:0in;text-indent:0.8pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.65pt;text-indent:-0.15pt;padding-left:0.15pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash and cash</font></p><p style="text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">equivalents</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other <br>assets</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Contin-gencies</font></p></td>
      <td colspan="6" style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 2</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 3</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">POCI</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 2</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 3</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 3</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 2</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loss allowance as at <br>31 December 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">77,521</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22,378</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">193,759</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,185</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">451</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">140</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">587</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">42</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">8,570</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">305,640</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Changes in provisions</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-Transfer to Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22,550</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(17,148)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(5,403)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-Transfer to Stage 2</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(6,078)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">29,830</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(23,752)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-Transfer to Stage 3</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(184)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(18,965)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.010416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">19,149</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Net changes, resulting from changes in credit risk parameters</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(33,771)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">9,869</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">74,967</font></p></td>
      <td style="padding-top:0in;text-indent:0.15pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.15pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(767)</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(3)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(53)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(36)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(153)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">2,711</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">52,764</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">New assets issued</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">31,892</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">18</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.005555555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">31,910</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Repaid assets (except for write-off)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(20,494)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(713)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(4,272)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(28)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(25,507)</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Modification effect</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">23,261</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">23,261</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Total effect on Consolidated Statements of Profit or Loss</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(22,372)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">9,155</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">93,956</font></p></td>
      <td style="padding-top:0in;text-indent:0.15pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.15pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(767)</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(3)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(63)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(36)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(153)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">2,711</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">82,428</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Write-off, net of recoveries / recoveries</font></p></td>
      <td style="padding-top:0in;text-indent:1.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="text-indent:-1.5pt;padding-left:1.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(44,661)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(115)</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(44,776)</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">On acquisition of subsidiary</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">539</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">856</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:6.944444444444445E-4in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">2,783</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">4,178</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other changes</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(86)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(114)</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(496)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">902</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">206</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Foreign exchange difference</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.5pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.5pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(1)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(1)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.05pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;"><p style="margin-left:0.05pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 30 June 2025</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">71,890</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0020833333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">25,993</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009027777777777779in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">235,333</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,418</font></p></td>
      <td style="padding-top:0in;text-indent:0.3pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.3pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">388</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">104</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">434</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.008333333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">42</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12,068</font></p></td>
      <td style="padding-top:0in;text-indent:0.7pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="margin-left:0.7pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.006944444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004166666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">347,674</font></p></td>
     </tr>
    </table><p style="text-indent:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="text-indent:27.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net changes, resulting from changes in credit risk parameters include decrease of provisions due to partial repayment of loans.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="text-indent:27.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="text-indent:27.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, the allowance for impairment losses on financial assets at FVTOCI of KZT 1,178</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">million and</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="text-indent:27.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KZT 926 million, respectively, is included in the &#x2018;Revaluation reserve of financial assets and other reserves&#x2019; within equity.</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:10.309999999999999in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">19</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:11.69in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">8.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Earnings per share</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Earnings per share are determined by dividing the net income attributable to shareholders</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">of the Company by the weighted average number of common shares outstanding during the six months ended 30 June 2025. For the purpose of diluted earnings per share calculation, the Group considers dilutive effects of share-based compensation.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:69.686%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net income attributable to the shareholders of the Company</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">458,150</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">509,383</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Weighted average number of common shares for basic earnings per share</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">189,646,358</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">190,402,249</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Weighted average number of common shares for diluted earnings per share</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">191,101,618</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">191,226,496</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Earnings per share &#x2013; basic (KZT)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,416</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,675</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Earnings per share &#x2013; diluted (KZT)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,397</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,664</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Reconciliation of the number of shares used for basic and diluted earnings per share:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.3402777777777778in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:69.686%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Weighted average number of common shares for basic earnings per share</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.009027777777777779in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">189,646,358</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.009027777777777779in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">190,402,249</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0.075in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Number of potential common shares attributable to share-based compensation</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009027777777777779in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,455,260</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009027777777777779in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">824,247</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Weighted average number of common shares for diluted earnings per share</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009027777777777779in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">191,101,618</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.009027777777777779in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">191,226,496</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="margin-left:0.3298611111111111in;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:5.028777885140529%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">9.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash and cash equivalents</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:69.686%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:10.8pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash on hand</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">197,002</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">174,598</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Current accounts with other banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">108,246</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">379,879</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Short-term deposits with other banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">314,222</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">497,428</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Reverse repurchase agreements</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">26,043</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total cash and cash equivalents</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">619,470</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,077,948</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash on hand includes cash balances with ATMs and cash in transit.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, current accounts and short-term deposits with NBRK are KZT 192,102 million and KZT 405,763 million, respectively.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, the fair value of collateral of reverse repurchase agreements classified as cash and cash equivalents, are KZT Nil and KZT 26,043 million, respectively.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, restricted deposits included in due from banks with investment credit ratings (higher than &#x2018;BBB-&#x2018;) in favor of international payments systems were KZT 35,114 million and KZT 35,356 million, respectively.<br></font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">20</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="display:flex;margin-top:12pt;justify-content:flex-start;align-items:baseline;margin-bottom:3pt;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">10.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Investment securities and derivatives</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Investment securities and derivatives comprise:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:71.72%;box-sizing:content-box;"></td>
      <td style="width:14.14%;box-sizing:content-box;"></td>
      <td style="width:14.14%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total financial assets at FVTOCI</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,489,682</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,167,121</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total financial assets at FVTPL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,149</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">28,218</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total financial assets at amortized cost</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,276</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total investment securities and derivatives</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,506,831</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,197,615</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial assets at FVTOCI comprise:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December<br>2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04097222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,489,205</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04097222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,166,668</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Equity investments</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04097222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">477</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04097222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">453</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04097222222222222in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04097222222222222in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total financial assets at FVTOCI</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04097222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,489,682</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04097222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,167,121</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:42.869%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest <br>rate, %</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December <br>2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest <br>rate, %</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June <br>2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Bonds of the Ministry of Finance of <br>the Republic of Kazakhstan</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">0.60-16.70</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,192,962</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">0.60-15.35</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">818,347</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Corporate bonds</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2.00-15.88</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">292,364</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2.00-15.50</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">212,224</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Sovereign bonds of foreign countries</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">0.63-4.13</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,475</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">0.63-5.00</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">136,097</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Discount notes of the NBRK</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">14.62</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">404</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total debt securities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,489,205</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.052083333333333336in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,166,668</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities are graded according to their external credit ratings issued by an international rating agency, such as Standard and Poor&#x2019;s, Fitch and Moody&#x2019;s Investors Services and are graded as follows:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:43.3%;box-sizing:content-box;"></td>
      <td style="width:11.38%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:10.34%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:7.24%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:10.34%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:13.4%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;background-color:#ffffff;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">A- and</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;higher</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">BBB+ to BBB-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">BB+</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">to B-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Not</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">rated</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="background-color:#ffffff;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities as at 31 December 2024</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">36,415</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,373,391</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,957</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">74,442</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,489,205</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities as at 30 June 2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">161,916</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">941,516</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,764</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">58,472</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="background-color:#ffffff;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04027777777777777in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,166,668</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">      </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial assets at FVTPL comprise:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:66.647%;box-sizing:content-box;"></td>
      <td style="width:17.177%;box-sizing:content-box;"></td>
      <td style="width:3.039%;box-sizing:content-box;"></td>
      <td style="width:13.137%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.035416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.035416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.035416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.035416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.035416666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.035416666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Derivative financial instruments</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,149</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,754</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Investment funds</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21,464</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total financial assets at FVTPL</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,149</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">28,218</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 30 June 2025, financial assets at FVTPL included swap and spot instruments of KZT 4,416 million (31 December 2024: KZT 4,923 million) with a notional amount of KZT 131,679 million (31 December 2024: KZT 139,659 million) and forwards of KZT 2,338 million <br>(31 December 2024: KZT 12,226 million) with a notional amount of KZT 251,974 million <br>(31 December 2024: KZT 274,327 million).</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 30 June 2025, financial liabilities at FVTPL included swap and spot instruments of <br>KZT 1,057 million (31 December 2024: KZT 133 million) with a notional amount of KZT 131,678 million (31 December 2024: KZT 139,696 million) and forwards of KZT 195 million <br>(31 December 2024: KZT 129 million) with a notional amount of KZT 256,047 million <br>(31 December 2024: KZT 269,387 million).</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, investment securities were not pledged or restricted, except for bonds of the Ministry of Finance of the Republic of Kazakhstan, notes of NBRK and corporate bonds pledged under repurchase agreements with other banks totaling <br>KZT 24,474 million and KZT 152,574 million, respectively (Note 12).</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">11.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to customers</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:70.526%;box-sizing:content-box;"></td>
      <td style="width:14.316%;box-sizing:content-box;"></td>
      <td style="width:15.158%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Gross loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,042,443</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,726,900</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Less: allowance for impairment losses (Note 7)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(295,843)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(334,634)</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,746,600</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,392,266</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">All loans to customers issued by the Group were allocated to the Fintech segment for internal segment reporting purposes.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The Group did not provide loans which individually exceeded 10% of the Group&#x2019;s equity.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Movements in allowances for impairment losses on loans to customers for the six months ended 30 June 2024 and 2025 are disclosed in Note 7.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, accrued interest of KZT 68,558 million and KZT 87,687 million, respectively, was included in loans to customers.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans with principal or accrued interest in arrears for more than 90 days are classified as</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">non-performing loans (&#x201c;NPLs&#x201d;). These loans were classified in Stage 3. Allowance for impairment losses to NPLs reflects the Group&#x2019;s total provision as a percentage of NPLs. Considering the ratio represents allowance for impairment losses for all loans as a percentage of NPLs, the ratio can be more than 100%.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following table sets forth the Group&#x2019;s outstanding NPLs as compared to the total allowance for impairment losses on total loans to customers:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:55.549%;box-sizing:content-box;"></td>
      <td style="width:14.137%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Gross NPLs</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total allowance for impairment</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total allowance for impairment losses to</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Gross NPLs</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">327,730</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">295,843</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">90%</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 30 June 2025</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">390,864</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">334,634</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.03125in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">86%</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Provision expenses on loans to customers:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:42.268%;box-sizing:content-box;"></td>
      <td style="width:13.403%;box-sizing:content-box;"></td>
      <td style="width:13.403%;box-sizing:content-box;"></td>
      <td style="width:15.463%;box-sizing:content-box;"></td>
      <td style="width:15.463%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Three months</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ended</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Provision expenses on loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(56,040)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(79,972)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(31,118)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(39,813)</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The gross carrying amount and related allowance for impairment losses on loans to customers by stage were as follows:</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:43.889%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 2</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 3</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid #ffffff03;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12-month ECL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Lifetime <br>ECL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Lifetime <br>ECL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:8.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">POCI</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03888888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Gross loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,447,804</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">86,251</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">485,252</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">23,136</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,042,443</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Less: allowance for impairment losses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(77,521)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(22,378)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(193,759)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,185)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(295,843)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Carrying amount</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">as at 31 December 2024</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,370,283</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">63,873</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">291,493</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">20,951</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.011805555555555555in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,746,600</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:43.889%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
      <td style="width:11.222%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 1</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 2</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Stage 3</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid #ffffff03;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12-month ECL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Lifetime <br>ECL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Lifetime <br>ECL</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">POCI</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Gross loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,008,537</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">107,781</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">589,115</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21,467</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,726,900</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Less: allowance for impairment losses</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(71,890)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(25,993)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(235,333)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(1,418)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(334,634)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Carrying amount</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">as at 30 June 2025</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,936,647</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">81,788</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">353,782</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">20,049</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.004861111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,392,266</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">During the six months ended 30 June 2024 and 2025, the Group has restructured loans to customers, which were classified as NPLs, in the amount of KZT 57,678 million and<br>KZT 88,224 million, respectively, by providing an interest free extended repayment schedule.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">  </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">During the six months ended 30 June 2024 and 2025, KZT 26,398 million and KZT 50,254 million, respectively, of restructured loans were collected.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, the Group&#x2019;s restructured loans in Stage 3 amounted to the gross carrying amount of KZT 94,556 million and KZT 120,944 million, respectively.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, the Group&#x2019;s restructured loans in Stage 2 amounted to the gross carrying amount of KZT 18,009 million and KZT 16,365 million, respectively.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, the Group&#x2019;s restructured loans in Stage 1 amounted to the gross carrying amount of KZT 15,364 million and KZT 23,769 million, respectively.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, the Group&#x2019;s restructured loans recognised as POCI amounted to the gross carrying amount of KZT 23,136</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">million and KZT 21,467 million, respectively.</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">23</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">12.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due to banks</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:71.72%;box-sizing:content-box;"></td>
      <td style="width:14.14%;box-sizing:content-box;"></td>
      <td style="width:14.14%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Recorded at amortised cost:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Repurchase agreements</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24,151</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">152,574</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Time deposits of banks and other financial institutions</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">323</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">32,360</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total due to banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24,474</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">184,934</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, accrued interest of KZT 67 million and <br>KZT 348 million, respectively, was included in due to banks.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value of securities pledged as collateral of repurchase agreements, which were classified as due to banks as at 31 December 2024 and 30 June 2025, amounted to KZT 24,474 million and KZT 152,574 million, respectively.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">13.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Customer accounts</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:auto;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:70.7%;box-sizing:content-box;"></td>
      <td style="width:14.14%;box-sizing:content-box;"></td>
      <td style="width:14.14%;box-sizing:content-box;"></td>
      <td style="width:1.02%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Individuals</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Term deposits</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,328,125</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,556,936</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Current accounts</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">921,913</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">819,487</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total due to individuals</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,250,038</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,376,423</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Corporate customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Term deposits</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">106,010</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">122,983</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Current accounts</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">205,902</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">196,932</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total due to corporate customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">311,912</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">319,915</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total customer accounts</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,561,950</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04375in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,696,338</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, accrued interest of KZT 51,212 million and <br>KZT 59,187 million, respectively, was included in term deposits within customer accounts.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, customer accounts of KZT 83,654 million and<br>KZT 67,463 million, respectively, were held as prepayments on loans to customers.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, customer accounts of KZT 76,413 million<br>(1.16% of total customer accounts) and KZT 82,680 million (1.23% of total customer accounts), respectively, were due to the top twenty customers.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">  </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024 and 30 June 2025, customer accounts were predominately denominated in KZT, comprising 91% and 92%, respectively.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">14.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share capital</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The table below provides a reconciliation of the change in the number of authorised shares, issued and fully paid shares, treasury shares and shares outstanding:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:42.869%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Authorised shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Issued and fully paid shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Treasury shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Shares outstanding</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Common shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">216,742,000</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">199,500,000</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(10,166,535)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">189,333,465</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ADS options exercised (Note 15)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">747,178</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">747,178</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">GDR buyback program</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(64,914)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(64,914)</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">216,742,000</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">199,500,000</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(9,484,271)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">190,015,729</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ADS options exercised (Note 15)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">768,793</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">768,793</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">216,742,000</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">199,500,000</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(8,715,478)</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.0076388888888888895in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">190,784,522</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The Group accounts for GDRs repurchased in Treasury Shares component of Share Capital.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">One GDR represents one share.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following table summarizes the details of the GDR buyback programs:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:32.306%;box-sizing:content-box;"></td>
      <td style="width:17.704%;box-sizing:content-box;"></td>
      <td style="width:2.08%;box-sizing:content-box;"></td>
      <td style="width:15.623%;box-sizing:content-box;"></td>
      <td style="width:2.08%;box-sizing:content-box;"></td>
      <td style="width:14.583%;box-sizing:content-box;"></td>
      <td style="width:2.08%;box-sizing:content-box;"></td>
      <td style="width:13.543%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Start date</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Maturity <br>date</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Number of GDRs acquired</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.06041666666666666in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">amount paid</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1st buy-back program</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22 April 2022</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21 July 2022</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">998,429</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22,841</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2nd buy-back program</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22 July 2022</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21 October 2022</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">788,153</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21,325</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3rd buy-back program</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22 October 2022</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24 February 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,131,380</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">38,474</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4th buy-back program</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22 March 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21 July 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">531,995</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">18,740</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5th buy-back program</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22 July 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21 October 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">283,689</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12,614</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6th buy-back program</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22 October 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16 January 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">303,286</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">13,233</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,036,932</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">127,227</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The Company made certain amendments to its Deposit Agreement, pursuant to which, among others, it renamed Regulation S GDRs as ADSs, which amendments became effective on <br>18 January 2024. Pursuant to the amendments, the Company has an Amended Level III ADS Deposit Agreement among the Company, the Depositary and the Owners and Holders of ADSs, and an Amended Rule 144A GDR Deposit Agreement between the Company and the Depositary.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The table below provides a reconciliation of the change in outstanding share capital fully paid:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.3402777777777778in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:46.949%;box-sizing:content-box;"></td>
      <td style="width:1.02%;box-sizing:content-box;"></td>
      <td style="width:21.424%;box-sizing:content-box;"></td>
      <td style="width:14.283%;box-sizing:content-box;"></td>
      <td style="width:16.323%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Issued and</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">fully paid shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Treasury <br>shares</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.050694444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December 2023</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.05972222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(152,001)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(21,857)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ADS options exercised</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05972222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,332</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,332</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">GDR buyback program</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05972222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,852)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(2,852)</font></p></td>
     </tr>
     <tr style="height:10.1pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.05972222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(151,521)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(21,377)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ADS options exercised</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.05972222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,429</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,429</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Balance at 30 June 2025</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.05972222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">130,144</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(148,092)</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(17,948)</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">All shares are KZT denominated. The Group has one class of common shares which carry no right to fixed dividend.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:28.35pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">25</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">During the six months ended 30 June 2024 and 2025, the Group declared dividends of</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KZT 850 and KZT Nil per ordinary share for the total amount of KZT 323,028 million and</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KZT Nil, respectively.<br></font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:28.35pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">15.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share-based compensation </font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">In 2023, the share option program was expanded to include more senior executives and other core Group personnel. The share-based awards are used to attract, incentivize and retain employees over the long-term by the management of the Group.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Share-based compensation expense</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">According to IFRS 2, this accelerates the recognition of compensation expenses resulting in a higher proportion of expenses being recognised in the early years of overall plan.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">  </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">ADS Options</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The fair value of ADS options at the date of grant is determined using the Black-Scholes model. The fair value determined at the grant date is expensed over the five-year vesting period, based on the Group&#x2019;s estimate of the number of ADS options that will eventually vest. Recipients of ADS options are entitled to receive dividends once ADS options vested and exercised.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The inputs into the Black-Scholes model are as follows:</font></p><p style="margin-left:24.5pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:93.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:69.686%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Black-Scholes model inputs:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Weighted average share price in USD</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">68.4</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">92.7</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Expected volatility</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">42.1%</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">39.4%</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Risk-free rate</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4.3%</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5.3%</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Dividend yield</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7.0%</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6.5%</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Expected volatility is based on the historical share price volatility over the past 3 years.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following table summarizes the details of the ADS options outstanding:</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:93.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:69.686%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.027083333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;(ADSs)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.027083333333333334in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(ADSs)</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Outstanding at the beginning of the period</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,202,438</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,598,230</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Granted</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">142,970</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Forfeited</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(5,190)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Exercised</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(747,178)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(768,793)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Expired</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Outstanding at the end of the period</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,598,230</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.013194444444444444in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">824,247</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">26</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following table represents Share-based compensation reserve outstanding:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.35in;border-spacing:0;table-layout:auto;width:93.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:83.7%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:15.3%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;text-align:center;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share-Based</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Compensation reserve</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">34,810</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ADS options accrued</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16,963</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ADS options exercised</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19,999)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31,774</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ADS options accrued</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,287</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ADS options exercised</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19,281)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.75pt solid;padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">16,780</font></p></td>
     </tr>
    </table><h1 style="margin-left:22.4pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"></font>&#160;</h1><h1 style="margin-left:22.4pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"></font>&#160;</h1><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">16.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value of financial instruments </font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="margin-left:0.3298611111111111in;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-style:italic;font-kerning:none;min-width:5.028777885140529%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">a.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value of financial instruments </font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">IFRS Accounting Standards as issued by the IASB defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="margin-left:0.3298611111111111in;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-style:italic;font-kerning:none;min-width:5.028777885140529%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">b.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value of the Group's financial assets and financial liabilities measured at fair value on a recurring basis  </font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Some of the Group's financial assets and financial liabilities are measured at fair value at the end of each reporting period. The following table gives information about how the fair values of these financial assets and financial liabilities are determined (in particular, the valuation technique(s) and inputs used).</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:auto;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:31.64%;box-sizing:content-box;"></td>
      <td style="width:10.2%;box-sizing:content-box;"></td>
      <td style="width:10.2%;box-sizing:content-box;"></td>
      <td style="width:10.2%;box-sizing:content-box;"></td>
      <td style="width:37.76%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial assets/financial liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">as at</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value as at</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value hierarchy</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05416666666666667in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Valuation technique(s) and key input(s)</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Non-derivative financial assets at FVTOCI (Note 10)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">22,898</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">156,584</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 1</font></p></td>
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Quoted prices in an active market.</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Non-derivative financial assets at FVTOCI (Note 10)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,463,463</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,006,888</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Quoted prices in markets that are not active.</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Non-derivative financial assets at FVTOCI (Note 10)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,261</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,585</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 3</font></p></td>
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">DCF method with weighted average discount ratio 14.1%</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Unlisted equity investments classified as financial assets at FVTOCI (Note 10)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">60</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">64</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 3</font></p></td>
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Adjusted net assets based on most recent published financial statements of unlisted companies with discount for marketability and liquidity. Discount ratios varies from 10% to 30%.</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Derivative financial assets (Note 10)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,149</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,754</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">DCF method. Future cash flows are estimated based on forward exchange rates (from observable forward exchange rates at the end of the reporting period) and contract forward rates, discounted at a rate that reflects the credit risk of various counterparties.</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Investment funds at FVPTL (Note 10)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">21,464</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Quoted prices in markets that are not active.</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Derivative financial liabilities (Note 10)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">262</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04583333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,252</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:left;"><p style="font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:7.5pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">DCF method. Future cash flows are estimated based on forward exchange rates (from observable forward exchange rates at the end of the reporting period) and contract forward rates, discounted at a rate that reflects the credit risk of various counterparties.</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">27</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 31 December 2024, the fair value of the investment securities in Level 2 includes short-term and long-term sovereign debt securities of KZT 356,712 million and KZT 820,340 million, respectively.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">As at 30 June 2025, the fair value of the investment securities in Level 2 includes short-term<br>and long-term sovereign debt securities of KZT 129,161 million and KZT 672,553 million, respectively. Those investment securities are by nature and for regulatory purposes treated as high quality liquid assets, but are classified as Level 2 due to insufficient trading on regulated market.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">  </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:21.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The reconciliation of Level 3 fair value measurements of financial assets is presented as follows:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.35in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:47.411%;box-sizing:content-box;"></td>
      <td style="width:5.159%;box-sizing:content-box;"></td>
      <td style="width:31.954%;box-sizing:content-box;"></td>
      <td style="width:1.04%;box-sizing:content-box;"></td>
      <td style="width:14.437%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="3" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.024305555555555556in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value through other comprehensive income</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.024305555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Unquoted debt securities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.024305555555555556in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.024305555555555556in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1 January 2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,261</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,261</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total gains or losses:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">- in profit or loss</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">- in other comprehensive income</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">324</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">324</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Purchases</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Issues</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Disposals/settlements</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transfer into level 3</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transfers out of level 3</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">-</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,585</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:1pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,585</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">During the six months ended 30 June 2025, there were no transfers between Level 1, Level 2 and Level 3.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="margin-left:0.3298611111111111in;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-style:italic;font-kerning:none;min-width:5.028777885140529%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">c.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value of financial assets and financial liabilities that are not measured at fair value on a recurring basis (but fair value disclosures are required). </font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Except as detailed in the following table, management of the Group considers that the carrying amount of financial assets and financial liabilities recognised in the consolidated financial statements approximate their fair values.</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:35.72%;box-sizing:content-box;"></td>
      <td style="width:31.64%;box-sizing:content-box;"></td>
      <td style="width:1.02%;box-sizing:content-box;"></td>
      <td style="width:14.28%;box-sizing:content-box;"></td>
      <td style="width:1.02%;box-sizing:content-box;"></td>
      <td style="width:16.32%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="5" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December 2024</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Carrying</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">amount</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">value</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04791666666666667in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">hierarchy</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due from banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">37,908</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">37,330</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,746,600</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">5,663,357</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 3</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due to banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24,474</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">24,474</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Customer accounts</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,561,950</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,515,258</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities issued</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">51,050</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">49,838</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Subordinated debt</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">62,416</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:middle;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">60,645</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:96.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:35.72%;box-sizing:content-box;"></td>
      <td style="width:31.64%;box-sizing:content-box;"></td>
      <td style="width:1.02%;box-sizing:content-box;"></td>
      <td style="width:14.28%;box-sizing:content-box;"></td>
      <td style="width:1.02%;box-sizing:content-box;"></td>
      <td style="width:16.32%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="5" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.028472222222222218in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Carrying</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.028472222222222218in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">amount</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.028472222222222218in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.028472222222222218in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.028472222222222218in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">value</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.028472222222222218in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.028472222222222218in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Fair value</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.028472222222222218in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">hierarchy</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due from banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">44,669</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">44,204</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,392,266</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,394,697</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 3</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due to banks</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">184,934</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">184,934</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Customer accounts</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,696,338</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,641,917</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities issued</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">344,150</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">338,390</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Subordinated debt</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">62,389</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">62,389</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Level 2</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">28</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Assets and liabilities for which fair value approximates carrying value</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For financial assets and liabilities that have a short-term maturity (less than 3 months), it is assumed that the carrying amounts approximate to their fair value. This assumption is also applied to demand deposits and savings accounts without a maturity.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Due from banks</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The estimated fair value of term due from banks is determined by discounting the contractual cash flows using interest rates currently offered for due from banks with similar terms.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Loans to customers</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to individual customers are made at fixed rates. The fair value of fixed rate loans has been estimated by reference to the market rates available at the reporting date for loans with similar maturity profile.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Due to banks</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The estimated fair value of due to banks</font><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> i</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">s determined by discounting the contractual cash flows using interest rates currently offered for due to banks with similar terms.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Customer accounts</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The estimated fair value of term deposits is determined by discounting contractual cash flows using interest rates currently offered for deposits with similar terms. For current accounts which are non-interest bearing, the Group considers fair value to equal carrying value, which is equivalent to the amount payable on the balance sheet date.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Debt securities issued, subordinated debt</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Debt securities issued and subordinated debt are valued using quoted prices.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">In March 2025, the Group issued debt securities totaling USD 650 million at a fixed rate of 6.25% per annum and maturing in 2030.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">29</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">17.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transactions with related parties</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">In considering each possible related party relationship, attention is directed to the substance of the relationship, and not merely the legal form. The Group had the following transactions outstanding with related parties:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:37.373%;box-sizing:content-box;"></td>
      <td style="width:13.137%;box-sizing:content-box;"></td>
      <td style="width:18.176%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:16.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December 2024</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:left;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
     </tr>
     <tr style="height:36.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transactions with related parties</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">category</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">as per</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">financial statements captions</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transactions with related parties</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">category</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">as per</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">financial statements captions</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Consolidated statements of financial position</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Gross loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,103</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,042,443</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">730</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,726,900</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- entities controlled by the key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">1,103</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">730</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other assets</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,955</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">106,094</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">4,849</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">180,487</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- entities controlled by the key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">1,955</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">4,849</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Customer accounts</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12,120</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,561,950</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">7,366</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">6,696,338</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- entities controlled by the key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">2,846</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">1,486</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">9,146</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">5,831</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">other related parties</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">128</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">49</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:5.75pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">963</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">81,896</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,539</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">426,217</font></p></td>
     </tr>
     <tr style="height:2.9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- entities controlled by the key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">963</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">1,539</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;">
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:32.334%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:1%;box-sizing:content-box;"></td>
      <td style="width:19.196%;box-sizing:content-box;"></td>
      <td style="width:17.177%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:14.137%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="3" style="padding-top:0in;text-indent:0.8pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="margin-left:0.8pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2024</font></p></td>
      <td colspan="2" style="padding-top:0in;text-indent:0.8pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:left;"><p style="margin-left:0.8pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="border-top:0.75pt solid;padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.8pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="margin-left:0.8pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;text-indent:0.8pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="margin-left:0.8pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transactions with related parties</font></p></td>
      <td style="padding-top:0in;text-indent:0.8pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="margin-left:0.8pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.04513888888888889in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total <br>category <br>as per financial statements caption</font></p></td>
      <td style="padding-top:0in;text-indent:0.8pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="margin-left:0.8pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transactions with related parties</font></p></td>
      <td style="padding-top:0in;text-indent:0.8pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="margin-left:0.8pt;text-indent:0;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05486111111111111in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total <br>category <br>as per <br>financial statements caption</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Consolidated Statements of Profit or Loss</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Net fee revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,930</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">578,065</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,093</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">741,205</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- entities controlled by the key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,846</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,005</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">key management personnel <br>of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">84</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">88</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest revenue</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">108</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">490,137</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">87</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">709,033</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">&#160;-</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">other related parties</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">108</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">87</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">COSTS AND OPERATING EXPENSES</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Interest expense</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(403)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(292,584)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(494)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(401,354)</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- entities controlled by the key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(29)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(402)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(463)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">-</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">other related parties</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(1)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(2)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:4pt;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:0.7pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:12.25pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transaction expenses</font><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(40)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(13,409)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(127)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(16,245)</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- entities controlled by the key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(40)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(127)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:6.5pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cost of goods and services</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,549)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(135,698)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(3,319)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(479,665)</font></p></td>
     </tr>
     <tr style="height:8pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:12.25pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="margin-left:5.75pt;text-indent:-6.5pt;padding-left:6.5pt;font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">- entities controlled by the key management personnel of the Group</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(3,549)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(3,319)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:8pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:21.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">During the six months ended 30 June 2024 and 2025, the total value of goods purchased from entities controlled by the key management personnel was KZT 3,248 million and<br>KZT 3,811 million, respectively, from which KZT 3,194 million and KZT 3,105 million, respectively, was recognised in cost of goods and services.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">  </font></p><p style="margin-left:21.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:21.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">During the six months ended 30 June 2024 and 2025, the total value of Property, equipment and intangible assets purchased from entities controlled by the key management personnel was</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:21.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KZT 1,026 and KZT 75 million, respectively.</font></p><p style="margin-left:21.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:21.3pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Compensation to directors and other members of key management is presented as follows:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:95.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:34.707%;box-sizing:content-box;"></td>
      <td style="width:1.02%;box-sizing:content-box;"></td>
      <td style="width:15.303%;box-sizing:content-box;"></td>
      <td style="width:16.323%;box-sizing:content-box;"></td>
      <td style="width:3.061%;box-sizing:content-box;"></td>
      <td style="width:13.263%;box-sizing:content-box;"></td>
      <td style="width:16.323%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td colspan="2" style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Six months ended</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June 2025</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transactions with related parties</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total category as per financial statements captions</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Transactions with related parties</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03819444444444445in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total category as per financial statements captions</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Compensation to key management personnel:</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Employee benefits</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(211)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(50,226)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(278)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(95,018)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Share-based compensation</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(908)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(7,778)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(19)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(4,287)</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">18.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Regulatory matters</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The management of Kaspi Bank JSC (&#x201c;the Bank&#x201d; - subsidiary of the Company) monitors capital adequacy ratio based on requirements of standardised approach of Basel Committee of Banking Supervision &#x201c;Basel III: A global regulatory framework for more resilient banks and banking systems&#x201d; (December 2010, updated in June 2011).</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The capital adequacy ratios calculated on the basis of the Bank&#x2019;s consolidated financial statements under Basel III with updated RWA methodology are presented in the following table:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:66.647%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:3.039%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.05347222222222223in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Tier 1 capital (k1.2)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17.6%</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">18.6%</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total capital (k.2)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">18.3%</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.042361111111111106in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">18.6%</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The Bank complies with NBRK&#x2019;s capital requirements. The minimum regulatory capital adequacy requirements are 6.5% for k1.2 and 8% for k.2, excluding a conservation buffer of 3% and systemic buffer of 1% for each.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The following table presents the Bank&#x2019;s capital adequacy ratios in accordance with the NBRK requirements:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:66.647%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
      <td style="width:3.039%;box-sizing:content-box;"></td>
      <td style="width:15.157%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">31 December</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">30 June</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2024</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.75pt solid;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.049305555555555554in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2025</font></p></td>
     </tr>
     <tr style="white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="font-size:4pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Tier 1 capital (k1.2)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12.6%</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12.7%</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:5.75pt;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;"><p style="text-indent:-5.75pt;padding-left:5.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total capital (k.2)</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:top;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12.7%</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
      <td style="padding-top:0in;padding-left:0in;vertical-align:bottom;padding-bottom:0in;padding-right:0in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.03958333333333333in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">12.7%</font></p></td>
     </tr>
    </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">19.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Business combination</font></div></div><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">On 29 January 2025, we entered into select strategic alliance and potential strategic acquisition that is complementary to our business and operations, including opportunities that we believe can help us further improve growth across all our platforms and strong financial performance. The Group acquired 65.41% share in Hepsiburada.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The initial accounting for the acquisition of Hepsiburada has only been provisionally determined at the end of the reporting period. The main reason for being provisional is related to the reasonable time needed to obtain all of the information necessary to identify and measure net assets acquired, liabilities assumed and resulting goodwill, including the valuation of the acquired intangible assets. At the date of finalization of these interim condensed consolidated financial information, the necessary market valuations and other calculations had not been finalised and they have therefore only been provisionally determined based on the Group management&#x2019;s best estimate.</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">32</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="padding-top:0.49in;z-index:2;min-height:0.5in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Joint Stock Company Kaspi.kz</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:12pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Notes to the Interim Condensed Consolidated Financial Information (continued)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">For the three and six months ended 30 June 2024 and 2025 (Unaudited)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;border-bottom:0.75pt solid;margin-right:0.019444444444444445in;text-align:left;margin-left:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">(in millions of KZT)</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Verdana',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">	</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Verdana',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></div></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The amounts recognised in respect of the identifiable assets acquired and liabilities assumed as at the date of acquisition are set out in the table below:</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:82.34%;box-sizing:content-box;"></td>
      <td style="width:17.66%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">ASSETS:</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Cash and cash equivalents</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">43,962</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Financial assets at FVTPL</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">3,492</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due from banks</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">1,924</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Loans to customers</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">11,104</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Property, equipment and intangible assets</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">79,540</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Inventory</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">101,431</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other assets</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">79,419</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL ASSETS</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">320,872</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Due to banks</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">15,685</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Trade liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">208,877</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Other liabilities</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">46,411</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">TOTAL LIABILITIES</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">270,973</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:4.75pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="text-indent:-4.75pt;padding-left:4.75pt;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Total identifiable assets acquired and liabilities assumed</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.00625in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">49,899</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:8pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The non-controlling interest recognised at the acquisition date was measured by reference to the fair value</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">and amounted to KZT 17,748 million.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Tahoma',sans-serif;font-style:italic;font-kerning:none;min-width:fit-content;">Goodwill on acquisition</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p>
    <table style="margin-left:0.33055555555555555in;border-spacing:0;table-layout:auto;width:94.0%;border-collapse:separate;">
     <tr style="visibility:collapse;">
      <td style="width:82.12%;box-sizing:content-box;"></td>
      <td style="width:17.88%;box-sizing:content-box;"></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.15pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.15pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Consideration transferred</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">309,678</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.15pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.15pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Deferred Cash Consideration (recognised in Other liabilities)</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">271,972</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.15pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.15pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Plus: Non-controlling interests</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">17,748</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.15pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.15pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Less: Fair value of identifiable net assets acquired</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">(49,899)</font></p></td>
     </tr>
     <tr style="height:9pt;white-space:pre-wrap;word-break:break-word;">
      <td style="padding-top:0in;text-indent:0.15pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.15pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Foreign exchange translation differences</font></p></td>
      <td style="padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">2,542</font></p></td>
     </tr>
     <tr style="height:14.4pt;white-space:pre-wrap;word-break:break-word;">
      <td style="border-top:0.5pt solid;padding-top:0in;text-indent:0.15pt;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;"><p style="margin-left:0.15pt;text-indent:0;font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Goodwill on acquisition</font></p></td>
      <td style="border-top:0.5pt solid;padding-top:0in;padding-left:0.075in;vertical-align:bottom;padding-bottom:0in;padding-right:0.075in;text-align:center;"><p style="font-size:9pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;margin-right:0.003472222222222222in;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">552,041</font></p></td>
     </tr>
    </table><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Based on a provisional assessment of net assets, the Group has recognised goodwill on the acquisition transaction which amounted to KZT 552,041 million. The goodwill on acquisition is primarily related to sales growth from future product and service offerings, new customers and expected synergies from the combination, together with certain intangible assets, such as trademark, customer base. None of the goodwill is expected to be deductible for income tax purposes.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">The acquired business contributed revenues of KZT 398,578 million and net loss of</font><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;"> </font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">KZT 15,166 million to the Group for the period from 29 January 2025 to 30 June 2025. <br>If the acquisition had occurred on 1 January 2025, consolidated pro-forma revenue and net loss for the period ended 30 June 2025 would have been KZT 474,976 million and KZT 14,391 million, respectively.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:0.3298611111111111in;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:Tahoma;font-kerning:none;min-width:4.788%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">20.</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">Subsequent events</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">On 10 July 2025, the Bank fully repaid its outstanding subordinated debt under the fourth issue of third bond program.</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="margin-left:23.8pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:11pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">On 28 July 2025, USD 526.9 million, Deferred Cash Consideration on Hepsiburada acquisition, was paid to the Sellers in cash, the Group holds 66.35% of the voting rights in Hepsiburada. Collateral with respect to the Deferred Cash Consideration, 65,199,658 Class B shares of Hepsiburada, was released.</font></p></div></div>
  <div class="fixed-width-container" style="margin-left:auto;padding-left:0.79in;width:6.89in;margin-top:auto;box-sizing:content-box;margin-right:auto;padding-right:0.59in;"><div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.49in;min-height:0.3in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="border-top:0.5pt solid;padding-top:1pt;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:'Tahoma',sans-serif;font-kerning:none;min-width:fit-content;">33</font></p></div></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;width:8.27in;page-break-after:always;">
 </body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
