Q3 2024 Halyk Bank AO Earnings Call Transcript

Nov 19, 2024

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Nov 19, 2024 / 02:00PM GMT
Mira Tiyanak - Halyk Bank AO - Head of Financial Institutions and IR

Good day, ladies and gentlemen. Thank you for joining us on this conference call to discuss Halyk Bank's interim results for the third quarter and the first nine months of 2024. I'm Mira Tiyanak, Head of FI and IR.

Joining me on the call today from our side are Mr. Umut Shayakhmetova, Chief Executive Officer; Mr. Murat Koshenov, Deputy CEO, Finance, Subsidiaries, Compliance and International Activities; Mr. Roman Maszczyk, Deputy CEO, Risk-Management, Data Science and Collateral; Ms. Olga Vuros, Deputy CEO, Corporate Banking; Mr. Dauren Sartayev, Deputy CEO; SME Banking, Transactional Banking, PR and Marketing; Mr. Nariman Mukushev, Deputy CEO, Retail Banking, Digital Government Services, Ecosystem and Customer Experience; Mr. Viktor Skryl, Strategy Director; Nurgul Mukhadi and Rustam Telish from IR team.

And we will begin this call today with a presentation by the Halyk Bank team followed by time for Q&A session. Please note that the call is being recorded.

First up, I would like to update you on progress

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