David Ferguson | executive |
Mikheil Lomtadze | executive |
Darrin Peller | analyst |
Gabor Kemeny | analyst |
Soomit Datta | analyst |
James Friedman | analyst |
Reginald Smith | analyst |
Mikhail Butkov | analyst |
David Shapiro | analyst |
Hello, and welcome to the Kaspi KZ 3Q and 9M 2024 Financial Results Conference Call. My name is Harry, and I'll be your operator today. [Operator Instructions]
I would now like to turn the call over to David Ferguson at Kaspi to begin. David, please go ahead when you're ready.