  RIFFr*  WEBPVP8X
       µ  Å  VP8 F  ÐE *¶ Æ >‘<™J%£"!¨s°	i ØÌ­/-vþ3û§í¿ž>Dý§œ¦;úÁÔ;ºÿ@ùµúýâ_ÀßñÀ{{ýÏ »öAêç¿ázzïôÿøßß¼o¾€õì°ë'Ÿ_ñü>Ñþ·ÉöËàúøïÙ³Üïð<uý}ìÒÛ÷GÙ!9¿¼uü¾}y-PrÌÓÓÑòáñ1Th~.‰>Yþ³.’«»©‘AçÁµÿŒ]³É$¬ÔÜj³ÊyçY›ˆ?u|Ôø¿_˜Q¾Yeû ×òZj#¹ý˜™œ°‚‘éT&InŸƒ›`dŸVÉ\Óhz­D$B¿šíÓa–9ÿ·8a9Iaàérwí²ú@bPÂÒ:Ì=ê û,óŒm=ðJ0µ§UhíôzèKô8ßÛ3\ÍÄK|÷ŒƒÙNØJFÅ’cþÏ!-ÍÄ/)EžæŸïCùüßškJì<ˆæ‘ö©ß+ô¨•%¢n¦—\m˜cdø÷üK«>­@t™¼:A"Þ©ÝÄ¡°»ó‘ptrôœ/i6lëŠ†h €÷ ¹#šHy¿¥†}Û¨ 2‘éÒƒÿ®s¾ây˜y•ÍTs°Àv80ÍQÍå c‹°G‘0»ŠæCÞ€h±4ÔÂÝ­FÄQ+¸¿L8à¤?B¢qŒÿ@ÒŸ>uæí+_Û@|é „zÓæ;ŒíÏÐ	ú/žùÓÉ¼Žü-›K8b¿RP þûöV~É§Ÿ^k¢yŸƒá'¡®¼&¼î¯Gp^ÙÊp’yó°_aV@·Ÿæ¤àSêª7F§¡Ó‹kM&æ\ú…á^(z¾x–yêŸLÃ'¨Ý(ÿÕ|²v°›áFÄ9DKç}?ëÞƒ¨ö§ÆyÀ¶vB®æ@-Ú“þîc™
:e¥dyÏP7*#ÕŸ6p»ã²œ 46Éµt~~.Z'Ù‘ôq9œÛg¸éF’„Ÿ0Z\íkƒÍ[»¤þ™JÿïV—í»I³¤ÎE©³ý^ÉÝBæåkŽ‹Ñ¾ïqÙž%‡wÎÝ“PŒ]¦Ùpø°DI›ìwÈÍüë>÷Ó¡›“²fD“h>ÑØÖ0&´YV©Ü‹e{5½ÐÿÖùg‡¯ßÒQÀûÞ]W•˜ÚÝ&bT—I–…ã©d,ë³Ü¯
é´HQþ/7²ð9rO.|1dÃù1ÿntUX¢¹¹¢ò“—ûó¥·)ž>ôÙM4PAdE˜zðáþó¨Ñ²-÷ôÊ(v_ŸI â‡g;J»À
A5ü+ã¶ïž¹jÕy)©ŽpdÆŒß%ôéµDÿ›´¨+r/s‘˜#¸ü› Ø;Ü„Si…Ý:Xº×vGÿýÜQS`Ó<v8ýË„ÁÅ*Îr
J2¤¡"ˆ:I¯?æë.v i?Näb‰Â{ÄÒþå[*^Ót($<Íàä—K,³˜(W¹••ßxÿW/RÇ­¼$ëÎ3lþ§uÛî¡ßî&AX£@Œ óåè~Êøl+<÷Õ`¤±Ç ¯cŠŒ#êX é~K#”æÐUüò¦EAcgÍËùE’Š¶‚dh’.T@!RˆH,:êœ¼ý ªJØ^x¦N®XeÆ˜¨Þ¦¥àoî\JE|‡…?9Ãp‹¶FÐé\Èá–¹Ó1ø¾>]vFårúCöA¶ãÚ^ŽRíÁ-mø{ô©à-ŽÒ`ZÛ=Cè½MëGšƒe¶}Í‹ËZ%4)r8Ü¬Ù/L6ÌVâƒI¡¢àÌë#Í‰ÛùiÈ‰	õýñ'bNH[î;^›Á×fîúâaý¿µ•Y¿«Åh÷az,é`³ã¿;ü¼fRe¤ƒr÷<øKÙ˜²Âž‹*Æ"‹RÃÚïj
HO,=ÆÉ0?WW~—vC°N’U¬I±0WGtS?'bB™^s£2öZ¦wÇµ˜C ßƒ	ßlÖÄõxâ/¶ãrˆ.	4Ü-–×çð<BÂÆ£FRÌ7xHŸm¼`vì]ì)Fô8ÄˆÔ(áíMivûH÷ÿ»#ÿàÛk‹£bÍb¦5ƒÄó4m‚‹é‡Ê÷„!;àVu7>AŠÁ?½½fƒ‘Y¦0?+Â¡a”Ø€L!dKÅ$ÚmZðŽz“Ä¥‹=ÂÎÞ‡¦ß3ÅV*¯ì^@)ŒsF!ZÂ˜¯Ú!ö{~–GJû©tv_ÿ~9K¦LqùŸät½’5±™mfNT%åà;ßá4;™ûo¤€vIgç#€‰0†à,»ø÷Ò“€œ@Ñí©LÉšGÕ¿"¶óUî·¥zWÆ,ž†û%e‰ÈfÌñ‚ÈÒÅíoŠôT¨@7Uÿ¡ÔWoÚ6(¹•Ìý&C'5'Cœ
“m¸[å6d%JtzÚ·ÐÆXÙE©ÃwÏ•SžÆ$*Y¸VzUHÝž\‰õm´™p´³¾ñL+¶¹gàóHÏ˜ü)™Ÿö½®ÊÒôÇ@6Y«Ò³“4–ë·R;×Œ Noï^ÆiÆÏý#ª¡˜n¯#àÄ@å¾ÜP$ÔžÒžs||¶ô	ýÈÐ[2ùÏüÕƒ«@ÃàøëbÙn×ÒH%“š®²ZO’H^>§«C¾z0 õRªÓSg‚ƒsõ+äa×T0ÉÔˆEØÛq÷ÔQ${êb¬
YQ¢bËûƒø!¨ª q2øb¬õïA4Ï¯åÖðŒ
¨ï»:ƒÇÉˆD‹°!(ÈŒ,ˆ;¬'ÎÞ²ù5HBÌõÿü›Ÿ§AµDuxGÍ¯ ²8lêÐûØÔ)4hl–¶SreWU<—:Ÿ·À’ ‡8üŸB~¡°ŸaíJJ³ºG×4à¶2ž’t0n¶%=ÖŠAlÐf·ßÎ{|Ö2Ÿ]o<èJd,¨­åˆŸÏ)ÑY¥ƒÎÌ%–YøÞ%dÔ:à>ÏòM"Ô|FvðÍMÙÞã$œ©Àþdy‚ÏuqÛz~‹„@vb=1S}²^2ñ‘Ê ëÆÖìO®FŸ¦¹ð¼ëšúó•ávš‡ïsÓtZ…(»1a2CK­%`ËÅnˆö%%jµ™§=èXb IÏ,Ó'îFü÷¬vÜ ŽrÅPzš€1yu/~§w®ZÓ› ¥î
±Ý iøN½ýSûsÙ¹Šd:³÷‚&õ,ˆHè»;–¨ÌY!.ÎÊ¦ŽÊì#FwjOÄ/ÈAüaÉzE‹þ¿ffÛÀWC\0Ûß·Z|(EŸj ;Y´2-&_óÏ’”{`~Zu¾k8|0G‘íÕëÈÍ‰ïF±åýàÏEdFm{*
™¸Œ¿^í
xp^r2&“”A˜ZQšŸ¾'#:GT¹ažë 
·ýÐ2¬ÏZ&m8àq¬¶Ížà“)4‰‹ +2‘iÍbu Ïîp÷¡Va½•¾VqRnÜlM‰‘}Cƒýª¯†ä ß½ŠeR1ý¿ÓûUÄÒšW ¹Z£ÜÀUŠaPÕ'ë%Àæ?°£åZë!M»]@‹"ÙMÛ¡Šð®—öž#à¡}ñò³€äâ 5t£§?}ÈgXý¢XÝjŽ¾bÉÝ´mtÒk®vní“càVIÎMøcùÈvkhTºð*çOÎãšJ(žX—Ì‚Ý;ã4¤ì:ü+­±…YK4¡rš÷tÝGýC	ìï$é2ê“­)™Ô\ÃKYØy,ÎÎº‡œtU‡Óu•‚9\VJ7æUgÉˆð}fôw¶zNÅ]<‘|Ðèö>ë{ˆ4En«Y»ó8PïÏHš3“ü¸D¥9ÝÌZÈ¯ÆìÓï¥V¢¥Ó-“pÉÓ´ìy×wÝLÚB£+áxRoÀŸH¶0 ƒp©[™uÞpqdWSéÏh§üÝ´ŠËê|þ>…5ÂŸ¬î?/w¨^Á¹Ö­‘£*fŒ5˜Òõ0÷ã´²d,ñ±º;©‹A¬gÚÆ)Ww?ÈÁïU¶ÏêíþÉ.oèÇ87²ííÒÒ¿ÓÇ.g¸¢†ÇKµN­'œ§¦­7WâÚ(f¨O «k -³ãèc\ñMrà>ã¨QÓù‹ðëÙ±¨Tî™c¿#Û¨Î7¶]mÒðRÁScV^«Ú¡q¤ûhÝïdÕ‘d»b÷‡æ«¿“žê½Y±+,*a“Íåè!º‰Àì 4øÀ`)Ñ¥5ï>ÓV‡‚ð)|÷•ž„ëâõ—‘…ZJn_ÉÇP<©ýWHÿlC¬%ª&…nõ vk6†Þb ƒÂpËCÜÃih·©káw‰t6]ÈœA„ÞÖ;<éÔ(‘1=¾YÞÐÛ”d;W¬…cÖšxÌ`sªj®S±)×¹ Öž<k‹Žªo[÷Áã¹Ál Ù‡nôòmøè1œ@®¹ìÊOn`†áÖb_¤¤¦Š~ß÷\´¥õ‰À?Þ02áW2eº§Å¶Æ^¯²ÛTè‹ØCcÅG~lU÷ix‘7¤Å)œx[ŠBÛR[ßd©é~µªúŽt„dâæ>€&KÂ^¦>$ŒSœKwC0ÚÆú%iKßc§÷³ÞGæÎUz:'¥ÖRÔh`f;R“¦»u•_H„À¼ã_¿k•öxcc£¨ßSPˆ\hOÆEL8Ú3vSA9íŠ¿Ì®Ò©æéßi’ƒã;
XTˆqâä¯:UöÓˆ² Æ+*‘Â¨°jsA²Ì¡çdÁ³{Ñ.7¢1¤p2hD0leæ“´_?Ù© Z€+1ö !Ç×\›ûOUUØ¤'J¯¡sI	á"‰Zã3AGÓ˜a#ñ´ß1ö¢A¥ÒÀ®Y†¢{:K$^x¾H3ßò<º6bOÇn¶(D¡êëàçLºƒòÝÛw¼_µ±iÃÆ*à]ÁéFáqjÅªØàŽLL"U ÈöÖò@'È`!f¨	Z†íúš!ç; ”†Ä“+ý*þõuJò¢Ã¹¹uDuT=¾j±ØgÅG3/™
fé¦v‡àÝ£6:émóŒcâC’¬ðzqÙPÝxÏñC®æ;™\·Mç}­ù‡)%7®C>ÊM³§Ø«³å7´Ú&îçŠ¸é¥æ˜ÑÚþ,Âá?¾;Á¹°ÀÑV>òè‹g<ÐÓ³»³.­û“Ô*àBñ„ÅéU~U%+}Œd³S™,l.¶%ü– \X*$‚	kEO(¹šõ¥/¾ÔG–§œç$BË<€¸x~"˜R,5e^#dõè"Çu¤˜Úµÿ%2Á !‘gÝZZ¤…¿Ò™ÌåÄcjC2»qÅ¯Pñi–b„,ìÃLÂÊ
•,jšQ.Í‚«•E-:ÕÓñAÜ9WdÊ‘W¿Õ|øOÃiŠ@ÆÉZ èÞdŠ£É+Ù´ƒ£ÌŠÜ7dÑ )Ø+²VqS€]œ‡Qr c}"è`«f¬Ã³åv˜}ÞùGa¼w'A“d ŒlY”$25 ¸}).tWÙ°r<¾¨ÒD(LRäÞ–¥UÇ2£m†•™¾àÆå€	K¸|Ãe%V¨àPZ»åô4]b,§ pã]ÀÀBŸ‚úÄÃwª	zOTêZãÐ+Ë8ØþLUÜèÆ)Óub‘Ù"b?ŽØxë" [`™b*Îy*ÿ3àšcRzÉÈÑœ—Q€kÄ8å¸¡üÞÁ&Lø{ç[qW¨)DY€L£LBAÏÁÆ›Àm­_]e‚QZ´ï5MÌvnöqUR(¡4`ç‚fK‡;’‰ƒ}S2Di²6*v4ÉÁ}ù‰ùL+Â®«ø?YŒsY¨F]Å”¸a ¦]ž?ža¦ÃÜ¶&ç+Õc‚K53YrK+l\M¦.êöË%ô3â{3‘÷2²fêZ¹ž¸‘2~Ìí­,V5¢³ê£­£´¬†½n4‚w©í1[ôÚ(”Rª¦ªÌñ;ä×õùMOliNôo‡Î"´ÜÂØòIž‰÷zC9/ã‚Ñš.ÚŸp…Ö9¨ fÒ"Xh>e´|6Aƒr{að! öŸ°£±ru)2ÓUm8ïÖ£PÞ xõ†…z/ýD2ÕrôDâøºä•BÀŽw¾â|†«Ë ß4›5-I±?ðÁëþóŒíÜ¸ü.¬, dÙ§ÇZñ[Â±É_Ú•~ÀŠdS_© Á
£±˜   XMP   <?xpacket begin="ï»¿" id="W5M0MpCehiHzreSzNTczkc9d"?>
<x:xmpmeta xmlns:x="adobe:ns:meta/" x:xmptk="Adobe XMP Core 9.1-c001 79.2a0d8d9, 2023/03/14-11:19:46        ">
   <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#">
      <rdf:Description rdf:about=""
            xmlns:xmp="http://ns.adobe.com/xap/1.0/"
            xmlns:xmpMM="http://ns.adobe.com/xap/1.0/mm/"
            xmlns:dc="http://purl.org/dc/elements/1.1/"
            xmlns:pdf="http://ns.adobe.com/pdf/1.3/"
            xmlns:pdfx="http://ns.adobe.com/pdfx/1.3/">
         <xmp:ModifyDate>2024-04-30T13:14:18+05:00</xmp:ModifyDate>
         <xmp:CreateDate>2024-04-30T13:07:24+05:00</xmp:CreateDate>
         <xmp:MetadataDate>2024-04-30T13:14:18+05:00</xmp:MetadataDate>
         <xmp:CreatorTool>Acrobat PDFMaker 23 Ð´Ð»Ñ Word</xmp:CreatorTool>
         <xmpMM:DocumentID>uuid:31e3ef40-465a-4f91-bd5f-5b8f50cced93</xmpMM:DocumentID>
         <xmpMM:InstanceID>uuid:3be66f1e-706a-4285-aed7-abdd973489b2</xmpMM:InstanceID>
         <xmpMM:subject>
            <rdf:Seq>
               <rdf:li>34</rdf:li>
            </rdf:Seq>
         </xmpMM:subject>
         <dc:format>application/pdf</dc:format>
         <dc:description>
            <rdf:Alt>
               <rdf:li xml:lang="x-default"/>
            </rdf:Alt>
         </dc:description>
         <dc:creator>
            <rdf:Seq>
               <rdf:li>W&amp;C Users</rdf:li>
            </rdf:Seq>
         </dc:creator>
         <pdf:Producer>Adobe PDF Library 23.6.96</pdf:Producer>
         <pdf:Keywords/>
         <pdfx:SourceModified>D:20240430080151</pdfx:SourceModified>
         <pdfx:Company>White &amp; Case LLP</pdfx:Company>
         <pdfx:Comments/>
         <pdfx:WCFooterVersion>1</pdfx:WCFooterVersion>
         <pdfx:DocID>23</pdfx:DocID>
         <pdfx:NewIn2000>1</pdfx:NewIn2000>
         <pdfx:WC_LAST_MODIFIED>4/24/2024 10:04:56 AM</pdfx:WC_LAST_MODIFIED>
         <pdfx:Office>Manila</pdfx:Office>
         <pdfx:NRT_DocNumber>126559743</pdfx:NRT_DocNumber>
         <pdfx:NRT_DocVersion>12</pdfx:NRT_DocVersion>
         <pdfx:NRT_DocName>Kaspi - Form 20-F (WC Draft 4.22.24)</pdfx:NRT_DocName>
         <pdfx:NRT_AuthorDescription>Hernandez, Sarah</pdfx:NRT_AuthorDescription>
         <pdfx:NRT_Author>HERNASA</pdfx:NRT_Author>
         <pdfx:NRT_Operator>HERNASA</pdfx:NRT_Operator>
         <pdfx:NRT_Database>AMERICAS</pdfx:NRT_Database>
         <pdfx:NRT_ELITE_CLIENT>4430700</pdfx:NRT_ELITE_CLIENT>
         <pdfx:NRT_ELITE_MATTER>0397</pdfx:NRT_ELITE_MATTER>
         <pdfx:pDocRef>4430700-0397.HERNASA</pdfx:pDocRef>
         <pdfx:pDocNumber>126559743_12 [AMERICAS]</pdfx:pDocNumber>
         <pdfx:Dateformat>MONTH DAY, YEAR</pdfx:Dateformat>
         <pdfx:Language1>English (US)</pdfx:Language1>
         <pdfx:WCOffice>Manila</pdfx:WCOffice>
         <pdfx:iManageFooter>#126559743v12&lt;AMERICAS&gt; - Kaspi - Form 20-F (WC Draft 4.22.24)</pdfx:iManageFooter>
         <pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_Enabled>true</pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_Enabled>
         <pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_SetDate>2024-04-23T07:37:27Z</pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_SetDate>
         <pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_Method>Standard</pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_Method>
         <pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_Name>ea60d57e-af5b-4752-ac57-3e4f28ca11dc</pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_Name>
         <pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_SiteId>36da45f1-dd2c-4d1f-af13-5abe46b99921</pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_SiteId>
         <pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_ActionId>d042026e-7f5b-478d-abbd-27efadffee8d</pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_ActionId>
         <pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_ContentBits>0</pdfx:MSIP_Label_ea60d57e-af5b-4752-ac57-3e4f28ca11dc_ContentBits>
      </rdf:Description>
   </rdf:RDF>
</x:xmpmeta>
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                                                                                                    
                           
<?xpacket end="w"?>