X0202 SCHEDULE 13G/A 0002029485 XXXXXXXX LIVE 2 Common Shares, no par value American Depositary Shares, each representing one Common Share, no par value 06/30/2026 0001985487 Joint Stock Company Kaspi.kz 48581R205 154A NAURYZBAI BATYR STREET Almaty 1P 050013 Rule 13d-1(d) Vyacheslav Kim 1P 38095117 0.00 38095117 0.00 38095117 N 20 IN Joint Stock Company Kaspi.kz 154A Nauryzbai Batyr Street Almaty, 050013, Kazakhstan Vyacheslav Kim c/o Joint Stock Company Kaspi.kz 154A Nauryzbai Batyr Street Almaty, 050013, Kazakhstan See the response to Item 4 of the attached cover page. N 38,095,117 Common Shares. This amount reflects Common Shares underlying 38,095,117 ADSs held by the Reporting Person as of June 30, 2026. As of the date of the filing of this Amendment No. 2 (the "Filing Date"), the Reporting Person owns 37,486,685 Common Shares underlying 37,486,685 ADSs. 20.0% as of June 30, 2026, based on 190,027,266 Common Shares outstanding as of such date. As of the Filing Date, the Reporting Person owns 19.7% of the Common Shares outstanding, based on 190,027,266 Common Shares outstanding as of such date. 38,095,117 Common Shares as of June 30, 2026, and 37,486,685 Common Shares as of the Filing Date. 0 Common Shares as of June 30, 2026 and as of the Filing Date. 38,095,117 Common Shares as of June 30, 2026, and 37,486,685 Common Shares as of the Filing Date. 0 Common Shares as of June 30, 2026 and as of the Filing Date. Y Y Y Y Y Y Vyacheslav Kim /s/ Vyacheslav Kim 08/14/2026