SCHEDULE 13G/A 0002029485 XXXXXXXX LIVE 1 Common Shares, no par value American Depositary Shares, each representing one Common Share, no par value 06/30/2025 0001985487 Joint Stock Company Kaspi.kz 48581R205 154A Nauryzbai Batyr Street Almaty 1P 050013 Rule 13d-1(d) Vyacheslav Kim 1P 40670650.00 0.00 40670650.00 0.00 40670650.00 N 21.3 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. Y 40,670,650 Common Shares. This amount reflects Common Shares underlying 40,670,650 ADSs held by the Reporting Person. 21.3% (percentage ownership is calculated based on 190,784,522 Common Shares outstanding as of June 30, 2025). 40,670,650 Common Shares. 0 Common Shares. 40,670,650 Common Shares. 0 Common Shares. Y Y Y Y Y Y Vyacheslav Kim /s/ Vyacheslav Kim 08/12/2025