Kaspi.kz Receives First International Credit Rating
Kaspi.kz Receives First International Credit Rating
ALMATY, Kazakhstan, Sept. 19, 2024 (GLOBE NEWSWIRE) -- Kaspi.kz has received its first international credit rating. Fitch rates Kaspi.kz investment grade BBB- with a stable outlook. This rating is separate from Kaspi Bank, a component of Kaspi.kz's Fintech Platform, which has been tracked by international rating agencies for many years. Fitch also rates Kaspi Bank investment grade BBB- with a stable outlook.
哈薩克斯坦，阿拉木圖，2024年9月19日（環球新聞社） - Kaspi.kz獲得了其首個國際信用評級。Fitch將Kaspi.kz評爲BBb-投資級別，展望穩定。該評級與Kaspi.kz金融科技平台的組成部分Kaspi Bank分開評級，後者多年來一直受到國際評級機構的跟蹤。Fitch還將Kaspi Bank評爲BBb-投資級別，展望穩定。
According to Fitch, the rating reflects Kaspi.kz's unique business profile, leading nationwide franchise and one of the strongest levels of operating profitability when compared to peers globally. Among the key rating drivers are:
根據Fitch的說法，這一評級體現了Kaspi.kz獨特的業務模式，領先全國的特許經營權以及與全球同行相比最強的經營盈利能力。評級的關鍵驅動因素包括：
- Diverse business model: Kaspi.kz's Super App business model is unique in its ability to successfully combine leading franchises across payments, commerce and fintech.
- Stellar profitability: Past earnings growth has been extremely strong, while the rapid growth of Payments and Marketplace Platforms has resulted in diverse and more predictable earnings. Return on equity over the past 8 years has been an extraordinary 80%.
- 多元化的商業模式：Kaspi.kz的Super App商業模式在成功結合了支付、商務和金融科技領域的領先品牌方面是獨特的。
- 卓越的盈利能力：過去的盈利增長非常強勁，而支付和市場平台的快速增長導致了多樣化和更可預測的盈利。過去8年的淨資產收益率達到了非凡的80%。
Mikhail Lomtadze, CEO & co-founder of Kaspi.kz, commented:
Kaspi.kz的首席執行官兼聯合創始人Mikhail Lomtadze發表了評論：
"This is the first time Kaspi.kz has received a credit rating. Fitch's ratings for Kaspi.kz and Kaspi Bank, follow on from Moody's decision to upgrade Kaspi Bank to investment grade. Moody's also recently upgraded Kazakhstan's credit rating, recognising the progress Kazakhstan's government is making when it comes to delivering a fast-growing, diverse and modern digital economy, with solid financial fundamentals."
這是Kaspi.kz首次獲得信用評級。Fitch對Kaspi.kz和Kaspi銀行的評級是繼穆迪決定將Kaspi銀行提升至投資級別之後的結果。穆迪最近還將哈薩克斯坦的信用評級上調，認可哈薩克斯坦政府在實現快速增長、多元化和現代化數字經濟以及堅實的財務基礎方面取得的進展。
About Kaspi.kz
關於Kaspi.kz
Kaspi.kz's mission is to improve people's lives by developing innovative mobile products and services. To deliver upon this we operate a unique two-sided Super App model – the Kaspi.kz Super App for consumers and the Kaspi Pay Super App for merchants.
Kaspi.kz的使命是通過開發創新的移動產品和服務來改善人們的生活。爲了實現這一目標，我們運營着一個獨特的雙邊超級應用模式-針對消費者的Kaspi.kz超級應用和針對商家的Kaspi Pay超級應用。
Through these Super Apps consumers and merchants can access our leading Payments, Marketplace, and Fintech Platforms. All our services are designed to be highly relevant to users' everyday needs and enable consumers and merchants to connect and transact, using our proprietary payments network.
通過這些超級應用，消費者和商家可以訪問我們領先的支付、市場和金融科技平台。我們的所有服務都旨在與用戶日常需求密切相關，使消費者和商家能夠通過我們的專有支付網絡進行連接和交易。
The combination of a large, highly engaged consumer and merchant base, best-in-class, highly relevant digital products and a capex lite approach, results in strong top-line growth, a profitable business model and enables us to continue innovating, delighting our users and fulfilling our mission.
龐大的、高度參與的消費者和商家基礎，一流的、高度相關的數字產品和輕資本支出方法的結合，導致了強勁的收入增長、有盈利的商業模式，並使我們能夠繼續創新、讓我們的用戶感到高興並實現我們的使命。
Harvard Business School has written two case studies on Kaspi.kz which it continues to teach to its MBA students.
哈佛商學院已經寫了兩篇案例研究關於Kaspi.kz，它仍然繼續教給MBA學生。
Kaspi.kz has been listed on Nasdaq since January 2024.
Kaspi.kz自2024年1月起在納斯達克上市。
For further information david.ferguson@kaspi.kz +44 7427 751 275
有關更多信息，請聯繫david.ferguson@kaspi.kz +44 7427 751 275
Forward-looking statements
前瞻性聲明 本新聞稿中包括的關於未來表現和結果、預期、規劃、策略、重點、承諾和其他聲明（包括與我們社會、環境和其他可持續性目標有關的聲明）的非歷史事實的前瞻性聲明，是根據美國聯邦證券法的定義而作出的前瞻性聲明。本新聞稿中關於我們環境和其他可持續性計劃和目標的前瞻性聲明以及其他聲明並不意味着這些聲明對於投資者、我們的業務、運營結果、財務狀況、前景或策略、對我們在可持續發展事項上的影響或其他當事方來說均是重要的，或者必須披露在我們向證券交易委員會（「SEC」）或其他監管機構的備案中。此外，歷史、現有及未來涉及社會、環境和可持續性的相關聲明可能是基於仍在發展的衡量進展的標準、不斷演變的內部控制和流程以及假設，在將來可能會發生變化。前瞻性聲明基於當前的信仰、期望和假設，並受到可能導致實際結果與前瞻性聲明有實質性差異的重大風險、不確定性和情況變化的影響。
Some of the information in this announcement may contain projections or other forward-looking statements regarding future events or the future financial performance of Kaspi.kz. You can identify forward looking statements by terms such as "expect", "believe", "anticipate", "estimate", "intend", "will", "could," "may" or "might", the negative of such terms or other similar expressions. Kaspi.kz wish to caution you that these statements are only predictions and that actual events or results may differ materially. Kaspi.kz does not intend to update these statements to reflect events and circumstances occurring after the date hereof or to reflect the occurrence of unanticipated events. Many factors could cause the actual results to differ materially from those contained in projections or forward-looking statements of Kaspi.kz, including, among others, general economic conditions, the competitive environment, risks associated with operating in Kazakhstan, rapid technological and market change in the industries the Company operates in, as well as many other risks specifically related to Kaspi.kz and its respective operations.
本公告中的某些信息可能含有關於Kaspi.kz未來事件或未來財務表現的預測或其他前瞻性語句。您可以通過「預期」、「相信」、「預計」、「估計」、「打算」、「將」、「可能」或其他類似表達式來識別前瞻性語句。Kaspi.kz想警告您，這些聲明僅爲預測，實際事件或結果可能會有所不同。Kaspi.kz無意更新這些聲明以反映此後發生的事件和情況，也不打算反映不可預見的事件的發生。許多因素可能導致Kaspi.kz的預測或前瞻性語句與Kaspi.kz及其各自業務的實際結果有所不同，包括但不限於一般經濟條件、競爭環境、在哈薩克斯坦經營的風險、公司所從事行業的技術和市場迅速變化，以及許多其他與Kaspi.kz及其各自業務相關的風險。
譯文內容由第三人軟體翻譯。