Lion Finance Group PLC (FRA:GEB)

Lion Finance Group Income Statement

Financials in millions GEL. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	5,041	4,093	2,734	2,236	1,822	1,563
Interest Income on Investments	68.27	46.53	14.05	20.57	28.74	32.07
Total Interest Income	5,109	4,140	2,748	2,257	1,851	1,595
Interest Paid on Deposits	2,226	1,741	1,113	1,057	882.47	806.37
Net Interest Income	2,883	2,399	1,636	1,200	968.57	789.06
Net Interest Income Growth (YoY)	33.38%	46.63%	36.30%	23.90%	22.75%	-1.09%
Gain (Loss) on Sale of Investments	-10.93	-	-	-	-	-
Other Non-Interest Income	1,287	1,183	913.61	820.97	414.19	295.95
Total Non-Interest Income	1,276	1,183	913.61	820.97	414.19	295.95
Non-Interest Income Growth (YoY)	20.15%	29.46%	11.28%	98.21%	39.95%	-3.93%
Revenues Before Loan Losses	4,159	3,581	2,549	2,021	1,383	1,085
Provision for Loan Losses	166.76	150.67	124.51	148.08	-3.5	268.23
Revenue	3,992	3,431	2,425	1,873	1,386	816.78
Revenue Growth (YoY)	28.63%	41.48%	29.46%	35.11%	69.72%	-19.18%
Salaries and Employee Benefits	847.72	691.17	347.4	279.99	235.78	185.87
Occupancy Expenses	209.06	173.14	124.72	111.09	93.62	82.94
Federal Deposit Insurance	43.51	37.66	20.25	17.72	14.63	11.42
Selling, General & Administrative	372.56	327.11	264.03	232.94	161.44	145.09
Other Non-Interest Expense	60.16	45.36	34.51	34.81	36.44	31.97
Total Non-Interest Expense	1,531	1,273	789.45	675.79	545.69	456.5
EBT Excluding Unusual Items	2,460	2,157	1,635	1,197	840.57	360.28
Asset Writedown	19.05	19.05	0.76	7.42	0.44	20.35
Legal Settlements	-0.5	-0.71	-2.95	46.65	-35.58	-19.54
Other Unusual Items	-0.22	685.9	23.15	383.42	-3.48	-44.59
Pretax Income	2,482	2,848	1,656	1,635	801.94	316.5
Income Tax Expense	400.58	362.8	258.97	190.65	74.82	21.56
Earnings From Continuing Operations	2,081	2,485	1,397	1,444	727.12	294.94
Minority Interest in Earnings	-3.82	-8.25	-6.05	-4.49	-3.31	-1.36
Net Income	2,077	2,477	1,391	1,440	723.81	293.58
Net Income to Common	2,077	2,477	1,391	1,440	723.81	293.58
Net Income Growth	-9.69%	78.03%	-3.35%	98.88%	146.54%	-41.01%
Basic Shares Outstanding	43	44	44	46	48	48
Diluted Shares Outstanding	44	44	46	47	49	48
Shares Change (YoY)	-2.13%	-2.84%	-3.64%	-2.44%	2.24%	-0.35%
EPS (Basic)	48.16	56.91	31.30	30.99	15.22	6.17
EPS (Diluted)	47.38	55.75	30.42	30.33	14.88	6.17
EPS Growth	-7.73%	83.24%	0.30%	103.85%	141.14%	-40.80%
Dividend Per Share	16.750	9.000	8.000	7.650	3.810	-
Dividend Growth	239.07%	12.50%	4.58%	100.79%	-	-
Effective Tax Rate	16.14%	12.74%	15.64%	11.66%	9.33%	6.81%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.