Lion Finance Group Income Statement

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

Millions GEL. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	5,287	4,093	2,734	2,236	1,822
Interest Income on Investments	83.84	46.53	14.05	20.57	28.74
Total Interest Income	5,371	4,140	2,748	2,257	1,851
Interest Paid on Deposits	2,352	1,741	1,113	1,057	882.47
Net Interest Income	3,019	2,399	1,636	1,200	968.57
Net Interest Income Growth (YoY)	25.89%	46.63%	36.30%	23.90%	22.75%
Other Non-Interest Income	1,333	1,183	913.61	820.97	414.19
Total Non-Interest Income	1,333	1,183	913.61	820.97	414.19
Non-Interest Income Growth (YoY)	12.73%	29.46%	11.28%	98.21%	39.95%
Revenues Before Loan Losses	4,353	3,581	2,549	2,021	1,383
Provision for Loan Losses	158.03	150.67	124.51	148.08	-3.5
Revenue	4,195	3,431	2,425	1,873	1,386
Revenue Growth (YoY)	22.27%	41.48%	29.46%	35.11%	69.72%
Salaries and Employee Benefits	801.52	691.17	347.4	279.99	235.78
Occupancy Expenses	221.65	173.14	124.72	111.09	93.62
Federal Deposit Insurance	47.61	37.66	20.25	17.72	14.63
Selling, General & Administrative	478.95	327.11	264.03	232.94	161.44
Other Non-Interest Expense	65.05	45.36	34.51	34.81	36.44
Total Non-Interest Expense	1,613	1,273	789.45	675.79	545.69
EBT Excluding Unusual Items	2,581	2,157	1,635	1,197	840.57
Asset Writedown	-1.53	19.05	0.76	7.42	0.44
Legal Settlements	-0.39	-0.71	-2.95	46.65	-35.58
Other Unusual Items	1.21	685.9	23.15	383.42	-3.48
Pretax Income	2,580	2,848	1,656	1,635	801.94
Income Tax Expense	417.25	362.8	258.97	190.65	74.82
Earnings From Continuing Operations	2,163	2,485	1,397	1,444	727.12
Minority Interest in Earnings	-1.9	-8.25	-6.05	-4.49	-3.31
Net Income	2,161	2,477	1,391	1,440	723.81
Net Income to Common	2,161	2,477	1,391	1,440	723.81
Net Income Growth	-12.74%	78.03%	-3.35%	98.88%	146.54%
Basic Shares Outstanding	43	44	44	46	48
Diluted Shares Outstanding	44	44	46	47	49
Shares Change (YoY)	-1.75%	-2.84%	-3.64%	-2.44%	2.24%
EPS (Basic)	50.27	56.91	31.30	30.99	15.22
EPS (Diluted)	49.52	55.75	30.43	30.33	14.88
EPS Growth	-11.18%	83.24%	0.30%	103.85%	141.14%
Dividend Per Share	10.500	9.000	8.000	7.650	3.810
Dividend Growth	16.67%	12.50%	4.58%	100.79%	-
Effective Tax Rate	16.17%	12.74%	15.64%	11.66%	9.33%

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