London · Delayed Price · Currency is GBP · Price in GBX Lion Finance Group Earnings Call Transcripts
Fiscal Year 2026
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Profit and loan growth remained robust in both Georgia and Armenia, with group ROE at 27.4% and cost of risk at 0.3%. Strong digital engagement and capital positions support continued expansion, while prudent risk management and macroeconomic resilience underpin the outlook.
Fiscal Year 2025
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Record net income and double-digit loan growth in both Georgia and Armenia drove strong returns, with digital engagement and customer satisfaction at all-time highs. Capital buffers remain robust, supporting continued growth and dividend increases.
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Record quarterly profit and robust loan growth were achieved in both Georgia and Armenia, with strong digital engagement and stable asset quality. Outlook remains positive, with stable margins and continued capital returns through dividends and buybacks.
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Q2 profit rose 19% year-over-year, with H1 profit up 28% and ROE at 27-28%. Strong growth in both Georgia and Armenia, robust digital engagement, and solid asset quality were reported. Outlook remains positive, supported by favorable macro trends and new regional developments.
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Record net profit and strong loan growth in both Georgia and Armenia were driven by robust macroeconomic conditions and digital transformation. Cost of risk remains low, capital and liquidity positions are strong, and the dividend payout ratio is maintained at 30%.
Fiscal Year 2024
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Record profit and robust growth were driven by strong performance in Georgia and Armenia, with Ameriabank now 26% of assets. Return on equity hit 30%, cost-to-income fell below 35%, and digital engagement surged. Capital allocation remains disciplined amid ongoing regional uncertainties.
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Record quarterly profit and strong loan/deposit growth were driven by Ameriabank integration and digital leadership. Cost of risk and NPLs hit record lows, while robust macro conditions and external inflows support a positive outlook.
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Net profit reached GEL 430 million (GEL 480 million adjusted), with 28% ROE and strong loan and deposit growth in both Georgia and Armenia. Digital transformation and robust fee income drove results, while high liquidity and capital buffers are maintained ahead of elections.