Lion Finance Group PLC (LSE:BGEO)

Q1 2025 Lion Finance Group PLC Earnings Call Transcript

May 15, 2025 / 01:00 PM GMT

Release Date Price: £61.7 (-8.59%)

Transcript

Key Points

Positve

Lion Finance Group PLC (BDGSF) reported strong loan portfolio growth of 18% in Georgia and 30.9% in Armenia, indicating robust demand in both markets.
The company achieved a record net profit of 513 million lari, with a return on equity of 28.7%, showcasing strong financial performance.
Lion Finance Group PLC (BDGSF) was recognized as the world's best digital bank, highlighting its excellence in digital banking services.
The company's mobile application saw a 17% increase in monthly active users, reaching 1.65 million in Georgia, demonstrating successful digital engagement.
The macroeconomic environment in Georgia and Armenia remains supportive, with strong GDP growth and stable currency values, benefiting the company's operations.

Negative

Inflation rates in both Georgia and Armenia are expected to remain above target levels, posing potential challenges for cost management.
The company faces increased competition in the payments market in Georgia, which could pressure margins.
Excess liquidity remains a challenge, with the company needing to find effective ways to deploy it or reduce deposit rates.
The resolution fund contribution is an ongoing expense, with an estimated 17.6 million lari contribution this year, impacting profitability.
The end of the state mortgage subsidy program in Armenia could affect future loan growth and margins in the real estate segment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BGEO.L - Lion Finance Group PLC
Q1 2025 Lion Finance Group PLC Earnings Call
May 15, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Hello everyone. Welcome to Line Finance Group PLC's, first quarter results call. My name is Nina Shakoni. I'm head of IR, and today I'll be moderating this call. I will be joined on this call by the group Chief Executive Officer Arshel Gaeiladze, who will provide a detailed overview of the group's, performance and financials across our key, business, divisions in Georgia and Armenia. But before that, I would like to invite our, economist, Akakilli Koelli to discuss the macroeconomic developments affecting our core markets. I would also like to remind you that this call is being recorded. With that, I'll let Akai in.

He will join you in a second.

Hiyaaki, you're on the line and you can share the presentation.

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