Lion Finance Group PLC (STU:GEB)

Half Year 2025 Lion Finance Group PLC Earnings Call Transcript

Aug 20, 2025 / 01:00 PM GMT

Release Date Price: €85.5 (-1.16%)

Transcript

Key Points

Positve

Lion Finance Group PLC (FRA:GEB) reported a 19% year-on-year increase in profits for Q2, reaching GEL 513 million.
The company achieved a strong return on equity of 27% in Q2 and 28% for the first half of 2025.
Georgia and Armenia, the core markets, showed robust economic growth, with GDP growth of 8.3% and 6.3% respectively.
The company experienced significant loan growth, particularly in Armenia with a 37.6% increase.
Digital transformation efforts are paying off, with a 15.5% increase in retail digital market active users year over year.

Negative

Non-interest income decreased by 2.2% year over year, partly due to a lack of large one-off items compared to the previous year.
Operating expenses increased by 12.1%, with Georgia seeing a 15.7% rise, which may impact future profitability.
The net interest margin saw a slight decline in Armenia, affecting overall profitability.
There is increased competition in the fees and commission revenue segment, impacting revenue dynamics.
The potential acquisition of HSBC Malta did not materialize, as a European buyer was preferred, limiting expansion opportunities.

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

BGEO.L - Lion Finance Group PLC
Half Year 2025 Lion Finance Group PLC Earnings Call
Aug 20, 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 2nd quarter results call. My name is Nina Shakuni. I'm head of investor relations and I'll be moderating today's session. We are pleased to present our results for the 2nd quarter, which, you can also see on this slide. So we're, we have a very solid set of results with our profits reaching gel513 million in the 2nd quarter up 19% year on year, resulting in a cumulative half year. Profit of just north of 1 billion, up 28% year on year with return on equity standing at a very strong 27 and 28% in Q2 and half the first half of 25 respectively. And these results are underpinned by robust customer franchise and portfolio growth across our core operations in Georgia and Armenia.

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