Full Year 2025 Lion Finance Group PLC Earnings Call Transcript
Key Points
- Lion Finance Group PLC (STU:GEB) reported a record year with net income growing by 20.9%, reaching nearly GEL2.2 billion.
- The company achieved a return on equity of 28.4% for the year and over 30% for the quarter.
- Both Georgian and Armenian operations showed strong growth, with Ameriabank in Armenia delivering a 38% increase in quarterly net profit.
- The digital transformation efforts have been successful, with a 15% increase in digital monthly active users in Georgia and significant digital engagement in Armenia.
- The macroeconomic environment in Georgia and Armenia remains strong, with GDP growth of 7.5% and 7.2% respectively, supporting the company's performance.
- Geopolitical tensions in the region pose downside risks to the company's operations.
- The cost of risk, although lower than expected, remains a concern with a slight increase in Armenia.
- The net interest margin slightly reduced in the fourth quarter due to increased costs in local currencies.
- The company faces competition in the Georgian market, with competitors aiming to grow their retail presence.
- High liquidity levels are weighing on the company's interest costs, and there is a need to manage deposit market share below 40% in Georgia.
Good afternoon thank you for joining Lion Finance Group PLC's, results call. Today we're presenting our results for the fourth quarter and the full year of 2025. My name is Nini Arshakuni. I'm head of IR and I'll be moderating today's call.
I'm joined as always by the group CEO Archil Gachechiladze. We also have on the line, the CFO of Ameriabank, our banking subsidiary in Armenia, Hovhannes Toroyan, and our group economist, Akaki Liqokeli. First, we'll start with the presentations.
And in the second session of this call, you'll be able to ask your questions. And with that, I'll hand over to Archil first for opening remarks, and then we'll dive into our performance and the operating environment. Archil, you can go ahead.
Thank you Nini, hello, everyone. Thank you for joining the call. I will just have opening remarks followed by the macro review by Akaki. So as you can see, we have,
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