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ASA International Group (ASAI) investor relations material
ASA International Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary21 Oct, 2025
Executive summary
Achieved robust operational results in Q3 2025, adding over 100,000 clients and expanding the total client base to 2.7 million, a 4% increase from Q2 2025 and 10% year-over-year.
Gross Outstanding Loan Portfolio (OLP) grew to USD 555.3 million, up 3% from Q2 2025 and 32% from Q3 2024, with growth led by Pakistan, Tanzania, Uganda, Myanmar, and Nigeria.
Digital transformation advanced with the successful migration to a new core banking system and digital apps in Ghana, covering 35% of the client base.
Ongoing process to deconsolidate and sell the India business, expected to complete in 2026.
Financial highlights
Gross OLP increased to USD 555.3 million, a 3% rise from Q2 2025 and 32% year-over-year.
Ghana's reported OLP fell 15% from Q2 2025 due to currency depreciation, but rose 2% in constant currency.
Client growth was strongest in Pakistan, Kenya, Uganda, Ghana, Philippines, and Nigeria.
Outlook and guidance
Focus remains on sustainable growth, operational excellence, and digital transformation, with the next digital migration planned for Tanzania.
Sale of the India business is anticipated in 2026, pending regulatory approval.
Ghana client app rollout timeline?
India deconsolidation: why the 2026 timeline?
Ghana OLP: explain constant currency growth.
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Next ASA International Group earnings date
Q4 2025 TU29 Jan, 2026
Next ASA International Group earnings date
Q4 2025 TU29 Jan, 2026
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Frequently asked questions
ASA International Group plc is one of the world’s largest international microfinance institutions. The company provides microfinancing services in Africa and Asia. It offers loans to low-income female micro-entrepreneurs, and other. The company also provides various collateral-free loans, including small and small business loans to start or grow businesses. The company was incorporated in 2007 and is headquartered in Amsterdam, the Netherlands.
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