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ASA International Group (ASAI) investor relations material

ASA International Group H1 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H1 2025 earnings summary24 Sep, 2025

Executive summary

  • Net profit nearly doubled year-over-year to $26.8 million, with underlying net profit up 73% to $24.2 million, supported by strong loan growth and improved asset quality.

  • Outstanding loan portfolio (OLP) rose 18% to $540.9 million, with client base expanding to over 2.6 million, led by growth in Ghana, Pakistan, Tanzania, Uganda, and Myanmar.

  • Total comprehensive income increased to $43.5 million from $4.1 million year-over-year, driven by reduced FX devaluation and currency appreciation, notably in Ghana.

  • Interim dividend of $0.048 per share declared, a 60% increase year-over-year, maintaining a 20% payout ratio.

  • Equity base strengthened to $136.2 million, aided by profit growth and $15.5 million FX translation gain.

Financial highlights

  • Total assets increased 18% to $672.2 million, with total equity up 41% to $136.2 million.

  • Net interest income rose 48% to $111.3 million, with net interest margin expanding to 39.6%.

  • Total operating income grew 39% to $118.0 million, and cost-to-income ratio improved to 56.4% from 61.7% year-over-year.

  • Return on average equity reached 46.1% in H1 2025.

  • Client deposits up 33% to $119.6 million; total funding at $597.3 million.

Outlook and guidance

  • OLP growth of around 20% expected for the full year, with cost-to-income ratio projected at approximately 60%.

  • Net profit for FY 2025 expected to significantly exceed consensus of $37.5 million.

  • Ghana and Sierra Leone no longer classified as hyperinflationary for H2 2025; Nigeria and Myanmar remain on the watchlist.

  • Continued strong client demand and efficiency gains anticipated to support robust financial performance.

  • Currency movements and inflation remain key variables impacting results.

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Q3 2025 TU21 Oct, 2025
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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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