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Lion Finance Group (BGEO) investor relations material
Lion Finance Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Nov, 2025
Executive summary
Achieved record 3Q25 profit of GEL 547.2 million, up 7.5% year-over-year, with strong profitability and growth in both Georgia and Armenia.
Return on average equity reached 27.8% in 3Q25, with robust loan and deposit growth and high digital engagement across both markets.
Strategic focus on customer experience, digital innovation, and profitable growth, with digital engagement and customer satisfaction at new highs.
Declared a quarterly dividend of GEL 2.65 per share and a GEL 51.5 million share buyback and cancellation programme.
Ameriabank’s results consolidated from April 2024, contributing to group performance.
Financial highlights
Operating income grew 15.6% year-over-year; net interest income up 21.1% year-over-year to GEL 776.3 million in 3Q25.
Group loan book reached GEL 37,927.2 million, up 21.7% year-over-year in constant currency; deposits and notes at GEL 37,657.6 million, up 18.0% year-over-year.
Cost-to-income ratio improved to 35.3% in 3Q25; cost of credit risk ratio at 0.5%.
Basic EPS for 3Q25 was 12.75, up 8.9% year-over-year; 9M25 adjusted EPS was 36.45, up 22.3% year-over-year.
Net non-interest income grew modestly; fee and commission income up 4.8% overall.
Outlook and guidance
Medium-term targets: c.15% annual loan book growth, ROAE above 20%, and 30-50% payout ratio.
Full-year 2025 real GDP growth forecasts: 7.5% for Georgia, 5.0% for Armenia; 2026 forecasts revised up to 6.0% and 5.5%, respectively.
Net interest margins expected to remain broadly stable in both markets.
Board moved to quarterly dividend distribution, maintaining 30-50% payout policy.
Armenia targets 15–20% loan growth for the next 3–4 years.
AFS fee income impact from market expansion
GFS non-interest income growth constraints
Armenia fiscal expansion risks to stability
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Next Lion Finance Group earnings date
Q4 202516 Feb, 2026
Next Lion Finance Group earnings date
Q4 202516 Feb, 2026
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