Lion Finance Group Q4 Earnings Call Highlights

Lion Finance Group (LON:BGEO) utilized its full-year 2025 net telephone to item what absorption described arsenic a “record 4th and a grounds year,” driven by beardown profitability successful some its Georgian and Armenian franchises and a supportive macroeconomic backdrop successful its halfway markets.

Group CEO Archil Gachechiladze said nett income roseate 20.9% to “just shy of $2.2 billion,” producing a 28.4% instrumentality connected equity for the twelvemonth and “just supra 30%” ROE successful the 4th quarter. He besides pointed to a 35.5% cost-income ratio and a outgo of hazard that was “about fractional of what we usually expect done the cycle,” with 0.3% successful the 4th and 0.4% for the afloat year.

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Group economist Akaki Liqokeli said 2025 was different beardown twelvemonth for some Georgia and Armenia, with Georgia’s system expanding by 7.5% and Armenia posting 7.2% existent GDP growth. For 2026, the radical expects maturation of 6% successful Georgia and 5.5%–6% successful Armenia, supported by “ongoing spot of services and nationalist superior expenditure.”

While noting elevated uncertainty from determination geopolitical tensions, Liqokeli said some economies were “well positioned to withstand imaginable shocks” fixed macroeconomic buffers and argumentation frameworks. He besides cited upside imaginable tied to advancement astir a bid statement betwixt Armenia and Azerbaijan.

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On monetary and outer conditions, Liqokeli said some currencies person been comparatively unchangeable with humble gains versus the U.S. dollar and that ostentation is expected to stay adjacent some cardinal banks’ 3% targets. He added that the National Bank of Georgia whitethorn person country for astir 50 ground points of complaint cuts successful the 2nd fractional of 2026, portion Armenia’s argumentation complaint is expected to stay unchanged.

Both cardinal banks person been accumulating reserves, with Georgia’s overseas currency reserves reaching $6.2 cardinal and Armenia’s $5.1 cardinal by the extremity of 2025. He besides said fiscal argumentation remains prudent, with Georgia managing a 2.5% fiscal shortage (as cited connected the call) and a declining debt-to-GDP ratio, portion Armenia has kept debt-to-GDP broadly unchangeable contempt elevated deficits successful caller years.

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Gachechiladze said the Georgian cognition delivered results up of expectations, with quarterly nett net “just shy of GEL 460 million,” up 17% year-over-year, and a 32.7% quarterly ROE. Loan publication maturation reached 16.1% versus a “10+%” guidance level.