The earnings call highlights strong growth in Georgia, an expansion of digital banking, and a record net profit. However, concerns about economic moderation in Armenia, rising inflation, and excess liquidity management temper the overall positive outlook.
Company Guidance
During the Lion Finance Group PLC's First Quarter Results Call for the fiscal year 2025, the company provided key guidance and metrics on its performance and future outlook. In Georgia, the economy experienced a remarkable 9.3% year-on-year growth in Q1, prompting a revision of the full-year real GDP growth forecast to 6.8%. Meanwhile, Armenian GDP grew by 4.1% in the same quarter, with a projection of 4.5% for the full year. The company's loan book exhibited significant growth, with constant currency increases of 18% in Georgia and 30.9% in Armenia. Deposits grew by 18% in Georgia and 15.3% in Armenia. The net interest margin (NIM) was reported at 5.9%, with a stable outlook. The cost of credit risk remained low at 0.2% in Georgia and 0.3% in Armenia, contributing to a robust return on equity of 28.7%. The company maintained a strategic focus on digital banking, achieving significant growth in digital user engagement, while also managing excess liquidity and capital allocation prudently amid a supportive macroeconomic environment.
Strong Economic Growth in Georgia
The Georgian economy posted a 9.3% year-on-year growth in Q1, surpassing expectations and leading to a revised full-year real GDP growth forecast of 6.8%.
Digital Banking Expansion
Lion Finance Group's digital banking platform saw an 11% increase in monthly active customers and a 17% increase in monthly active digital users, reaching 1.65 million users in Georgia.
Record Net Profit
The group reported a record net profit of 513 million lari for the quarter, with a return on equity of 28.7%.
Loan Portfolio Growth
The loan book grew by 18% in Georgia and 30.9% in Armenia, showcasing strong demand and effective deployment of resources.
Bank of Georgia Group Plc (BDGSF) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BDGSF Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
May 15, 2025
$89.83
$83.00
-7.60%
Feb 25, 2025
$67.34
$69.12
+2.64%
Nov 12, 2024
$62.23
$62.70
+0.76%
Aug 22, 2024
$56.71
$57.38
+1.18%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank of Georgia Group Plc (BDGSF) report earnings?
Bank of Georgia Group Plc (BDGSF) is schdueled to report earning on Aug 19, 2025, TBA Not Confirmed.
What is Bank of Georgia Group Plc (BDGSF) earnings time?
Bank of Georgia Group Plc (BDGSF) earnings time is at Aug 19, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
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