**Summary of Lion Finance Group PLCs 3rd Quarter 2025 Results**
Lion Finance Group PLC, a FTSE 250 holding company operating in Georgia and Armenia, reported strong financial results for the third quarter (3Q25) and the first nine months (9M25) of 2025. The Groups consolidated profit for 3Q25 reached GEL 547.2 million, a 7.5% year-on-year (y-o-y) and 6.6% quarter-on-quarter (q-o-q) increase, resulting in a nine-month cumulative profit of GEL 1,573.5 million, up 20.3% y-o-y.
**Key Highlights**
1. **Robust Financial Performance**
Operating income before cost of risk grew by 14.8% y-o-y and 6.3% q-o-q to GEL 702.4 million.
Profitability remained strong with a return on average equity (ROAE) of 27.8% for 3Q25 and 27.9% for 9M25.
Net interest income increased by 21.1% y-o-y to GEL 776.3 million, driven by loan book growth.
2. **Customer Franchise Growth**
Bank of Georgias Retail Digital Monthly Active Users (Digital MAU) grew by 14.7% y-o-y to over 1.7 million.
Ameriabanks Retail Digital MAU surged by 62.7% y-o-y to 305 thousand.
Customer Net Promoter Score (NPS) reached record highs: 74 for Bank of Georgia and 81 for Ameriabank.
3. **Loan and Deposit Growth**
The Groups loan book increased by 21.7% y-o-y in constant currency (cc) to GEL 37,927.2 million.
Client deposits and notes grew by 18.0% y-o-y in cc to GEL 37,657.6 million.
4. **Asset Quality**
Asset quality remained strong with a Group cost of credit risk ratio at 0.5% in 3Q25 and an NPL ratio at 2.1% as of September 30, 2025.
5. **Dividend and Share Buyback**
The Group declared a quarterly dividend of GEL 2.65 per share and approved a GEL 51.5 million share buyback and cancellation program.
6. **Macroeconomic Outlook**
The Group maintained its 2025 real GDP growth forecasts at 7.5% for Georgia and 5.0% for Armenia, with upward revisions to 6.0% and 5.5% respectively for 2026.
7. **Strategic Priorities**
Continued focus on digital excellence, with Bank of Georgia named "Worlds Best Digital Bank" by Global Finance for the second consecutive year.
Strong progress in Armenia, with retail Digital MAU penetration at 10% of the population, highlighting significant growth potential.
**CEO Statement**
Archil Gachechiladze, CEO of Lion Finance Group PLC, emphasized the Groups solid performance, driven by strong balance sheet growth, high profitability, and a resilient customer franchise. He highlighted the Groups commitment to digital innovation and its strategic focus on driving efficiency and improving operating leverage.
**Conclusion**
Lion Finance Group PLC demonstrated robust financial and operational performance in 3Q25, underpinned by strong macroeconomic conditions in Georgia and Armenia, digital transformation, and a focus on customer-centric strategies. The Group remains well-positioned to deliver value to shareholders through sustainable growth and prudent risk management.