Lion Finance Group PLC (BDGSF) Q2 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello, everyone. Welcome to Lime Finance Group PLC's second quarter results call. My name is Ninia Arshakouni. I'm head of investor relations and I'll be moderating today's session. We are pleased to present our results for the second quarter, which you can also see on this slide. So we have a very solid set of results with our profit reaching $513 million. million gel in the second quarter up 19% year on year, resulting in the cumulative half year profit of just north of 1 billion gel up 28% year on year with return on equity standing at a very strong 27 and 28% in Q2 and the first half of 25 respectively. And these results are underpinned by robust customer franchise and portfolio growth across our core operations in Georgia and Armenia. I am joined today on this call by, as usual, by the Group CEO, Archil Gaceciladze, who will share his perspectives on the Group's performance. And for the first time, we're delighted to have Hovhannes Doroyan on this call. Hovhannes is the Chief Financial Officer of Ameriabank, the Group's banking subsidiary in Armenia. And we also have Akakeli Kokeli, our macroeconomist, who will walk through the recent macroeconomic developments across our core markets of Georgia and Armenia. Following the presentation, we'll open the floor for your questions. And as a reminder, this call is being recorded. With that, we'll first start with the macro highlights. So I'm handing it over to Akake to kick off this webinar. Akake, you can go ahead. Hello everyone. I will be presenting the macroeconomic update for our core markets, Georgia and Armenia. Let me start with the growth performance. Georgia continues to benefit from a balanced mix of strong external inflows and resilient domestic demand. In Armenia, growth momentum has shifted more towards d...