Lion Finance Group PLC (BDGSF) Q4 2025 Earnings Call

Investor webinar replay

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.996 Good afternoon, thank you for joining Lion Finance Group PLC's 00:00:04.996 -- 00:00:10.161 results call. Today, we're presenting our results for the first quarter and the full 00:00:10.161 -- 00:00:15.366 year of 2025. My name is Ninia Arshakouni, I'm head of IR and I'll be moderating today's 00:00:15.366 -- 00:00:19.710 call. I'm joined as always by the Group CEO, Archil Gaciciladze. 00:00:19.710 -- 00:00:24.875 We also have on the line, the CFO of Ameriabank, our banking subsidiary in Armenia, Holanest 00:00:24.875 -- 00:00:29.579 Oroyan, and our Group Economist, Akeli Kokeli. 00:00:29.579 -- 00:00:34.786 First, we'll start with the presentations, and in the second session of this 00:00:34.786 -- 00:00:37.470 call, you'll be able to ask your questions. 00:00:37.470 -- 00:00:42.176 And with that, I'll hand over to Archil first for opening remarks, and then we'll dive 00:00:42.176 -- 00:00:45.941 into our performance and the operating environment. 00:00:45.941 -- 00:00:48.164 Archil, you can go ahead. 00:00:48.164 -- 00:00:52.410 Thank you, Nini. Hello, everyone. Thank you for joining the call. 00:00:52.410 -- 00:00:57.575 I will just have opening remarks followed by the macro review by Akonati. 00:00:57.575 -- 00:01:02.901 So, as you can see, we have delivered a record quarter 00:01:02.901 -- 00:01:07.205 and a record year, in fact, with 00:01:07.205 -- 00:01:10.749 our net income growing by 20.9%, 00:01:10.749 -- 00:01:15.534 just shy of 2.2 billion, delivering 28.4% return on equity. 00:01:15.534 -- 00:01:20.460 And in the quarter, that was just above 30% return on equity 00:01:20.460 -- 00:01:22.769 with 35.5%. 00:01:22.769 -- 00:01:27.814 cost income ratio and cost of risk, which is about half of what we usually 00:01:27.814 ...