Market announcement
AS LHV Group
Category
Other corporate action
Attachments
Date
13.02.2024 08:01:00
Title
LHV Groupi tulemused jaanuaris 2024
Message
LHV Groupi jaoks iseloomustasid aasta algust kõrgete ärimahtude ja intressimäärade toel suurenenud tulud. AS-i LHV Group konsolideeritud hoiused kasvasid jaanuaris 94 miljoni euro võrra. Seejuures kasvasid tähtajalised hoiused 75 miljonit eurot ning nõudmiseni hoiused 19 miljonit eurot. Konsolideeritud laenuportfell kasvas 40 miljoni euro võrra, sellest jaelaenud kasvasid 9 miljonit eurot ja ettevõtete laenud 31 miljonit eurot. LHV juhitud fondide maht vähenes kuuga 55 miljoni euro võrra. Jaanuaris töödeldi 5,7 miljonit finantsvahendajatest klientidega seotud makset. AS LHV Group teenis jaanuaris konsolideeritult 13,6 miljonit eurot puhaskasumit. AS LHV Pank teenis puhaskasumit 12,5 miljonit eurot, LHV Bank Ltd 3,2 miljonit eurot ja AS LHV Varahaldus 141 tuhat eurot. AS LHV Kindlustuse puhaskahjumiks jäi jaanuaris 59 tuhat eurot. LHV Panga klientide arv kasvas jaanuaris 3500 võrra. Detsembris ja jaanuaris läbi viidud uuringufirma Dive uuringu tulemusena kuulutati LHV Pank taas Eesti parima teenindusega pangaks. Jaanuaris tõi LHV klientide soovidele vastates turule uuendusliku Kogumiskonto lahenduse, mille puhul teenib klient kontol oleva raha pealt 2% intressi, kuid saab raha soovi korral kohe kontolt välja kanda. Jaanuari lõpuks avasid kliendid üle 3500 sellise konto. LHV Panga hoiuste maht kasvas 51 miljoni euro võrra, sellest 23 miljonit eurot oli tavaklientide hoiuste kasv. Jaanuaris kasvas märgatavalt kodulaenutaotluste arv. Jaelaenude portfell suurenes 9 miljoni euro võrra. Eesti ettevõtete laenude maht kasvas 21 miljoni euro võrra. Krediidikvaliteet püsis heal tasemel, kuid üksikutele klientidele tehti ettevaatavalt allahindlusi. LHV Bank Ltd on Ühendkuningriigis endiselt hoogsalt ärimahtusid kasvatamas, kui jaanuaris kasvasid hoiused 86 miljoni euro võrra ja laenuportfell 10 miljoni euro võrra. Uue ettevõtete laenude juhi eestvedamisel on laiendamisel maaklerite võrgustik ja turule toomisel kolmas laenutoode. Banki puhaskasumis on arvestatud ühekordne tulumaksutulu eelnevatelt aastatelt 1,8 miljoni euro mahus. LHV Varahalduse pensionifondide jaoks oli jaanuar keerulisem kuu, kuna fondide M, L ja XL tootlused olid vastavalt 0,4%, 0,8% ja 0,8%. Pensionifond Indeks kerkis 1,4%, fond Roheline langes 9,1%. Pensionifondide mahtu mõjutasid negatiivselt liikumised fondide vahel ning ka II sambast väljumine, mille tagajärjel vähenes ka II samba aktiivsete klientide arv kahe tuhande võrra. Jaanuaris algas avalduste vastuvõtt II samba sissemaksete suurendamiseks, esimese kuuga esitasid kliendid 2000 avaldust. Jaanuaris sõlmiti 13 700 uut kindlustuslepingut ning kehtivate lepingute arv kasvas 231 tuhande poliisini. Jaanuar on tavapäraselt suurema kahjude hulgaga kuu - LHV Kindlustus registreeris 7200 uut kahjujuhtumit. See mõjutas tulemit negatiivselt, samas on teenitud preemiad kasvamas. AS-i LHV Group aruanded on saadaval aadressil: https://investor.lhv.ee/aruanded (https://www.globenewswire.com/Tracker?data=UGZBu3uIVWoDi4u-P4ZxDm1- zbBc2dbXM06EDDNSDJB7b0yWQhYA6E7Wc_6121BAkUQpjhK_NKeCmib2EsozLCSX0OrFKCe6o0QNCHq- NhmR15CbocOFybXV-X3I9ngz-khFwxxl5fGjWPHwv7GuI9OXmQvVUnLKNqvMK0_5MPlZw0Yzf3VQ- MAHG6SuMDlVfTgNmkIKKKZcprsqVrG044mJkNrm3AEKgIEUA99l2skZyLPmed_zMcyADtWFyngHOK- pRL7ana2RxGwG97jz2PA_TzxukMUzhdGxZsyMpH1U30TD1LKmHG9rbZyc0gLOUKC3hwwgj- 0ie5h6xNuTPMaEFJTMdtV_WrM8ih3k- tb88rKY1P4WPULUVSNvUmn9fBV3k4gVIco66tMC0WKpJask125l4aOb4hTUOmF7VeByZvE6Ce4kHHIs_ JRy2AKHGvDUlez-JoO5VjLM-Jmjd2Fg3c2YZ3L8BFDWI0hetgri44j7ABWKm3W2N62S0Oa4wR- xdMvjyPXtl43ZU6- AHqy0u8orZXdYA9SS1yo0v7US5HdXGWKG3PVi6GqkbbVrxwJwm08oNFGqQ9eraGkZkK- tDn4ygYzY6L_x5Sq2p9SqOyuDC-ZmE- qExyTKB7oiFWg81gD7Vzuu9bZmjI093hea9Ltp_mEmqM6lfN_yGExcC- 8tScMMAI_TS4I66TccZNGChG8oM4d8nDQFRA6PamSbNNrSyc-_bpylVLHZH5r-P5utz2qH8s- bVMxouAo2VMHMckrMJDt7rRGeisCPIqmyfPKbJadchTI67VfarWNLa3QJzwLL2ck7kvcNMA5rIrJBEk2 cpxMYWIqqdd9CWR1mB- 5GEBewYHRVtMdgc9MGblIwURnOjeLWviahBpJOweRADaad_XvmBoGuL7kqy5vlNDo4F- LjE6PpcP5MFc0ZgA-fiy3RenfpblqKwjrpKQX4qPvoFM3xihO4sDy6EMQLfcAo- YPPySUu0VcjjCYYnyQoFIRFnwIOP5BEvXPb8SzHWAcNbwb1i_1ygVyEmVafhc9LRzN50WHj4FrQVPPkI 1nSDE4Ir33nuhG1kJNT1vtLIdAboXEeZ_B- BzPwB2RvVajW6W7JfdlC007AbzdGt4FBG8qbg7iRTV7pvUQs0_DBBAhOaTDRz8RF8o3o1ro0oWZkgwXP 0cegVFjgwkqbXy4NWwWhys5aFgL-slenZJfZEVN0xSKFAXD6j1WGEzHUl7qoEqtpQascBFFT1- CvEpVYs3Vac7VuLyxZEXaxMihE5E9BUfFFdCZnRPwXq5uMS_D5lyG3lXW4Tm961lqad5HlBWqXpkz4uS BUhIcrgcNJXllF2NCNBTDbzfx4zA==). LHV Group on suurim kodumaine finantskontsern ja kapitali pakkuja Eestis. LHV Groupi peamised tütarettevõtted on LHV Pank, LHV Varahaldus, LHV Kindlustus ja LHV Bank Limited. Grupi ettevõtetes töötab üle 1080 inimese. LHV pangateenuseid kasutab jaanuari lõpu seisuga 421 000 klienti, LHV hallatavatel pensionifondidel on 121 000 aktiivset klienti ja LHV Kindlustusega on kaitstud 163 000 klienti. Groupi tütarettevõte LHV Bank omab Ühendkuningriigi pangalitsentsi ning pakub pangateenuseid rahvusvahelistele finantstehnoloogia ettevõtetele ja laenusid väikese ja keskmise suurusega ettevõtetele. Priit Rum LHV kommunikatsioonijuht Telefon: 502 0786 E-post: priit.rum@lhv.ee
Title
LHV Group results in January 2024
Message
The beginning of the year for LHV Group was characterised by increased revenues, supported by high business volumes and interest rates. The consolidated deposits of AS LHV Group increased by EUR 94 million in January. At that, term deposits increased by EUR 75 million, and demand deposits by EUR 19 million. The consolidated loan portfolio increased by EUR 40 million, with retail loans increasing by EUR 9 million and corporate loans by EUR 31 million. The volume of funds managed by LHV decreased by EUR 55 million over the month. In January, 5.7 million payments related to financial intermediary clients were processed. In January, AS LHV Group earned EUR 13.6 million in consolidated net profit. AS LHV Pank earned EUR 12.5 million, LHV Bank Ltd EUR 3.2 million, and AS LHV Varahaldus EUR 141,000 in net profit. AS LHV Kindlustus generated a net loss of EUR 59,000 in January. The number of clients of LHV Pank increased by 3,500 in January. As a result of the study conducted by the survey company Dive in December and January, LHV Pank was once again declared the bank with the best service in Estonia. In January, LHV answered the requests of its clients and introduced the innovative Savings Account solution, in which the client earns 2% interest on the amount of funds in the account, but can immediately withdraw funds from said account, if so desired. As at the end of January, clients had opened over 3,500 of these accounts. The volume of deposits of LHV Pank increased by EUR 51 million, with EUR 23 million accounting for the increase in deposits of regular clients. The number of home loan applications increased noticeably in January. The volume of the retail loan portfolio increased by EUR 9 million. The volume of Estonian corporate loans increased by EUR 21 million. Credit quality remained at a good level, but proactive discounts were made in the case of some individual clients. In the United Kingdom, LHV Bank Ltd is still energetically increasing its business volumes, with deposits increasing by EUR 86 million and the loan portfolio by EUR 10 million in January. Under the leadership of the new Director of SME Lending, the broker network is being expanded and a third loan product is on its way to the market. The net profit of the Bank accounts for the one-off income tax revenue of previous years in the amount of EUR 1.8 million. January was a more complex month for the pension funds of LHV Varahaldus, as the rates of return of the M, L and XL funds were 0.4%, 0.8%, and 0.8%, respectively. Pension fund Indeks went up by 1.4%; pension fund Roheline fell by 9.1%. The volume of pension funds was negatively affected by clients switching funds and also exiting the II pillar, resulting in a decrease in the number of active clients of the II pillar by 2,000 clients. In January, we started accepting applications to increase II pillar contributions; in the first month, clients submitted 2,000 applications. A total of 13,700 new insurance contracts were concluded in January, and the number of currently valid contracts increased to 231,000 policies. January is usually a month that involves a higher volume of damages - LHV Kindlustus registered 7,200 new loss events. This had a negative effect on the result, but the premiums earned are increasing. AS LHV Group reports are available at: https://investor.lhv.ee/en/reports. LHV Group is the largest domestic financial group and capital provider in Estonia. LHV Group's key subsidiaries are LHV Pank, LHV Varahaldus, LHV Kindlustus, and LHV Bank Limited. The Group employs over 1,080 people. As at the end of January, LHV's banking services are being used by 421,000 clients, the pension funds managed by LHV have 121,000 active clients, and LHV Kindlustus protects a total of 163,000 clients. LHV Bank, a subsidiary of the Group, holds a banking licence in the UK and provides banking services to international financial technology companies, as well as loans to small and medium-sized enterprises. Priit Rum Communication Manager Phone: +372 502 0786 Email: priit.rum@lhv.ee (mailto:priit.rum@lhv.ee)