Market announcement
AS LHV Group
Category
Other corporate action
Attachments
Date
14.05.2024 08:00:00
Title
LHV Groupi tulemused aprillis 2024
Message
Aprillikuud iseloomustas LHV jaoks ärimahtude tugeva kasvu taustal kõrge kasumlikkus, tulemusi veab endiselt kasvav laenuportfell ja teenitav intressitulu. Grupi kõigi ettevõtete jaoks oli tegemist tugeva kuuga. AS-i LHV Group konsolideeritud hoiuste maht kasvas aprillis 236 miljoni euro võrra, konsolideeritud laenuportfell aga 94 miljoni euro võrra. LHV juhitud fondide maht kasvas aprillis 23 miljoni euro võrra. Finantsvahendajatega seotud makseid tehti kuuga 6 miljonit. AS LHV Group teenis aprillis 15,8 miljonit eurot konsolideeritud puhaskasumit. AS LHV Pank teenis puhaskasumit 13,0 miljonit eurot, LHV Bank Ltd 1,3 miljonit eurot, AS LHV Varahaldus 259 tuhat eurot ja AS LHV Kindlustus 64 tuhat eurot. Aprillis oli LHV Groupi aktsionäridele kuuluva omakapitali tootlus 33,3%. LHV Panga klientide arv kasvas kuuga 3550 võrra, uute pangalaenude väljastamine jõudis rekordtasemele. Seejuures kasvasid jaelaenud 26 miljoni euro võrra ning ettevõtete laenud 56 miljoni euro võrra. Kuna krediidikvaliteet püsis endiselt heal tasemel, jäid allahindlused plaanitust madalamaks. Panga hoiuste 135 miljoni euro suurusest kasvust moodustasid 110 miljonit eurot tavaklientide hoiused ja 111 miljonit eurot finantsvahendajate hoiused, samal ajal kui platvormidelt kaasatud hoiuste maht vähenes 43 miljoni euro võrra, lisaks vähenesid grupi ettevõtete hoiused. Aktiivset hoiuste kaasamist jätkas ka Ühendkuningriigis tegutsev LHV Bank Ltd: finantsvahendajate hoiused kasvasid 17 miljoni euro võrra ja platvormidelt kaasati lisaks 39 miljonit eurot hoiuseid. Hoiuste intressimäärad jäid alla keskpanga intressimääradele. LHV Banki laenuportfell kasvas aprillis 13 miljoni euro võrra, samas kui ette heaks kiidetud laenuprojekte on 85 miljoni euro ulatuses. LHV Banki fookus on endiselt laenuportfelli kasvatamisel ja jaepanganduse pakkumise arendamisel. LHV Varahalduse aktiivselt juhitud fondide jaoks oli aprill vaatamata langevatele aktsiaturgudele hea tootlusega kuu. Fondide tootlused mõjutasid positiivselt ka LHV Varahalduse kasumit, tulud ja kulud jäid plaanitud tasemele. Aktiivsete II samba klientide arv suurenes aprillis 300 võrra, aprilli lõpu seisuga on samas 5000 klienti teatanud oma II samba sissemaksete suurendamisest. LHV Kindlustuse jaoks jätkus positiivne kasvutrend. Uusi kindlustuslepinguid sõlmiti aprillis 13 600 ning kehtivate poliiside arv kasvas 237 tuhandeni. Kuuga registreeriti 9500 uut kahjujuhtumit ja neid hüvitati summas 1,6 miljonit eurot. Neto kahjusuhe jätkab langeval kursil. Aprillis kinnitas reitinguagentuur Moody's AS-i LHV Pank ja AS-i LHV Group uued reitingud, tõstes LHV Panga pikaajaliste pangahoiuste reitingu seniselt Baa1 tasemelt A3 tasemele (positiivne väljavaade) ning LHV Groupi reitingute väljavaate varasema stabiilse asemel positiivseks, mis kinnitab LHV tugevat finantspositsiooni ja kapitaliseeritust ning väljendab ootust krediidivõime edasisele tugevnemisele. Konsolideerimisgrupi puhaskasum oli aprilli lõpu seisuga avaldatud finantsplaanist 14,1 miljoni euro võrra ees. Finantsplaan püsib. AS-i LHV Group aruanded on saadaval aadressil: https://investor.lhv.ee/aruanded (https://www.globenewswire.com/Tracker?data=vOBlDx5FjO4cxYew4xIgI--b3xUlW001ek7Y 7WGYCafG70l_YvAcv1-3BIf6B8HS29FRf-JHm8Azwlplot8lR8ngZ_hbKOp5_hSLeccpQydXTvRGYnO1 RdjQ11K3Nn2t). 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 1100 inimese. LHV pangateenuseid kasutab aprilli lõpu seisuga 432 000 klienti, LHV hallatavatel pensionifondidel on 120 000 aktiivset klienti ja LHV Kindlustusega on kaitstud 167 000 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 Email: priit.rum@lhv.ee (mailto:priit.rum@lhv.ee)
Title
LHV Group results in April 2024
Message
On the backdrop of a strong increase in business volumes, April for LHV was characterised by high profitability, with results still being driven by the growing loan portfolio and the interest income earned. It was a strong month for all companies of the Group. In April, AS LHV Group's consolidated deposits grew by EUR 236 million, and the consolidated loan portfolio by EUR 94 million. The volume of the funds managed by LHV grew by EUR 23 million in April. A total of 6 million payments related to financial intermediaries were made in the month. In April, AS LHV Group earned EUR 15.8 million in consolidated net profit. AS LHV Pank generated EUR 13 million in net profit, AS LHV Bank Ltd EUR 1.3 million, AS LHV Varahaldus EUR 259 thousand, and AS LHV Kindlustus EUR 64 thousand. In April, the return on equity attributable to the shareholders of LHV Group was 33.3%. The number of clients of LHV Pank increased by 3,550 over the month, with the issuance of new bank loans reaching a record level. At that, retail loans increased by EUR 26 million, while corporate loans increased by EUR 56 million. As the credit quality persisted to be on a good level, discounts remained lower than planned. Of the EUR 135 million increase in the bank's deposits, the deposits of regular clients accounted for EUR 110 million and the deposits of financial intermediaries for EUR 111 million, while the volume of deposits raised from platforms decreased by EUR 43 million, and the deposits of the Group's companies also decreased. LHV Bank Ltd, which operates in the United Kingdom, also continued to actively raise deposits: the deposits of financial intermediaries increased by EUR 17 million, while an additional EUR 39 million in deposits were raised from platforms. The interest rates on deposits remained below the central bank's interest rates. In April, the loan portfolio of LHV Bank increased by EUR 13 million, while the pre-approved loan projects reached the extent of EUR 85 million. The focus of LHV Bank remains on growing the loan portfolio and developing the offering of retail banking services. Despite falling stock markets, April still provided good rates of return for the actively managed funds of LHV Varahaldus. The rates of return of the funds also had a positive effect on the profit of LHV Varahaldus; the revenues and expenses remained on the planned level. In April, the number of active clients of the II pillar increased by 300, while as at the end of April, 5,000 clients had declared their wish to increase their II pillar contributions. A positive increase trend continued for LHV Kindlustus. In April, they concluded 13,600 new insurance contracts, and the number of valid policies increased to 237,000. Over the month, they registered 9,500 new loss events, which were indemnified in the total amount of EUR 1.6 million. The net loss ratio continues on a downward trend. In April, Moody's Ratings confirmed the new ratings of AS LHV Pank and AS LHV Group, raising the rating of LHV Pank's long-term bank deposits from the current level of Baa1 to A3 (positive outlook), and the rating outlook of LHV Group from the earlier stable to positive, confirming the strong financial position and capitalisation of LHV and expressing expectations of the continued strengthening of creditworthiness. As at the end of April, the net profit of the consolidation group was ahead of the published financial plan by EUR 14.1 million. The financial plan stands. 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 1,100 people. As at the end of April, LHV's banking services are being used by 432,000 clients, the pension funds managed by LHV have 120,000 active clients, and LHV Kindlustus protects a total of 167,000 clients. LHV Bank Limited, 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 Communications Manager Phone: +372 502 0786 Email: priit.rum@lhv.ee (mailto:priit.rum@lhv.ee)