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17.12.2024 08:00:31
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LHV Groupi tulemused novembris 2024
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AS-i LHV Group jaoks paistis november silma laenumahtude tugeva kasvuga. LHV Groupi konsolideeritud laenuportfell kasvas novembris 162 miljoni euro võrra. Klientide hoiuste kogumaht kasvas 48 miljoni euro võrra ja LHV juhitud fondid suurenesid 26 miljoni euro võrra. Finantsvahendajatega seotud makseid tehti novembris 6,3 miljonit. AS LHV Group teenis novembris konsolideeritult 10,2 miljonit eurot puhaskasumit. Tütarettevõtetest AS LHV Pank teenis kuuga 9,0 miljonit eurot, LHV Bank Ltd 743 tuhat eurot, AS LHV Varahaldus 231 tuhat eurot ja AS LHV Kindlustus 108 tuhat eurot puhaskasumit. LHV Group on olemasolevad omavahendid maksimaalselt tööle pannud, mis väljendub ajalooliselt kiireimas laenuportfelli kasvus. Samas nõuab endiselt kõrgete kapitalinõuete ja kiire intressitasemete muutusega keskkond tugevat reageerimist ka kulude poolel, mistõttu plaanib LHV Pank lähiajal vähendada ametikohtade arvu. LHV Panga klientide arv kasvas kuuga 3700 võrra ja ärimahud kasvasid kõrgeimale tasemele. Panga laenuportfelli 124 miljoni eurosest suurenemisest 28 miljonit tuli jaelaenude ja 96 miljonit ettevõtete laenude arvelt. Hoiustest tavaklientide hoiused vähenesid 71 miljoni euro võrra, kuid finantsvahendajate hoiused näitasid 199 miljoni euro suurust kasvu. Panga krediidikvaliteet püsis tugeval tasemel, allahindlusi tehti ettevaatavalt. Novembris maksis pank 146 jalgpalliklubile üle Eesti välja jalgpallifännide poolt LHV Jalgpallikaardi kasutamisega kogutud rekordtoetuse 165 tuhat eurot. Ühtlasi allkirjastas pank koostöölepingu Eesti Laskesuusatamise Föderatsiooniga, mille kohaselt on LHV vähemalt 2027. aastani Eesti laskesuusatamise peasponsor. Ka LHV Bank Limitedi jaoks oli november tugeva mahtude kasvuga nii ettevõtete laenude kui ka finantsvahendajate valdkonnas. Laenuportfell kasvas 37 miljoni euro võrra, k kuid krediidikomitees heaks kiidetud väljastamata laene 172 miljoni euro mahus. Neto intressitulud jäid planeeritust madalamale tasemele tulenevalt finantsvahendajate madalamatest hoiustest ja väiksemast laenuportfellist eelmistel kuudel. Teenustasutulud on seoses hinnasurvega turul mõnevõrra vähenenud. LHV Varahalduse jaoks oli november aktiivne kuu. Novembri lõpu tähtajaks esitas II pensionisamba sissemaksete suurendamise avalduse kokku ligi 14 000 LHV pensionifondide klienti. Aktiivsete pensionikogujate koguarv oli 114 000. Aktsiaturgudel oli november USA valimiste tuules väga tugev kuu - II samba fondid näitasid positiivset tootlust. LHV Varahalduse kasum edestab mõnevõrra finantsplaani. LHV Kindlustuse jaoks jätkus stabiilne kasumlik kasv, kui sõlmiti 18 200 uut kindlustuslepingut 3 miljoni euro mahus. Kahjusid hüvitati 2,1 miljoni euro summas, tavapärasest rohkem registreeriti liikluskindlustuse juhtumeid. Nii ärimahtude kui ka kasumi osas edestab kindlustusselts finantsplaani. Novembris lõppenud LHV Groupi allutatud võlakirjade avalikul pakkumisel osales 2293 investorit, kellelt ettevõtte kaasas 20 miljonit eurot. Emissiooni maht märgiti 2,5 korda üle. Novembri lõpuks jääb LHV Group puhaskasumi osas oktoobri alguses avalikustatud finantsplaanile 3 miljoni euroga alla. Finantsplaan püsib. AS-i LHV Group aruanded on saadaval aadressil: https://investor.lhv.ee/aruanded. 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 1200 inimese. LHV pangateenuseid kasutab novembri lõpu seisuga 452 000 klienti, LHV hallatavatel pensionifondidel on 114 000 aktiivset klienti ja LHV Kindlustusega on kaitstud 170 000 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: [email protected] (mailto:[email protected])
Pealkiri
LHV Group results in November 2024
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For AS LHV Group, November was marked by a strong increase in loan volumes. LHV Group's consolidated loan portfolio increased by EUR 162 million in November. The total volume of client deposits increased by EUR 48 million and the funds managed by LHV increased by EUR 26 million. Payments related to financial intermediaries amounted to 6.3 million in November. In November, AS LHV Group earned EUR 10.2 million in consolidated net profit. Out of the subsidiaries, AS LHV Pank earned EUR 9.0 million, LHV Bank Ltd EUR 743 thousand, AS LHV Varahaldus EUR 231 thousand, and AS LHV Kindlustus EUR 108 thousand in net profit during the month. LHV Group has put its existing own funds to work to a maximum extent, which is reflected in the record growth of the loan portfolio. At the same time, the environment with high capital requirements and rapid changes in interest rates still requires a strong response on the expenditure side, which is why LHV Pank plans to reduce the number of positions in the near future. The number of clients of LHV Pank increased by 3,700 during the month and business volumes increased to the highest level. Of the EUR 124 million increase in the bank's loan portfolio, 28 million came from retail loans and 96 million from corporate loans. Deposits from retail clients decreased by EUR 71 million, while deposits from financial intermediaries showed an increase of EUR 199 million. The credit quality of the bank remained at a strong level, and impairments were applied in a forward-looking manner. In November, the bank paid out a record support of EUR 165,000 to 146 football clubs across Estonia, collected by football fans using the LHV Football Card. The bank also signed a cooperation agreement with the Estonian Biathlon Federation, according to which LHV will be the main sponsor of Estonian biathlon until at least 2027. For LHV Bank Limited, November also saw strong growth in both corporate loans and financial intermediaries. The loan portfolio increased by EUR 37 million, however, there are undisbursed loans worth EUR 172 million approved by the credit committee. Net interest income remained at a lower level than planned due to lower deposits of financial intermediaries and a smaller loan portfolio in previous months. Fee and commission income has decreased somewhat due to price pressures in the market. November was also an active month for LHV Varahaldus. By the end of November, nearly 14,000 clients of LHV pension funds had submitted an application for increasing contributions to the II pension pillar. The total number of active pension savers was 114,000. In the stock markets, November was a very strong month in the winds of the US elections, with II pillar funds showing positive returns. The profit of LHV Varahaldus somewhat outperformed the financial plan. For LHV Kindlustus, the stable profitable growth continued when 18,200 new insurance contracts were concluded in the amount of EUR 3 million. Damages were compensated in the amount of EUR 2.1 million, more motor third party liability insurance events were registered than usual. In terms of both business volumes and profit, the insurance company is outperforming the financial plan. The LHV Group's public offering of subordinated bonds, which ended in November, was subscribed to by 2,293 investors, from whom the company raised EUR 20 million. The volume of the issue was oversubscribed 2.5 times. By the end of November, LHV Group's net profit was EUR 3 million lower than the financial plan disclosed at the beginning of October. 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 1,200 people. As at the end of November, LHV's banking services are being used by 452,000 clients, the pension funds managed by LHV have 114,000 active clients, and LHV Kindlustus protects a total of 170,000 clients. LHV Bank Limited, a subsidiary of the Group, holds a banking licence in the United Kingdom 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: [email protected] (mailto:[email protected])