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19.12.2024 08:00:34

Pealkiri

Euroopa Keskpanga järelevalveline hinnang kapitalile ja LHV Groupi sisemised kapitalieesmärgid

Teade

Detsembris esitas Euroopa Keskpank (ECB) AS-ile LHV Group järelevalvelise
hinnangu ja täiendava omavahendite nõude (SREP) kapitali adekvaatsuse arvutuses.

Vastavalt ECB otsusele langesid LHV Groupile kehtivad Pillar 2 kapitalinõuded.
LHV Groupile rakendub konsolideeritud tasemel täiendav omavahendite nõue summas
3,00%, millest vähemalt 1,69% peab olema kaetud esmase taseme põhiomavahenditega
ja vähemalt 2,25% kaetud esmase taseme omavahenditega.

Kehtima jääb Eesti Panga poolt määratav vastutsüklilisuse puhver summas 1,50
protsendipunkti. Vastutsükliline puhver on üks neljast regionaalsest puhvrist,
mis kehtestatakse makrofinantsjärelvalve eesmärkide täitmiseks ning mille
kehtestamise paindlikkus on jäetud igale liikmesriigile.

Tulenevalt ECB Pillar 2 kapitalinõuete hinnangust otsustas LHV Groupi nõukogu
tõsta vastavas mahus sisemisi puhvreid ja jätta kehtima minimaalseks
koguomavahendite suhtarvuks 19,70%, minimaalseks esmase taseme omavahendite
suhtarvuks 16,85% ning minimaalseks esimese taseme põhiomavahendite suhtarvuks
14,70%.

Antud suhtarvude komponentide jaotus on järgmine:

+---------------------------------------+------+------+------------------------+
|Mõõdik                                 |CET 1 |Tier 1|Koguomavahendite suhtarv|
+---------------------------------------+------+------+------------------------+
|Baasnõue                               |4,50% |6,00% |         8,00%          |
+---------------------------------------+------+------+------------------------+
|Pillar 2 kapitalinõue (P2R)            |1,69% |2,25% |         3,00%          |
+---------------------------------------+------+------+------------------------+
|Kokku SREP kapitalinõue (TSCR)         |6,19% |8,25% |         11,00%         |
+---------------------------------------+------+------+------------------------+
|Kapitali säilitamise puhver            |2,50% |2,50% |         2,50%          |
+---------------------------------------+------+------+------------------------+
|Süsteemse riski puhver                 |0,00% |0,00% |         0,00%          |
+---------------------------------------+------+------+------------------------+
|Vastutsüklilisuse puhver               |1,50% |1,50% |         1,50%          |
+---------------------------------------+------+------+------------------------+
|O-SII puhver                           |2,00% |2,00% |         2,00%          |
+---------------------------------------+------+------+------------------------+
|Kombineeritud puhver kokku             |6,00% |6,00% |         6,00%          |
+---------------------------------------+------+------+------------------------+
|Kokku üldine kapitalinõue              |12,19%|14,25%|         17,00%         |
+---------------------------------------+------+------+------------------------+
|Omavahendite suunis                    |2,00% |2,00% |         2,00%          |
+---------------------------------------+------+------+------------------------+
|Sisemised puhvrid                      |0,51% |0,60% |         0,70%          |
+---------------------------------------+------+------+------------------------+
|Kokku sisemine kapitalinõude riskiisu  |      |      |                        |
|piir                                   |14,70%|16,85%|         19,70%         |
+---------------------------------------+------+------+------------------------+


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.


Marthi Lepik
LHV kommunikatsioonispetsialist
Telefon: 5666 2944
E-post: [email protected] (mailto:[email protected])

Pealkiri

Outcome of Supervisory Review and Evaluation Process by the ECB and LHV Group's Internal Capital Targets

Teade

In December, the European Central Bank (ECB) presented AS LHV Group with the
outcome of Supervisory Review and Evaluation Process (SREP) for capital adequacy
calculation.

According to the ECB's decision, the Pillar 2 capital requirements for LHV Group
were reduced. An additional requirement for own funds in the amount 3.00%
applies to LHV Group, of which at least 1.69% must be covered by Core Tier 1 own
funds and at least 2.25% by Tier 1 capital.

The countercyclical buffer set by Eesti Pank in the amount of 1.50 percentage
points remains in force. The countercyclical buffer is one of the four regional
buffers that are set for meeting the objectives of macroprudential supervision
and the flexibility of establishing it is left to each member state.

The Supervisory Board of LHV Group, considering the ECB's decision, decided to
increase the internal buffers in the corresponding amount, while maintaining the
total own funds target ratio at 19.70%, Tier 1 ratio at 16.85% and Core Tier 1
ratio at 14.70%.

Underneath is the target split into components:

+------------------------------------------+------+------+---------------------+
|Indicator                                 |CET 1 |Tier 1|Total own funds ratio|
+------------------------------------------+------+------+---------------------+
|Basic requirement                         |4.50% |6.00% |        8.00%        |
+------------------------------------------+------+------+---------------------+
|Pillar 2 capital requirement (P2R)        |1.69% |2.25% |        3.00%        |
+------------------------------------------+------+------+---------------------+
|Total SREP Capital Requirement (TSCR)     |6.19% |8.25% |       11.00%        |
+------------------------------------------+------+------+---------------------+
|Capital conservation buffer               |2.50% |2.50% |        2.50%        |
+------------------------------------------+------+------+---------------------+
|Systemic risk buffer                      |0.00% |0.00% |        0.00%        |
+------------------------------------------+------+------+---------------------+
|Countercyclical buffer                    |1.50% |1.50% |        1.50%        |
+------------------------------------------+------+------+---------------------+
|O-SII buffer                              |2.00% |2.00% |        2.00%        |
+------------------------------------------+------+------+---------------------+
|Total combined buffer                     |6.00% |6.00% |        6.00%        |
+------------------------------------------+------+------+---------------------+
|Total general capital requirement         |12.19%|14.25%|       17.00%        |
+------------------------------------------+------+------+---------------------+
|Pillar 2 guidance                         |2.00% |2.00% |        2.00%        |
+------------------------------------------+------+------+---------------------+
|Internal buffers                          |0.51% |0.60% |        0.70%        |
+------------------------------------------+------+------+---------------------+
|Total internal capital requirement risk   |      |      |                     |
|appetite limit                            |14.70%|16.85%|       19.70%        |
+------------------------------------------+------+------+---------------------+


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.


Marthi Lepik
Communication Specialist
Phone: +372 5666 2944
Email: [email protected] (mailto:[email protected])