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AS LHV Group
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12.08.2025 08:00:01
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LHV Groupi tulemused juulikuus 2025
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Juulikuud iseloomustas tugev ärimahtude kasv. LHV Groupi konsolideeritud laenuportfell kasvas kuuvõrdluses 33 miljoni võrra ja ulatus 5,03 miljardi euroni. Deposiitide maht kasvas 260 miljoni võrra ja ulatus 7,62 miljardi euroni. LHV juhitud fondide maht suurenes 33 miljoni võrra 1,60 miljardi euroni. Finantsvahendajatega seotud makseid tehti juulis 6,8 miljonit. AS LHV Group teenis juulis konsolideeritud puhaskasumit 10,5 miljonit eurot. Tütarettevõtetest teenis AS LHV Pank 10,4 miljonit eurot, LHV Bank Ltd 0,4 miljonit eurot, AS LHV Kindlustus 0,3 miljonit eurot ja AS LHV Varahaldus 0,3 miljonit eurot. Aktsionäridele kuuluva omakapitali tootlus oli juulis 17,0%. LHV Panga klientide arv kasvas juulikuus 2800 võrra ja ulatus kokku 476 tuhande kliendini. Laenumahud kasvasid 16 miljoni euro võrra ja laenuportfelli maht ulatus 4,45 miljardi euroni. Eraisikute laenuportfell kasvas 28 miljoni euro võrra, samal ajal kui ettevõtete laenuportfell langes 12 miljonit eurot. Kogu laenuportfelli kvaliteet püsib tugev. Hoiuste maht suurenes 227 miljoni euro võrra ja ulatus 6,79 miljardi euroni. Hoiuste intressid langevad laenude intressidest aeglasemalt, mistõttu on intressitulud plaanist maas. Rahvusvaheline juhtiv majandusajakiri Euromoney nimetas LHV Panga Eesti parimaks pangaks pälvides auhinna tugevate majandustulemuste, kiire kliendibaasi kasvu ning aktiivse uusmüügi eest. Ühendkuningriigis tegutsev LHV Bank jätkas juulikuus ärimahtude kasvu. Laenumahud suurenesid 16 miljoni euro võrra ning laenuportfell ulatus juuli lõpu seisuga 586 miljoni euroni. Hoiused kasvasid kuises võrdluses 32 miljoni euro võrra ning hoiuste kogumaht ulatus kokku 1,05 miljardi euroni. Hoiused on jätkuvalt kaasatud peamiselt hoiuseplatvormide kaudu. Samal ajal jätkub ka jaepanganduse pakkumise edasiarendamine, kus viimase arenguna toodi turule Apple Pay lahendus. LHV Kindlustus sõlmis juulis 3,5 miljoni euro eest uusi kindlustuslepinguid. Juuli lõpu seisuga on kehtivaid kindlustuslepinguid ligikaudu 284 000. Kahjujuhtumeid hüvitati 2,2 miljoni euro ulatuses ja registreeriti 10 000 uut kahjujuhtumit. Kindlustuse kasumlikkus püsib endiselt heal tasemel. LHV Varahalduse fondid näitasid juulikuus head tootlust. Suuremad fondid L ja XL tõusid kuuga vastavalt 0,9% ja 1,0%. Mõlema tootlus on aasta algusest II samba turu selle aasta parim vastavalt 5,7% ja 8,4%. LHV Pensionifond Indeks tõusis kuuga 4,5% ja LHV Pensionifond Roheline 2,4%. LHV Varahalduse puhaskasum edestab fondide heast tootlusest tingituna finantsplaani, fondide maht ja klientide arv on napilt plaanist maas. LHV Grupi finantsplaan jätkuvalt püsib. Netotulude lõikes ületab senise aasta tulemus finantsplaani 2,4 miljoni euroga ning puhaskasumi vaates samuti 2,4 miljoni euroga. Juuli lõpu seisuga ületab laenuportfell finantsplaani 62 miljoni euroga ning hoiuste maht 430 miljoni euroga. AS-i LHV Group aruanded on saadaval aadressil: https://investor.lhv.ee/aruanded (https://www.globenewswire.com/Tracker?data=0HjuAAbtqgGChxMmi93JTCR3xVGX4DdPSJD0 DquIH1Bx2B3GjRO0BXmeqP9UIg76-ECZ8ida3JJ_1LF1MXDNXoyakf_XTuy- Ey5sRLFeprTZjB08dx6SpDIdB9-sdcze). 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 Panga teenuseid kasutab juuli lõpu seisuga 476 000 klienti, LHV hallatavatel pensionifondidel on 109 000 aktiivset klienti ja LHV Kindlustusega on kaitstud 177 000 klienti. Groupi tütarettevõte LHV Bank omab Ühendkuningriigi pangalitsentsi ning pakub pangateenuseid rahvusvahelistele finantstehnoloogia ettevõtetele ja laenusid väikese ja keskmise suurusega ettevõtetele. Investorsuhted Sten Hans Jakobsoo Investorsuhete ja ettevõtte arenduse juht E-post: [email protected] (https://www.globenewswire.com/Tracker?data=SydLVxFsf_uT- vT0qzjnvF4eXtVAmdDyi9XojL5phDkNYMZwy7Eujx1GRB8INk96QZfu71QTQGlJSq3cACDPvHBPttZ2H MTn7TVSRBZrx6qeM4F77i7pAKiq_- Ukdo81VlBzR4nX2J0rWqt_OsrJIjzeq79Qo3IQWLJdKc4F_igIx5QDRnGCsDAjbLiwCt- uY0CSPiED57ZAOc0quyhLlU8CJQEI_GYQg5eX8qc1p51U58lyuNjdmfR7IBYLU_ThVFvt6VhheKPxBWN Qlgw-bAfPiPLUFgAzQp986KD6k7S7svqtdNq3HikNZj1ElDx9mBCUrLfoUhuw_vr-CUg3esS- pUiB9WvYO0zmGgSxUchisc2QSKknK5eq_6wYf_m5tHR8- NqGtx5RhlzsWUfUZbCzqfVCeCYZnz2_lgpuOK0NYIa0EPNNwTdNPvkpQ6ZZEH8_mCn17o0SwqwEVN_xk 6msaf6W7QrSD93hV-hIEeY3zTpCFkMU8KiIyOgjkOJFSTULEJdkMYRl7OWnXrlWHw==) Meedia ja kommunikatsioon Paul Pihlak LHV kommunikatsioonijuht E-post: [email protected] (https://www.globenewswire.com/Tracker?data=PXnBlH5t6_HC1z82_Z3UsH7zv7KOSM8YVbgt PKWuIsRJGSbdHHAVo- UpoTDj1sSYrEcI6XlNUUd7fCxFuOQG7G2k5m1j3_QljrNfu7XuWdPT6MeZjt1jQrQOUwLzE7pnpmw8MK - D1dc4IMGhr77Fn5D1F9ldCNTtts0KKhscScMB9O3bx1DM7Wqq6lcYSAhQF883YaJA3Pdd6LgeQ1E0Mnp N_sPbfNd0k4qA4MDF3w_Vwt3B9HqaK0nrThGOQeduOT-wQJMn0XfPLwI1i4dT8URfHvAa- C0yg2hRblcLUhR1U58mtE_BuLzjdhEjwMqHs3RdtjhZlTbk9eM_n- LbG2l_20XlqhZXTiCV6E7D3NepknqMuFpH0fx2YbEn0vmglTPIyFIa7dtp30l6gsC8ddV-vcVVN- uJ1k8PJujZPEKGb67r5rjB7qbIKLUSqrbpmwz4gK5XIDg3T19fNoFbf21cPfkgODCIFckgvLm_C3b6vx hOEe80lFlF7TTnNVoA)
Pealkiri
LHV Group results in July 2025
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July was characterised by strong growth in business volumes. The LHV Group's consolidated loan portfolio increased by EUR 33 million month-on-month, reaching EUR 5.03 billion. Deposit volume increased by EUR 260 million, reaching EUR 7.62 billion. The volume of the funds managed by LHV increased by EUR 33 million, reaching EUR 1.60 billion. Payments related to financial intermediaries amounted to 6.8 million in July. In July, AS LHV Group earned EUR 10.5 million in consolidated net profit. Among subsidiaries, AS LHV Pank earned EUR 10.4 million, LHV Bank Ltd 0.4 million, AS LHV Kindlustus EUR 0.3 million and AS LHV Varahaldus EUR 0.3 million of net profit. The return on equity attributable to the shareholders was 17.0% in July. The number of customers of LHV Pank increased by 2,800 in July, reaching 476,000. Loan volumes increased by EUR 16 million and the loan portfolio amounted to EUR 4.45 billion. The retail loan portfolio increased by EUR 28 million, while the corporate loan portfolio decreased by EUR 12 million. The quality of the loan portfolio remains strong. Deposits increased by EUR 227 million, reaching EUR 6.79 billion. Interest on deposits is falling slower than interest on loans, which is why interest income is lagging behind the plan. The leading international business and finance magazine Euromoney named LHV Pank the best bank in Estonia, awarding it the prize for its strong economic results, rapid customer base growth and active new sales. LHV Bank, which operates in the United Kingdom, continued to grow its business volumes in July. Loan volumes increased by EUR 16 million and the loan portfolio reached EUR 586 million as at the end of July. Deposits increased by EUR 32 million month-on-month and total deposits reached EUR 1.05 billion. Deposits continue to be mainly raised through deposit platforms. At the same time, the retail banking offer continues to evolve, with the latest development being the launch of the Apple Pay solution. LHV Kindlustus signed new insurance contracts worth EUR 3.5 million in July. As at the end of July, there are approximately 284,000 insurance contracts in force. Loss events were compensated for in the amount of EUR 2.2 million and 10,000 new claims were registered. Insurance profitability remains at a good level. The funds of LHV Varahaldus showed a good rate of return in July. Larger funds L and XL increased by 0.9% and 1.0%, respectively, over the month. Since the beginning of the year, the rate of return of both are the best in the II pillar market this year at 5.7% and 8.4%, respectively. LHV Pensionifond Indeks increased by 4.5%, and LHV Pensionifond Roheline by 2.4%. Due to the good performance of the funds, the net profit of LHV Varahaldus is outperforming the financial plan, with the size of the funds and the number of customers lagging slightly behind the plan. The financial plan of LHV Group continues to stand firm. In terms of net income, the result of the current year exceeds the financial plan by EUR 2.4 million and in terms of net profit also by EUR 2.4 million. As at the end of July, the loan portfolio exceeds the financial plan by EUR 62 million and the volume of deposits by EUR 430 million. To access the reports of AS LHV Group, please visit the website at https://investor.lhv.ee/aruanded (https://www.globenewswire.com/Tracker?data=0HjuAAbtqgGChxMmi93JTCR3xVGX4DdPSJD0 DquIH1Bx2B3GjRO0BXmeqP9UIg76-ECZ8ida3JJ_1LF1MXDNXoyakf_XTuy- Ey5sRLFeprTZjB08dx6SpDIdB9-sdcze). LHV Group is the largest domestic financial group and capital provider in Estonia. The 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 July, the services of LHV Pank are being used by 476,000 customers, the pension funds managed by LHV have 109,000 active customers, and LHV Kindlustus protects a total of 177,000 customers. 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. Investor Relations Sten Hans Jakobsoo Head of Investor Relations and Corporate Development E-mail: [email protected] (https://www.globenewswire.com/Tracker?data=SydLVxFsf_uT- vT0qzjnvF4eXtVAmdDyi9XojL5phDkNYMZwy7Eujx1GRB8INk96QZfu71QTQGlJSq3cACDPvHBPttZ2H MTn7TVSRBZrx6qeM4F77i7pAKiq_- Ukdo81VlBzR4nX2J0rWqt_OsrJIjzeq79Qo3IQWLJdKc4F_igIx5QDRnGCsDAjbLiwCt- uY0CSPiED57ZAOc0quyhLlU8CJQEI_GYQg5eX8qc1p51U58lyuNjdmfR7IBYLU_ThVFvt6VhheKPxBWN Qlgw-bAfPiPLUFgAzQp986KD6k7S7svqtdNq3HikNZj1ElDx9mBCUrLfoUhuw_vr-CUg3esS- pUiB9WvYO0zmGgSxUchisc2QSKknK5eq_6wYf_m5tHR8- NqGtx5RhlzsWUfUZbCzqfVCeCYZnz2_lgpuOK0NYIa0EPNNwTdNPvkpQ6ZZEH8_mCn17o0SwqwEVN_xk 6msaf6W7QrSD93hV-hIEeY3zTpCFkMU8KiIyOgjkOJFSTULEJdkMYRl7OWnXrlWHw==) Media and Communications Paul Pihlak Head of Communications E-mail: [email protected] (https://www.globenewswire.com/Tracker?data=PXnBlH5t6_HC1z82_Z3UsH7zv7KOSM8YVbgt PKWuIsRJGSbdHHAVo- UpoTDj1sSYrEcI6XlNUUd7fCxFuOQG7G2k5m1j3_QljrNfu7XuWdPT6MeZjt1jQrQOUwLzE7pnpmw8MK - D1dc4IMGhr77Fn5D1F9ldCNTtts0KKhscScMB9O3bx1DM7Wqq6lcYSAhQF883YaJA3Pdd6LgeQ1E0Mnp N_sPbfNd0k4qA4MDF3w_Vwt3B9HqaK0nrThGOQeduOT-wQJMn0XfPLwI1i4dT8URfHvAa- C0yg2hRblcLUhR1U58mtE_BuLzjdhEjwMqHs3RdtjhZlTbk9eM_n- LbG2l_20XlqhZXTiCV6E7D3NepknqMuFpH0fx2YbEn0vmglTPIyFIa7dtp30l6gsC8ddV-vcVVN- uJ1k8PJujZPEKGb67r5rjB7qbIKLUSqrbpmwz4gK5XIDg3T19fNoFbf21cPfkgODCIFckgvLm_C3b6vx hOEe80lFlF7TTnNVoA)