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AS LHV Group

LEI kood

529900JG015JC10LED24

Emitendi suuruskategooria

Suur kontsern

Majandustegevusalad

Finants- ja kindlustustegevus

Sektor(id)

Krediidiasutus

Emitendi registreeritud asukoht

Eesti

Üldandmed

Kategooriad

Muud korporatiivtoimingud

Teate ID

18049

Esitamise kuupäev ja aeg

16.12.2025 08:00:01

Teate sisu eesti keeles

Pealkiri

LHV Groupi tulemused novembris 2025

Teade

LHV Groupi novembri tulemused paistsid silma kõrgema kasumi ja ärimahtude
kasvuga. LHV Groupi konsolideeritud laenuportfell kasvas kuuvõrdluses 94 miljoni
võrra ja ulatus 5,38 miljardi euroni. Deposiitide maht kasvas 155 miljoni võrra
ja ulatus 7,66 miljardi euroni. LHV juhitud fondide maht suurenes 14 miljoni
võrra 1,67 miljardi euroni. Finantsvahendajatega seotud makseid tehti novembris
7,5 miljonit.

AS LHV Group teenis novembris konsolideeritud puhaskasumit 11,9 miljonit eurot.
Tütarettevõtetest teenis AS LHV Pank 11,4 miljonit eurot, LHV Bank Ltd 0,9
miljonit eurot, AS LHV Varahaldus 0,2 miljonit eurot ja AS LHV Kindlustus 0,04
miljonit eurot. Aktsionäridele kuuluva omakapitali tootlus oli novembris 19,3%.

LHV Panga klientide arv kasvas novembris 2875 võrra ja ulatus kokku 489 tuhande
kliendini. Laenumahud kasvasid 40 miljoni euro võrra ja laenuportfelli maht
ulatus 4,65 miljardi euroni. Eraisikute laenuportfell kasvas 22 miljoni euro
võrra, samal ajal kui ettevõtete laenuportfell kasvas 18 miljonit eurot. Kogu
laenuportfelli kvaliteet püsib tugev. Novembris alandati LHV Panga laenude ja
võlakirjade allahindlusi 3,7 miljoni euro võrra. Hoiuste maht suurenes 35
miljoni euro võrra ja ulatus 6,64 miljardi euroni. Nõudmiseni hoiused vähenesid
37 miljoni euro võrra, samal ajal kui tähtajalised hoiused suurenesid 71 miljoni
euro võrra.

Ühendkuningriigis tegutsev LHV Bank näitas novembris väga head ärimahtude kasvu.
Laenumahud suurenesid 55 miljoni euro võrra ja laenuportfell ulatus novembri
lõpu seisuga 728 miljoni euroni. Krediidikomitee poolt heaks kiidetud, kuid veel
väljastamata laene 144 miljoni euro ulatuses?. Hoiused kasvasid kuises võrdluses
119 miljoni euro võrra ja hoiuste kogumaht ulatus kokku 1,20 miljardi euroni.
Eelmise kuu jooksul lisandusid mobiilipanka Easy Access hoiused ning algas laiem
turundus- ja kommunikatsioonikampaania jaeklientide baasi kasvatamiseks.

November oli oktoobriga võrreldes finantsturgudel märksa rahulikum kuu ja see
kajastus ka LHV fondide tulemustes. LHV Varahalduse suuremad fondid Ettevõtlik
ja Julge tõusid kuuga vastavalt 0,6% ning 0,3%?. Fondide Tasakaalukas ja Rahulik
tootluseks kujunes mõlemal 0,4%. LHV Pensionifond Indeks tõusis kuuga 0,9%. Müük
olnud oodatust mõnevõrra tagasihoidlikum, fondide maht ja äritulu sellest
tulenevalt plaanist veidi maas?. Viimase 12 kuu parimate tootlustega
pensionifondid on suuremad LHV aktiivselt juhitud pensionifondid?.

LHV Kindlustus sõlmis novembris 3,3 miljoni euro eest uusi kindlustuslepinguid.
Novembri lõpu seisuga on kehtivaid kindlustuslepinguid ligikaudu 298 000.
Kahjujuhtumeid hüvitati 2,3 miljoni euro ulatuses ja registreeriti 12 700 uut
kahjujuhtumit. Novembris oli neto kulusuhe tavapärasest kõrgem ulatudes 30,7%,
mis oli suuresti tingitud müügikampaania erinevatest kuludest. Müügikampaania
aitas kaasa ka tugevatele tulemustele kasko- ja liikluskindlustuse müügis.

LHV Groupi netotulude senise aasta tulemus jääb finantsplaanile alla 8,7 miljoni
euroga ehk 3%. Puhaskasumi vaates jääb senise aasta tulemus finantsplaanile alla
5,9 miljoni euroga ehk 5%. Novembri lõpu seisuga ületab laenuportfell
finantsplaani 114 miljoni euroga ning hoiuste maht 168 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 1 100 inimese. LHV Panga
teenuseid kasutab novembri lõpu seisuga 489 000 klienti, LHV hallatavatel
pensionifondidel on 106 000 aktiivset klienti ja LHV Kindlustusega on kaitstud
230 000 klienti. Groupi tütarettevõte LHV Bank omab Ühendkuningriigi
pangalitsentsi ning pakub pangateenuseid rahvusvahelistele finantstehnoloogia
ettevõtetele, laenusid väikese ja keskmise suurusega ettevõtetele ning
jaepanganduse teenuseid.


Investorsuhted

Sten Hans Jakobsoo
Investorsuhete ja ettevõtte arenduse juht
E-post: [email protected] (mailto:[email protected])

Meedia ja kommunikatsioon
Paul Pihlak
Kommunikatsioonijuht
E-post: [email protected]
(https://www.globenewswire.com/Tracker?data=PXnBlH5t6_HC1z82_Z3UsH7zv7KOSM8YVbgt
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Pealkiri

LHV Group results in November 2025

Teade

LHV Group's November results were marked by higher profit and increased business
volumes. The consolidated loan portfolio of LHV Group increased by EUR 94
million in the monthly comparison to EUR 5.38 billion. Deposits increased by EUR
155 million to EUR 7.66 billion. The volume of the funds managed by LHV
increased by EUR 14 million to EUR 1.67 billion. Payments related to financial
intermediaries amounted to 7.5 million in November.

In November, AS LHV Group earned EUR 11.9 million in consolidated net profit.
Among subsidiaries, AS LHV Pank earned EUR 11.4 million, LHV Bank Ltd EUR 0.9
million, AS LHV Varahaldus EUR 0.2 million, and AS LHV Kindlustus EUR 0.04m. In
November, the return on equity attributable to the shareholders was 19.3%.

The number of LHV Pank customers increased by 2,875 in November, reaching a
total of 489,000 customers. Loan volume increased by EUR 40 million and the
volume of the loan portfolio reached EUR 4.65 billion. The loan portfolio of
private individuals increased by EUR 22 million, while the corporate loan
portfolio increased by EUR 18 million. The quality of the loan portfolio remains
strong. In November, impairments on LHV Pank's loans and bonds decreased by EUR
3.7 million compared with the previous month. Deposit volume increased by EUR
35 million, reaching EUR 6.64 billion. Demand deposits fell by EUR 37 million,
while term deposits rose by EUR 71 million.

LHV Bank in the United Kingdom recorded strong business growth in November. Loan
volumes increased by EUR 55 million and the loan portfolio reached EUR 728
million as at the end of November. Loans approved by the credit committee but
not yet disbursed amounted to EUR 144 million. Deposits increased by EUR 119
million month-on-month and total deposits amounted to EUR 1.20 billion. During
the month, new Easy Access deposits were added to the mobile bank and a broader
marketing and communications campaign was launched to expand the retail customer
base.

November was calmer in financial markets compared with October, which was
reflected in LHV funds' performance. The largest funds of LHV Varahaldus,
Ettevõtlik and Julge, increased by 0.6% and 0.3%, respectively, over the month.
The return of the funds Tasakaalukas and Rahulik was 0.4% in both cases. LHV
Pensionifond Indeks rose 0.9% over the month. Sales have been somewhat more
modest than expected, with the volume of funds and operating income slightly
behind the plan as a result. Over the past 12 months, the best-performing
pension funds are LHV's actively managed funds.

In November, LHV Kindlustus concluded new insurance contracts in the amount of
EUR 3.3 million. As at the end of November, there were approximately 298,000
insurance contracts in force. Loss events were reimbursed in the amount of EUR
2.3 million and 12,700 new loss events were recorded. The net expense ratio in
November was higher than usual, reaching 30.7%. This was primarily due to
additional costs associated with the sales campaign. However, the campaign
positively impacted results, supporting strong growth in both motor own damage
insurance and motor third party liability insurance sales.

LHV Group's net income for the current year so far remains below the financial
plan by EUR 8.7 million, i.e. 3%. In terms of net profit, the result of the
current year is below the financial plan by EUR 5.9 million, i.e. 5%. As at the
end of November, the loan portfolio exceeds the financial plan by EUR 114
million and the volume of deposits by EUR 168 million.

To access the reports of AS LHV Group, please visit the website at
https://investor.lhv.ee/en/reports/
(https://www.globenewswire.com/Tracker?data=0HjuAAbtqgGChxMmi93JTCR3xVGX4DdPSJD0
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Ey5sRLFeprTZjB08dx6SpDIdB9-sdcze).

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 approximately 1,200 people.
As at the end of November, the banking services of LHV Pank are being used by
489,000 customers, the pension funds managed by LHV have 106,000 active
customers, and LHV Kindlustus protects a total of 230,000 customers. 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 and retail banking services.


Investor relations
Sten Hans Jakobsoo
Head of Investor Relations & Corporate Development
E-mail: [email protected] (mailto:[email protected])

Media and Communication
Paul Pihlak
Head of Communications
E-mail: [email protected]
(https://www.globenewswire.com/Tracker?data=PXnBlH5t6_HC1z82_Z3UsH7zv7KOSM8YVbgt
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