Lhv Group As · OMXTSE:LHV1T
Lhv Group As — Q3 2021 Earnings Presentation
18 slides from Lhv Group As's earnings presentation, Oct 19, 2021
Slide 1: LHV Group Q3 2021 results
LHV Group Q8 2021 results 19 October 2021
Slide 2: Decent growth along with strong results
Decent growth along with strong results +148 EURm +535 EURm +0.8 mil NUMBER OF LOANS DEPOSITS PAYMENTS -336 EURm +16 300 FUNDS BANK CUSTOMERS 2
Slide 3: Strong quarter in bank's business volumes, volume of funds decreased
Strong quarter in bank’s business volumes, volume of funds decreased • • • • • 3
Slide 4: Net profit ahead of financial plan by +1.7 EURm
Net profit ahead of financial plan by +1.7 EURm • • • • 4
Slide 5: Strong quarterly growth
Strong quarterly growth Deposits • • • Loans (net) • 5
Slide 6: High customer activity and very good quality of loan portfolio
High customer activity and very good quality of loan portfolio • • • • 6
Slide 7: Net profit ahead of financial plan by +2 EURm
Net profit ahead of financial plan by +2 EURm • • • • • 7
Slide 8: Negative impact of pension reform more modest than expected
Negative impact of pension reform more modest than expected Assets under management and customers • • Pillar II comparable pension funds NAV Passive funds and pension fund change (YTD) Roheline NAV change YTD • • 8
Slide 9: Quarterly profit amounted to 0.6 EURm
Quarterly profit amounted to 0.6 EURm • • • • 9
Slide 10: Results largely in line with financial plan
Results largely in line with financial plan • • • • 10
Slide 11: Expanding product selection and increasing number of partners
Expanding product selection and increasing number of partners • • • • • • 11
Slide 12: Record sales volumes of appliance insurances, customer satisfaction remains high
Record sales volumes of appliance insurances, customer satisfaction remains high • • • • • • 12
Slide 13: 40.9 EURm net profit, 24.5% ROE
9 months 40.9 EURm 24.5% NET PROFIT PRE-TAX ROE 37% +43,700 BANK LOAN VOLUMES CUSTOMERS ANNUAL GROWTH INCREASE 13
Slide 14: Annexes
Annexes
Slide 15: Liquidity and capitalization strong as planned
Liquidity and capitalization strong as planned LCR Loan-deposit ratio • • T1 capital adequacy Total capital adequacy • • 15
Slide 16: Strong quality of portfolio
Strong quality of portfolio Corporate loans by ratings Corporate loans overdue porfolio • • LHV Finance loans overdue porfolio Retail banking loans overdue portfolio 16
Slide 17: Stock information
Stock information LHV stock price and turnover • • • • Dynamics of LHV stock price and comparison indexes • 17
Slide 18: Madis Toomsalu, Meelis Paakspuu contacts
Madis Toomsalu madis.toomsalu@lhv.ee Meelis Paakspuu meelis.paakspuu@lhv.ee AS LHV GROUP TARTU MNT 2, TALLINN 6 802 670 INFO@LHV.EE LHV.EE