Lhv Group As · OMXTSE:LHV1T
Lhv Group As — Q2 2022 Earnings Presentation
18 slides from Lhv Group As's earnings presentation, Jul 19, 2022
Slide 1: LHV Group Q2 results
LHV Group Q2 results 19 July 2022
Slide 2: Business environment affecting various areas differently
Business environment affecting various areas differently +172 EURm -44 EURm -0.1 mil NR OF UK LOANS DEPOSITS PAYMENTS -103 EURm +13,100 FUNDS BANK CUSTOMERS 2
Slide 3: Business volumes continue growing
Business volumes continue growing • • • • • 3
Slide 4: Net profit behind the financial plan by -3.5 EURm
Net profit behind the financial plan by -3.5 EURm • • • • • • 4
Slide 5: Adapting to new situation
Adapting to new situation Deposits • • • Loans (net) • • 5
Slide 6: Decent growth in loan volumes
Decent growth in loan volumes • • • 6
Slide 7: Net profit behind the financial plan by -2.3 EURm
Net profit behind the financial plan by -2.3 EURm • • • • 7
Slide 8: Actively managed funds have retained value in difficult market conditions
Actively managed funds have retained value in difficult market conditions Assets under management and customers • • Pillar II comparable pension funds Index funds and pension fund NAV change (YTD) Roheline NAV change YTD • • 8
Slide 9: Profitability negatively affected by negative returns of funds
Profitability negatively affected by negative returns of funds • • • 9
Slide 10: More people joining than exiting the second pillar
More people joining than exiting the second pillar • • • • 10
Slide 11: Rapid growth in business volumes and improving financial results
Rapid growth in business volumes and improving financial results • • • • 11
Slide 12: Sales volumes of all products rapidly increasing
Sales volumes of all products rapidly increasing • • • • • 12
Slide 13: 6 months results summary
6 months ↑9% ↓2% +248 EURm -325 th LOANS NR OF UK ↑9% ↓8% PAYMENTS ↓7% +29,200 -441 EURm -90 EURm BANK CUSTOMERS DEPOSITS +63 200 FUNDS 26.4 EURm 18.0% NET PROFIT PRE-TAX ROE 13
Slide 14: Annexes
Annexes
Slide 15: Liquidity and capitalization as planned
Liquidity and capitalization as planned LCR Loan-deposit ratio • • • T1 capital adequacy Total capital adequacy 15
Slide 16: Strong quality of the portfolio
Strong quality of the portfolio Corporate loans by ratings Corporate loans overdue porfolio • • LHV Finance loans overdue porfolio Retail banking loans overdue portfolio 16
Slide 17: Share information
Share information LHV share 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