Slide 1: LHV Group Q2 2021 results
LHV Group Q2 2021 results 20 July 2021
Slide 2: Decent growth with strong results
Decent growth with strong results +97 EURm +188 EURm +1.2 mil NUMBER OF LOANS DEPOSITS PAYMENTS +33 EURm +11 600 FUNDS BANK CUSTOMERS 2
Slide 3: All-time high quarterly results, excluding performance fee
All-time high quarterly results, excluding performance fee • • • • • 3
Slide 4: Net profit ahead of financial plan by +7.6 EURm
Net profit ahead of financial plan by +7.6 EURm • • • • 4
Slide 5: Deposits volume 4.9 EURb and loans volume 2.4 EURb
Deposits volume 4.9 EURb and loans volume 2.4 EURb 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 +7.2 EURm
Net profit ahead of financial plan by +7.2 EURm • • • • 7
Slide 8: Continuing growth in fund volumes, good return of pension funds
Continuing growth in fund volumes, good return of pension funds 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: Net profit affected by amortisation from II pillar customer contracts
Net profit affected by amortisation from II pillar customer contracts • • • • 9
Slide 10: Impact of pension reform smaller than expected in the financial plan
Impact of pension reform smaller than expected in the financial plan • • • 10
Slide 11: Volume of gross written premium 1.6 EURm, product selection and sales channels expanding
Volume of gross written premium 1.6 EURm, product selection and sales channels expanding • • • • 11
Slide 12: Volume of gross written premium 0.6 EURm, customer satisfaction remains high
Volume of gross written premium 0.6 EURm, customer satisfaction remains high • • • • 12
Slide 13: 24.3 EURm net profit, 23.0% ROE
6 months 24.3 EURm 23.0% NET PROFIT PRE-TAX ROE 33% +27,400 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