Lhv Group As · OMXTSE:LHV1T
Lhv Group As — Q4 2023 Earnings Presentation
20 slides from Lhv Group As's earnings presentation, Feb 6, 2024
Slide 1: LHV Group Q4 results
LHV Group Q4 results 6 February 2024
Slide 2: All subsidiaries of LHV Group ended the year profitably
All subsidiaries of LHV Group ended the year profitably +186 EURm +335 EURm +2.7 mln DEPOSITS NR. OF UK LOANS excl. banking services PAYMENTS +68 EURm +10,100 FUNDS BANK CUSTOMERS 2
Slide 3: Strong end of the year
Strong end of the year • • • • • • • 3
Slide 4: Both profitability and business volumes annual targets have been met
Both profitability and business volumes annual targets have been met • • • • • 4
Slide 5: Strong deposit collection in the last quarter
Strong deposit collection in the last quarter Deposits • • Loans (net) • • 5
Slide 6: The quality of the loan portfolio remains good
The quality of the loan portfolio remains good • • • • 6
Slide 7: All main indicators surpassed the financial plan
All main indicators surpassed the financial plan • • • 7
Slide 8: Deposits and loans in a strong growth trend
Deposits and loans in a strong growth trend • • • • • 8
Slide 9: Growth faster than planned in both interest and fee income
Growth faster than planned in both interest and fee income • • • • • 9
Slide 10: Strong quarter in stock markets, the large decline of 2022 was offset by 2023
Strong quarter in stock markets, the large decline of 2022 was offset by 2023 Assets under management and number of customers • • • Pillar II comparable pension funds NAV Index funds and pension fund Roheline change YTD NAV change YTD • 10
Slide 11: Quarterly net profit 0.5 EURm
Quarterly net profit 0.5 EURm • • • • 11
Slide 12: Net profit plan fulfillment was affected by lower financial income
Net profit plan fulfillment was affected by lower financial income • uuendada • • • 12
Slide 13: A quarter with stable growth and profitability
A quarter with stable growth and profitability • • • • 13
Slide 14: A month with few incurred losses and a positive result
A month with few incurred losses and a positive result • • • • 14
Slide 15: 12 months
12 months ↑11% ↑89% +353 EURm +23.3 mln ↑10% LOANS ↑27% NR OF UK ↑14% PAYMENTS +39,500 +989 EURm +187 EURm BANK CUSTOMERS DEPOSITS excl. banking services +63 200 FUNDS 140.9 EURm 34.0% NET PROFIT PRE-TAX ROE 15
Slide 16: Risks and capitalisation
Risks and capitalisation
Slide 17: Portfolio quality remains strong
Portfolio quality remains strong Corporate loans by ratings Corporate loans overdue porfolio • • • LHV Finance loans overdue porfolio Retail banking loans overdue portfolio 17
Slide 18: LHV's capitalisation and liquidity are strong
LHV’s capitalisation and liquidity are strong LCR Loan to deposit ratio • • T1 capital adequacy Total capital adequacy • 18
Slide 19: Share information
Share information LHV share price and turnover • • • Dynamics of LHV stock price and comparison indexes 19
Slide 20: Madis Toomsalu, Meelis Paakspuu contact details
Madis Toomsalu madis.toomsalu@lhv.ee Meelis Paakspuu meelis.paakspuu@lhv.ee AS LHV GROUP TARTU MNT 2, TALLINN 6 800 400 GROUP@LHV.EE LHV.EE