Lhv Group As · OMXTSE:LHV1T
Lhv Group As — Q4 2022 Earnings Presentation
18 slides from Lhv Group As's earnings presentation, Feb 7, 2023
Slide 1: LHV Group Q4 results
LHV Group Q4 results 7 February 2023
Slide 2: High-quality loan portfolio together with volatile deposits
High-quality loan portfolio together with volatile deposits +114 EURm -268 EURm +1.5 mln NR OF UK LOANS DEPOSITS PAYMENTS +66 EURm +13,500 FUNDS BANK CUSTOMERS 2
Slide 3: Interest income growth and good loan portfolio quality
Interest income growth and good loan portfolio quality • • • • • 3
Slide 4: Net profit target achieved
Net profit target achieved • uuendada • • • 4
Slide 5: Activity of customers is on good level
Activity of customers is on good level Deposits • • • Loans (net) • • 5
Slide 6: Strongest quarter in LHV Pank’s history
Strongest quarter in LHV Pank’s history • • • 6
Slide 7: Financial plan fulfilled with surplus
Financial plan fulfilled with surplus • uuendada • • 7
Slide 8: Actively managed funds with the best return on the market
Actively managed funds with the best return on the market Assets under management and customers • • • Pillar II comparable pension funds NAV Index funds and pension fund Roheline change YTD NAV change YTD • 8
Slide 9: Net assets, number of customers and market share slightly increasing
Net assets, number of customers and market share slightly increasing • • • • • 9
Slide 10: Profitability is behind the plan mainly due to lower returns than expected
Profitability is behind the plan mainly due to lower returns than expected • • • • • 10
Slide 11: Health insurance added to product portfolio
Health insurance added to product portfolio • • • • 11
Slide 12: Net earned premiums are growing but higher provisions reduced net revenues
Net earned premiums are growing but higher provisions reduced net revenues • • • • • 12
Slide 13: 12 months results summary
12 months ↑20% ↓5% +531 EURm -1.28 mln LOANS NR OF UK ↑18% ↓16% PAYMENTS ↓1% +57,000 -907 EURm -17 EURm BANK CUSTOMERS DEPOSITS +63 200 FUNDS 61.4 EURm 20.4% NET PROFIT PRE-TAX ROE 13
Slide 14: Annexes
Annexes
Slide 15: Capitalisation levels increased in year-end
Capitalisation levels increased in year-end 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: Contact
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