Lhv Group As · OMXTSE:LHV1T

Lhv Group As — Q4 2020 Earnings Presentation

16 slides from Lhv Group As's earnings presentation, Feb 9, 2021

1. Slide 1: LHV Group Q4 2020 results

   LHV Group Q4 2020 results 9 February 2021

2. Slide 2: Busy quarter, the effects of the crisis were modest

   Busy quarter, the effects of the crisis were modest For customers Pension funds • • • • • Records in business volumes Other • • • • • • • • • 2

3. Slide 3: Quarter with strong results and growth

   Quarter with strong results and growth • • • • • • 3

4. Slide 4: Net profit ahead of financial plan by +7.2 EURm

   Net profit ahead of financial plan by +7.2 EURm • • • • • 4

5. Slide 5: Deposits volume above 4 EURb and loans volume above 2 EURb

   Deposits volume above 4 EURb and loans volume above 2 EURb Deposits • • • Loans (net) • 5

6. Slide 6: Record levels in business volumes, net profit and efficiency indicators

   Record levels in business volumes, net profit and efficiency indicators • • • 6

7. Slide 7: Net profit ahead of financial plan by +2.2 EURm

   Net profit ahead of financial plan by +2.2 EURm • • • • 7

8. Slide 8: 2020 best performing pension funds managed by LHV

   2020 best performing pension funds managed by LHV Assets under management and customers • • Pillar II comparable pension funds NAV Passive fonds and pension fund • change (YTD) Roheline NAV change YTD • 8

9. Slide 9: Q4 Net profit 7.1 EURm, client base keeps growing

   Q4 Net profit 7.1 EURm, client base keeps growing • • • • 9

10. Slide 10: Net profit, number of customers and volume of funds ahead of the financial plan

    Net profit, number of customers and volume of funds ahead of the financial plan • • • • 10

11. Slide 11: 39.8 EURm Growth in business volumes

    12 months 39.8 EURm 20.5% Growth in business 56,800 volumes 11

12. Slide 12: Annexes

    Annexes

13. Slide 13: Strong liquidity and capitalization

    Strong liquidity and capitalization LCR Loan-deposit ratio • • T1 capital adequacy Total capital adequacy • 13

14. Slide 14: The debt ratio remains low

    The debt ratio remains low Corporate loans by ratings Corporate loans overdue porfolio • • LHV Finance loans overdue porfolio Retail banking loans overdue portfolio • 14

15. Slide 15: Stock information

    Stock information LHV stock price and turnover • • • Dynamics of LHV stock price and comparison indexes • • 15

16. Slide 16: Madis Toomsalu madis.toomsalu@lhv.ee Meelis Paakspuu

    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

LHV Group — Q4 2020 Earnings Presentation on 6ix