Group 1 - The European Central Bank (ECB) has imposed an administrative fine of EUR 405 thousand on AS LHV Group due to an error in consolidated regulatory reporting for the period from 30 June 2022 to 31 March 2024 [1] - The error was related to the presentation of equity for the UK subsidiary, LHV Bank Limited, and was caused by a methodological interpretation difference and a technical consolidation error [1] - The fine's potential impact was recognized in the second quarter expenses, with an average effect on the capital ratio limited to 35 basis points, and a maximum of 66 basis points [1] Group 2 - LHV Group is the largest domestic financial group and capital provider in Estonia, with key subsidiaries including LHV Pank, LHV Varahaldus, LHV Kindlustus, and LHV Bank Limited [2] - As of the end of September, LHV Pank serves 483,000 customers, LHV's pension funds have 107,000 active customers, and LHV Kindlustus protects 227,000 customers [2] - LHV Bank Limited holds a banking license in the UK and provides banking services to international financial technology companies and loans to small and medium-sized enterprises [2]