Core Insights - LHV Group reported higher profitability and growth in business volumes for January 2026, with a consolidated net profit of EUR 7.2 million, exceeding financial forecasts by EUR 0.4 million [2][3] Group Performance - The consolidated loan portfolio increased by EUR 51 million to EUR 5.52 billion, while total deposits decreased by EUR 214 million to EUR 7.92 billion [1] - The volume of funds managed by LHV rose by EUR 13 million to EUR 1.72 billion, with 8.7 million payments processed related to financial intermediaries [1] Subsidiary Performance LHV Pank - LHV Pank's customer base grew by 3,200 to 495,000, with a loan portfolio reaching EUR 4.71 billion, an increase of EUR 24 million [4] - Deposits decreased by EUR 259 million to EUR 6.71 billion, with net profit exceeding the financial plan by EUR 0.3 million [4] LHV Bank - LHV Bank in the UK saw its loan portfolio increase by EUR 26 million to EUR 809 million, with deposits also rising by EUR 26 million to EUR 1.31 billion [5] - The customer base increased by 600, and net profit exceeded the financial plan by EUR 0.2 million [5] LHV Varahaldus - LHV Varahaldus reported strong performance with significant increases in fund values, including a 4.7% rise in the Julge fund and a 3.0% rise in the Ettevõtlik fund [6] - Net profit for January exceeded the financial plan by EUR 0.2 million [6] LHV Kindlustus - LHV Kindlustus concluded new insurance contracts totaling EUR 7.1 million, with approximately 306,000 contracts in force [7] - The net loss ratio increased to 86.5% due to adverse weather conditions, and overall results were EUR 0.6 million below the financial plan [7] Company Overview - LHV Group is the largest domestic financial group in Estonia, with key subsidiaries including LHV Pank, LHV Varahaldus, LHV Kindlustus, and LHV Bank Limited [8] - The group employs around 1,200 people and serves 495,000 customers through LHV Pank, with 105,000 active customers in pension funds and 233,000 customers in insurance [8]

Core Insights - LHV Group reported increased profits and business volumes in November, with a consolidated net profit of EUR 11.9 million and a return on equity of 19.3% [2][7] - The loan portfolio grew by EUR 94 million to EUR 5.38 billion, while deposits rose by EUR 155 million to EUR 7.66 billion [1][7] - The number of customers at LHV Pank increased by 2,875, reaching a total of 489,000 [3][8] Financial Performance - Consolidated net profit for November was EUR 11.9 million, with contributions from subsidiaries: AS LHV Pank (EUR 11.4 million), LHV Bank Ltd (EUR 0.9 million), AS LHV Varahaldus (EUR 0.2 million), and AS LHV Kindlustus (EUR 0.04 million) [2] - The loan portfolio of LHV Pank reached EUR 4.65 billion, with a monthly increase of EUR 40 million [3] - LHV Bank in the UK saw loan volumes increase by EUR 55 million, bringing the total loan portfolio to EUR 728 million [4] Customer and Deposit Growth - The total number of customers for LHV Pank reached 489,000, with a deposit volume of EUR 6.64 billion [3][8] - LHV Bank's total deposits increased by EUR 119 million to EUR 1.20 billion [4] Fund Performance - LHV Varahaldus funds showed modest performance with increases of 0.6% and 0.3% for the largest funds, while the pension fund Indeks rose by 0.9% [5] Insurance Operations - LHV Kindlustus signed new insurance contracts worth EUR 3.3 million, with approximately 298,000 contracts in force by the end of November [6] - The net expense ratio for LHV Kindlustus was 30.7%, influenced by a sales campaign that boosted growth in motor insurance [6] Year-to-Date Performance - LHV Group's net income for the year is EUR 8.7 million below the financial plan, while the loan portfolio and deposits exceed the plan by EUR 114 million and EUR 168 million, respectively [7]