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LHV Group
LHV Group (LHV1T) investor relations material
LHV Group Investor update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor update summary12 Feb, 2026
Macroeconomic and Market Outlook
Estonia's GDP is expected to grow 0.5% in 2025 and 2.2% in 2026, with inflation slowing to 2.5% from 2027 and wage growth stabilizing at 4.5%.
The UK is forecasted to grow at 1.5% GDP, with inflation reaching 2% by early 2027 and unemployment around 5%.
Estonia's state budget deficit remains high at 4.5%, mainly due to infrastructure and defense spending.
Recovery in both markets is supported by easing inflation, improved external demand, and increased consumption.
Purchasing power in Estonia is expected to recover to 2020 levels by late 2026 or early 2027.
Strategic Priorities and Growth Plans
Focus on strengthening core businesses in Estonia and the UK, with scalable retail offerings, digital channels, and enhanced customer experience.
UK loan portfolio is set to grow faster, increasing its group share from 14% to 25-30% by 2030.
Plans to double group profit from EUR 117 million to EUR 290 million by 2030, with loans expected to grow from EUR 5.5 billion to EUR 10.1 billion.
Cost-income ratio targeted to fall below 40% and return on equity to exceed 20% from 2027.
Selective expansion into other European markets is considered, with a focus on incremental steps and disciplined growth.
Operational and Financial Performance (2025–2026)
Total income is projected to grow by 9.4% to EUR 333.6m in 2026, with net profit stable at EUR 117.9m.
Loan portfolio is forecast to increase by 11% to EUR 6.1bn, and deposits by 5% to EUR 8.6bn in 2026.
Asset management and insurance subsidiaries delivered strong performance, with insurance premiums up 13% and AUM up 12%.
Operational expenses are projected to grow 6% annually, driven by UK expansion, cloud migration, and increased IT staffing.
Conservative loan loss provisions of EUR 15 million are forecasted for 2026.
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Next LHV Group earnings date
Q1 202621 Apr, 2026
LHV Group
Next LHV Group earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
AS LHV Group is an Estonia-based financial services company operating primarily in the banking sector. The group provides a diverse range of services across several key areas, including retail and corporate banking, investment management, and pension fund management. LHV's banking services encompass products such as deposits, loans, leasing, and payment services. In addition, the company offers investment services, including fund management and securities brokerage, targeting private individuals, small and medium-sized enterprises (SMEs), and institutional clients. The group's pension services involve managing various pension funds, catering to Estonia's mandatory and voluntary pension markets. The company is headquartered in Tallinn, Estonia, and its shares are listed on the Nasdaq Tallinn.
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