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LHV Group (LHV1T) investor relations material
LHV Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Q3 2025 net profit was EUR 26.3 million, down from Q2 and Q3 2024, with profit attributable to shareholders at EUR 25.7 million.
Business volumes reached record highs, with strong growth in loans, deposits, and customer numbers.
LHV was recognized as the best bank in Estonia and as the most attractive employer.
Moody's upgraded the senior unsecured debt rating to Baa2, and 80 EURm in Tier 2 subordinated bonds were issued.
Management noted Q3 as the weakest quarter of the year, citing declining interest rates impacting loan and liquidity portfolios faster than deposits.
Financial highlights
Q3 net profit was EUR 26.3 million, down from EUR 30.8 million in Q2, mainly due to higher deposit rates and interest expenses.
Net interest income for Q3 was EUR 55.5 million, down 4% from Q2 and 18% from Q3 2024.
Net fee and commission income was EUR 15.3 million, down 2% sequentially but up 5% year-over-year.
Cost/income ratio was 53.3%, up from 43.9% a year ago but improved sequentially.
9-month net profit totaled EUR 86.2 million, slightly below the financial plan by EUR 2.7 million.
Outlook and guidance
Loan, payment, and deposit volumes are ahead of plan, while fund volumes are slightly below.
Management expects improved profitability as base interest rates in loan portfolios align with market rates.
Deposit portfolio growth is expected to continue supporting loan expansion.
Focus remains on deposit growth, customer activation, and maintaining strong loan portfolio quality.
Macroeconomic outlook has improved, but additional impairments were made for specific clients.
How will NIM recover after Q3's low?
How to boost local deposit growth?
Loan quality risks, especially real estate?
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Q4 20253 Mar, 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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