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LHV Group (LHV1T) investor relations material
LHV Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Q2 2025 net profit was €30.8m, up €1.6m from Q1 but down €7.8m year-over-year; EPS at €0.09, unchanged sequentially, down from €0.12 in Q2 2024.
Loan portfolio reached €5bn, with UK portfolio surpassing €500m; strong business volume growth and efficiency improvements.
Customer numbers and deposits increased significantly quarter-over-quarter.
New LHV Premium banking service launched in Estonia; pension fund restructuring and rebranding planned for autumn.
Moody's upgraded covered bond rating to Aaa; several successful bond issuances completed.
Financial highlights
Net interest income for Q2 2025 was €57.6m, down 7% from Q1 and 18% year-over-year; net fee and commission income rose to €15.6m.
Total net income was €73.9m, a 7% decrease from Q1 and 13% lower year-over-year; operating expenses at €41.9m.
Loan portfolio grew by €269m (6% QoQ, 28% YoY) and deposits by €760m (12% QoQ, 27% YoY) compared to Q1 2025.
Cost/income ratio increased to 54.8% from 47.3% in Q1 and 42.1% in Q2 2024.
Return on equity was 17.4%, up from 17.0% in Q1 but down from 25.8% in Q2 2024.
Outlook and guidance
Financial plan remains on track, with net profit exceeding plan by €2.3m for the quarter.
Loan, payment, and deposit volumes ahead of plan; fund volumes slightly below expectations.
Focus remains on deposit growth, customer activation, and expanding retail banking services.
The Group aims to increase active clients to reduce reliance on expensive foreign investment sources.
Why did LHV Group share price drop?
Explain LHV's strategy for local deposits.
Assess impact of tariffs on LHV's outlook.
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Next LHV Group earnings date
Q3 202521 Oct, 2025
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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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