July was characterised by strong growth in business volumes. The LHV Group’s consolidated loan portfolio increased by EUR 33 million month-on-month, reaching EUR 5.03 billion. Deposit volume increased by EUR 260 million, reaching EUR 7.62 billion. The volume of the funds managed by LHV increased by EUR 33 million, reaching EUR 1.60 billion. Payments related to financial intermediaries amounted to 6.8 million in July.
Related Questions
How will the month-on-month loan portfolio increase affect LHV's earnings per share and net interest margin?
What is the composition of the new EUR 33 million loan growth – are there higher‑risk segments or higher-yield products involved?
Is the €260 million deposit growth driven by new retail customers, corporate deposits, or higher‑interest rates attracting more funds?
How does the deposit growth compare to the sector average and what does it imply for LHV's funding cost?
What is the net impact on LHV's net interest income and net interest spread given the loan and deposit changes?
What does the increase in assets under management (AUM) to €1.60 billion indicate about fee income and future revenue streams?
Are the €6.8 million payments to financial intermediaries a one‑off or part of a new partnership strategy?
How does the July performance compare to the same month last year and to LHV's internal forecasts?
What guidance or outlook is management providing for the next quarters based on this growth?
What is the market's reaction to a sentiment score of 60 – is it reflecting optimism, and how might that affect the stock price?
How does LHV's growth in loan, deposit, and AUM metrics compare with its main competitors in the Baltic region?
Are there any regulatory or macro‑economic factors (e.g., ECB rates, Baltic economic data) that could influence the sustainability of this growth?
What is the expected impact on dividend policy or share buy‑back plans given the improved financial metrics?
Will the increased loan and deposit volumes affect LHV's capital adequacy ratios or liquidity ratios?
Is there any indication that the loan growth is concentrated in particular sectors that might pose credit risk?