AS LHV Group’s business volumes and economic results
| millions of euros | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
|---|
| Deposit volume | 279 | 352 | 457 | 617 | 777 | 1537 |
| Loan volume | 106 | 207 | 316 | 410 | 538 | 732 |
| Fund volume | 252 | 374 | 504 | 570 | 974 | 1103 |
| Total assets | 317 | 415 | 556 | 757 | 935 | 1773 |
| Net interest income | 6.1 | 11.8 | 20.3 | 23.2 | 30.0 | 35.5 |
| Net income from service fees | 6.4 | 9.4 | 12.8 | 14.7 | 19.2 | 22.2 |
| Net financial income | 0.8 | 2.7 | 0.5 | 0.4 | 1.3 | 0.8 |
| Net income | 13.3 | 24.0 | 33.6 | 38.3 | 50.5 | 58.5 |
| Expenses | 14.0 | 16.7 | 21.7 | 24.1 | 28.9 | 31.9 |
| Operating profit | -0.7 | 7.3 | 11.9 | 14.3 | 21.6 | 26.6 |
| Loan provisions | 1.1 | 2.9 | 2.6 | 1.4 | 1.5 | 3.2 |
| Income tax expenses | 0.0 | 0.1 | -0.4 | 0.3 | 0.3 | 1.2 |
| Profit from Discontinued operations | 0.0 | 0.0 | 0.0 | 2.2 | 0.0 | 0.0 |
| Profit | -1.8 | 4.3 | 9.7 | 14.8 | 19.9 | 22.2 |
| Share of profit of the parent company | -1.8 | 4.2 | 9.2 | 13.7 | 17.8 | 19.6 |
Ratios
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
|---|
| Return on Equity (ROE) | -12,7% | 16,5% | 21,4% | 21,8% | 20,7% | 17,6% | 18,4% |
| Pre-tax (ROE) | 12,7% | 16,7% | 20,3% | 22,9% | 20,8% | 18,6% | 20.9% |
| Return on Assets (ROA) | -0,6% | 1,2% | 2,0% | 2,3% | 2,4% | 1,6% | 1,6% |
| Net Interest Margin (NIM) | 2,2% | 3,3% | 4,3% | 3,6% | 3,6% | 2,7% | 2,3% |
| Spread | 2,2% | 3,2% | 4,2% | 3,5% | 3,5% | 2,6% | 2,3% |
| Cost/Income ratio (C/I) | 95,0% | 69,7% | 64,7% | 58,7% | 57,2% | 54,6% | 48,3% |
| Equity Multiplier (EM) | 21,9 | 14,3 | 11,3 | 10,4 | 9,8 | 12,2 | 12,6 |
| Tier 1 Capital Adequacy | 16,0% | 15,3% | 17,6% | 16,0% | 15,1% | 14,0% | 13,65% |
| Capital Adequacy | 23,0% | 23,0% | 22,8% | 23,4% | 20,7% | 18,3% | 19,41% |
| MREL | n.a. | n.a. | 15,7% | 14,5% | 12,3% | 7,8% | 11,43% |
| Risk Cost Ratio | 1,0% | 1,8% | 1,0% | 0,4% | 0,3% | 0,5% | 0,6% |
| Liquidity Coverage Ratio (LCR) | n.a. | n.a. | 190% | 272% | 222% | 121% | 149% |
