[{"title":"Reports","path":"reports","content":"Reports. Monthly and interim reports. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4th quarter. November results. October results. Interim report 3rd quarter. August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4th quarter. November results. October results. Interim report 3rd quarter. August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4th quarter. November results. October results. Interim report 3rd quarter. August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4th quarter. November results. October results. Interim report 3rd quarter. August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4rd quarter. November results. October results. Interim report 3rd quarter. August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4th quarter. November results. October results. Interim report 3rd quarter. August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4th quarter. November results. October results. Interim report 3rd quarter. Interim report 2nd quarter(reviewed). August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4th quarter. November results. October results. Interim report 3rd quarter. August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4th quarter. November results. October results. Interim report 3rd quarter. August results. July results. Interim report 2nd quarter. May results. April results. Interim report 1st quarter. February results. January results. Interim report 4rd quarter. Interim report 3rd quarter. Interim report 2nd quarter. Interim report 1st quarter. Interim report 4th quarter. Interim report 3rd quarter. Interim report 2nd quarter. Interim report 1st quarter. Interim report 3rd quarter. Interim report 2nd quarter. Annual reports. Consolidated Annual Report. Consolidated Annual Report (in Estonian) (ESEF format). Consolidated Annual Report. Consolidated Annual Report (in Estonian) (ESEF format). Consolidated Annual Report. Consolidated Annual Report (ESEF format). Consolidated Annual Report. Consolidated Annual Report (ESEF format). Consolidated Annual Report. Consolidated Annual Report (ESEF format). Consolidated Annual Report. Consolidated Annual Report (ESEF format). Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Consolidated Annual Report. Risk reports. AS LHV Group 2025 Pillar 3 report (XLSX). AS LHV Group 2025 Pillar 3 report (PDF). AS LHV Group 2025 Pillar 3 report (XLSX). AS LHV Group 2025 Pillar 3 report (XLSX). AS LHV Group 2025 Pillar 3 report (PDF). AS LHV Group 2025 Pillar 3 report (XLSX). AS LHV Group 2024 Pillar 3 report (XLSX). AS LHV Group 2024 Pillar 3 report (XLSX). AS LHV Group 2024 Pillar 3 report (XLSX). AS LHV Group 2024 Pillar 3 report (XLSX). AS LHV Group 2023 Pillar 3 report (XLSX). AS LHV Group 2023 Pillar 3 report (XLSX). AS LHV Group 2023 Pillar 3 report (XLSX). AS LHV Group 2023 Pillar 3 report (XLSX). AS LHV Group 2022 Pillar 3 report (XLSX). AS LHV Group 2022 Pillar 3 report (XLSX). Covid-19 Report Q3 2022 (XLSX). AS LHV Group 2022 Pillar 3 report (XLSX). Covid-19 Report Q2 2022 (XLSX). AS LHV Group 2021 Pillar 3 report (XLSX). Covid-19 Report Q4 2021 (XLSX). AS LHV Group 2019 Pillar 3 report (XLSX). AS LHV Group 2018 Pillar 3 report (XLSX). AS LHV Group 2017 Pillar 3 report (PDF). AS LHV Group 2017 Pillar 3 report (XLSX). AS LHV Group 2016 Pillar 3 report (PDF). AS LHV Group 2016 Pillar 3 report (XLSX). AS LHV Group 2015 Pillar 3 report. Factsheet. Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Factbook (.pdf). Factbook (.xlsx). Subsidiaries. AS LHV Pank. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Annual Report (in Estonian) (ESEF format). Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Annual Report (in Estonian) (ESEF format). Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Annual Report (ESEF format). Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Annual Report (ESEF format). Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Annual Report (ESEF format). Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Interim report for the 4th quarter (in Estonian). Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Interim report for the 4th quarter (in Estonian). Interim report for the 3rd quarter (in Estonian). Interim report for the 2nd quarter (in Estonian). Interim report for the 1st quarter (in Estonian). Annual Report. Capital adequacy and risk management information (in Estonian). Annual Report. Capital adequacy and risk management information (in Estonian). Annual Report. Interim report for the 2nd quarter (in Estonian). Interim report for the 1st quarter (in Estonian). Capital adequacy and risk management information. Annual Report 2013. Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Capital adequacy and risk management information. Annual Report. Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Capital adequacy and risk management information. Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Capital adequacy and risk management information. Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the 2nd quarter. Interim report for the 1st quarter. Annual Report. Interim report for the 4th quarter. Interim report for the 3rd quarter. Interim report for the first half-year. AS Lõhmus, Haavel & Viisemann Annual Report. AS Lõhmus, Haavel & Viisemann Annual Report. AS Lõhmus, Haavel & Viisemann Annual Report. AS Lõhmus, Haavel & Viisemann Annual Report. AS LHV Varahaldus. Annual Report (in Estonian) (PDF). Annual Report (in Estonian) (PDF). Annual Report (in Estonian) (PDF). Annual Report (in Estonian) (PDF). Annual Report (in Estonian) (PDF). Audiitori aruanne (in Estonian) (ASICE). Annual Report (in Estonian). Annual Report. Annual Report. Annual Report. Annual Report. Annual Report. Annual Report. Annual Report. Annual Report. Annual Report. Interim report for the first half-year. Annual Report. Interim report for the first half-year. Annual Report. Interim report for the first half-year. Annual Report. Annual Report. Annual Report. AS LHV Kindlustus. Interim report for the 1st quarter (in Estonian). Annual Report (in Estonian). Solvency and Financial Condition Report (in Estonian). Interim report for the 4th quarter (in Estonian). Interim report for the 3rd quarter (in Estonian). Interim report for the 2nd quarter (in Estonian). Interim report for the 1st quarter (in Estonian). Annual Report (in Estonian). Solvency and Financial Condition Report (in Estonian). Interim report for the 4th quarter (in Estonian). Interim report for the 3rd quarter (in Estonian). Interim report for the 2nd quarter (in Estonian). Interim report for the 1st quarter (in Estonian). Annual Report (in Estonian). Solvency and Financial Condition Report (in Estonian). Interim report for the 4th quarter (in Estonian). Interim report for the 3rd quarter (in Estonian). Interim report for the 2nd quarter (in Estonian). Interim report for the 1st quarter (in Estonian). Annual Report (in Estonian). Solvency and Financial Condition Report (in Estonian). Interim report for the 4th quarter (in Estonian). Interim report for the 3rd quarter (in Estonian). Interim report for the 2nd quarter (in Estonian). Interim report for the 1st quarter (in Estonian). Annual Report (in Estonian). Solvency and Financial Condition Report (in Estonian). Interim report for the 4th quarter (in Estonian). Interim report for the 3rd quarter (in Estonian). Interim report for the 2nd quarter (in Estonian). Interim report for the 1st quarter (in Estonian). Annual Report (in Estonian). LHV Bank Limited. Annual Report (PDF). Annual Report (PDF). Investor meetings and Presentations. Investor Presentation 21.07.2026. Investor Presentation 21.04.2026. Investor Presentation 12.02.2026. Presentation to Investors Q2. Presentation to Investors Q1. Financial Plan 2026 – 2030. Investor Presentation 12.02.2026. Investor Presentation 10.02.2026. Presentation to Investors Q4. Financial Plan 2026 – 2030. Investor Presentation 21.10.2025. Presentation to Investors Q3. Investor Presentation 22.07.2025. Presentation to Investors Q2. Investor Presentation 22.04.2025. Investor Presentation 13.02.2025. Presentation to Investors Q1. Financial Plan 2025 – 2029. Investor Presentation 11.02.2025. Presentation to Investors Q4. Investor Presentation 22.10.2024. Presentation to Investors Q3. Investor Presentation 23.07.2024. Updated Financial Plan 2024. Presentation to Investors Q2. Investor Presentation 13.02.2024. Investor Presentation 23.04.2024. Presentation to Investors Q1. Financial Plan 2024 – 2028. Investor Presentation 06.02.2024. Presentation to Investors Q4. Investor Presentation 24.10.2023. Presentation to Investors Q3. Presentation to Bond Investors. Updated Financial Plan 2023. Investor Presentation 18.07.2023. Presentation to Investors Q2. Investor Presentation 18.04.2023. Investor Presentation 14.02.2023. Presentation to Investors Q1. Financial Plan 2023 – 2027. Investor Presentation 07.02.2023. Presentation to Bond Investors. Presentation to Investors Q4. Investor Presentation 18.10.2022. Presentation to Investors Q3. Investor Presentation 19.07.2022. Presentation to Investors Q2. Investor Presentation 19.04.2022. Financial Plan 15.02.2022. Presentation to Investors Q1. Financial Plan 2022 – 2026. Investor Presentation 08.02.2022. Presentation to Investors. Investor Presentation 19.10.2021. Presentation to Investors. Presentation to Bond Investors. Updated Financial Plan 2021. Investor Presentation 21.07.2021. Presentation to Investors. Investor Presentation 20.04.2021. Presentation to Investors. Financial Plan 2021 – 2025. Investor Presentation 09.02.2021. Presentation to Investors. Updated Financial Plan 2020. Investor Presentation 22.10.2020. Presentation to Investors. Investor Presentation 14.07.2020. Presentation to Investors. Updated Financial Plan 2020. Investor Presentation 21.04.2020. Presentation to Investors. Financial Plan 2020 – 2024. Investor Presentation 04.02.2020. Presentation to Investors. Investor Presentation 15.10.2019. Presentation to Investors. Renewed Financial Plan 2019 – 2023. Investor Presentation 16.07.2019. Presentation to Investors. Presentation at Baltic Challenge Roadshow. Investor Presentation 16.04.2019. Presentation to Investors. Financial Plan 2019 – 2023. Investor Presentation 29.01.2019. Presentation to Investors. Presentation to LHV subordinated bond Investors. Investor Presentation 23.10.2018. Presentation to Investors. Investor Presentation 24.07.2018. Presentation to Investors. Updated Financial Plan 2018. Investor Presentation 24.04.2018. Presentation to Investors. Financial Plan 2018 – 2022. Investor Presentation 06.02.2018. Presentation to Investors. Investor Presentation 24.10.2017. Presentation to Investors. Investor Presentation 18.07.2017. Presentation to Investors. Investor Presentation 18.04.2017. Presentation to Investors. Financial Plan 2017. Investor Presentation 07.02.2017. Presentation to Investors. Presentation to Investors October. Presentation to Investors July. Presentation to Investors May. Presentation to Investors October. Presentation to Investors May. General meetings. LHV Group general meeting 25.03.2026. LHV Group general meeting 26.03.2025. LHV Group general meeting 20.03.2024. LHV Group general meeting 22.03.2023. LHV Group general meeting 30.03.2022. LHV Group general meeting 23.08.2021. "},{"title":"Financial results","path":"financial-results","content":"Financial results. AS LHV Group’s business volumes and economic results*. Ratios. "},{"title":"Credit rating","path":"credit-rating","content":"Credit rating. On 01 September 2025, the rating agency Moody's Investors Service updated senior unsecured debt credit rating of LHV Group at Baa2 with a positive outlook.\\n. LHV Pank’s foreign and local currency long-term bank deposit rating is A3. The long-term deposits of LHV Pank carry a positive outlook. The credit rating has been assigned by Moody’s Investors Service on 01 September 2025.\\n\\n**Ratings assigned to LHV Pank by Moody’s Investors Service:**\\n- Long- and short-term counterparty risk assessment of A3(cr)/Prime-2(cr)\\n- Long- and short-term counterparty risk rating of A3/Prime-2\\n- Foreign- and local currency long-term bank deposit rating A3\\n- Foreign- and local currency short-term bank deposit rating Prime-2\\n- Baseline credit assessment (BCA) baa2\\n- Adjusted baseline credit assessment baa2\\n- The rating carries a positive outlook.\\n\\n**Ratings assigned to LHV Pank’s mortgage covered bonds by Moody’s Investors Service:**\\n- Aaa longterm rating to the mortgage covered bonds (assigned on 11 April 2025).\\n. "},{"title":"Financial forecasts","path":"financial-forecasts","content":"Financial forecasts. LHV Group Financial Plan for 2026. Long-term financial forecast 2026-2030. AS LHV Group publishes the financial plan for the current year once a year at the beginning of the year.\\n. AS LHV Group updates and publishes the five-year financial forecast once a year at the beginning of the year.\\n. "},{"title":"Emissioon","path":"offering","content":"Emissioon. Log in and subscribe. **LHV subordinated bond issue**\\n. **Prospectus, terms and conditions**\\n. Issue size. Subordination of bonds and significant risks. Nominal value EUR 1,000. Term 10 years. Interest rate 6% per annum. Required securities account. Listed on the stock exchange. Transparent reporting. Who can participate in the issuing?. Can I use the investment account system for bonds?. Can I use a margin loan to subscribe for bonds?. Log in and subscribe. This subordinated bond issue of LHV Group will have a volume of up to 20 million euros.\\n. The subordination of LHV Group subordinated bonds means that in the event of the liquidation or bankruptcy of LHV Group, any claims resulting from those bonds will only be settled after all unsubordinated claims (for instance, deposits received, loans taken or obligations towards staff and suppliers) have been settled in full. In the order that claims are settled, only LHV Group shareholders rank behind holders of subordinated bonds. Among other things, in case of subordinated bonds, the bail-in risk must be taken into account, which may materialise if the crisis resolution measures are applied to LHV in the event of insolvency and other difficulties.\\n. The nominal value of an LHV Group subordinated bond is 1,000 euros. Whereas bond investments are often targeted solely towards large or institutional investors, our offering is primarily intended for retail investors in Estonia, but also in Latvia and Lithuania.\\n. LHV Group subordinated bonds are a long-term investment. The maturity date for the bonds to be issued is 15 November 2034. LHV has the right to redeem the bonds in whole or in part after 15 November 2029. Early redemption of bonds must be approved by the European Central Bank.\\n. Investors regularly earn interest on their bond investment. Annual interest of 6% is paid out in four instalments every quarter to the investor’s account.\\n. All private Estonian, Latvian, and Lithuanian investors and companies will be able to subscribe for bonds. Purchasing of bonds requires a Baltic securities account. Opening a Baltic securities account with LHV Pank is free of charge.\\n. LHV Group subordinated bonds will be listed under Baltic Bonds on the Nasdaq Tallinn Stock Exchange. Investors can freely trade the bonds, i.e., they are free to purchase and sell the bonds in a regulated form.\\n. LHV Group is a licensed and highly transparent financial institution. As a public company, we prepare and publish quarterly reports, in which we provide detailed overviews of LHV’s business activities and the risks involved therein. \\n\\nLHV Group is the only publicly traded company on the Baltic Stock Exchange that publishes long-term financial forecasts. We are the company with the best investor relations on the Nasdaq Tallinn Stock Exchange. \\n\\n\\n. In order to participate in the offering, the investor must have a Baltic securities account opened with an Estonian, Latvian, and Lithuanian account-managing financial institution that is a member of the Estonian securities settlement system.\\n. Yes, in the case of bonds, the investment account system can be used (only) by an Estonian resident investor, in which case the interest will be paid out in the gross amount. LHV should be informed about the investment account. At LHV Pank, this can be done under the menu item ‘Accounts and limits’ > ‘Active accounts’ > pencil icon. Please check the field ‘Investment account’. If it is already checked, we will take it into consideration automatically in the case of the next interest payment on LHV bonds. The income received on the financial assets of a non-resident is taxed in their country of residence.\\n. A margin loan cannot be used to subscribe for bonds.\\n. ## **Subscribe to LHV subordinated bonds,**
become part of the growth of a domestic financial group in both the local and international financial services market, and earn a stable rate of return.\\n. "},{"title":"Social Responsibility","path":"social-responsibility","content":"Social Responsibility. Report on ESG / Social Responsibility. Report on ESG of AS LHV Group in 2025. Report on ESG of AS LHV Group in 2024. Report on ESG of AS LHV Group in 2023. Report on ESG of AS LHV Group in 2022. Report on ESG of AS LHV Group in 2021. Principles for Responsible Banking report. Report on ESG of AS LHV Group in 2020. Report on Social responsibility of AS LHV Group in 2019. Report on Social responsibility of AS LHV Group in 2018. As an increasingly significant part of the Estonian financial sector, LHV’s activities affect the surrounding environment, both directly and indirectly. LHV is a responsible company, acknowledging its responsibility for a cleaner environment and a more sustainable economy. LHV acts and grows in a sustainable manner, contributing to the pursuit of solutions to both local and global problems.\\n\\nWe have made a long-term effort to ensure a responsible and transparent organisational governance, and have also taken a responsible approach to social matters. We are now focusing on environmental aspects. LHV’s management board has established an action plan for sustainable development and management of environmental impacts, taking steps towards reducing the carbon footprint. LHV has set its sights at a sustainable and inclusive economic growth.\\n\\nTaking into account the UN sustainable development goals, LHV Group has subscribed to the Principles for Responsible Banking, and is actively engaged in enhancing the sustainability of the company, its stakeholders and the financial sector in general.\\n. "},{"title":"Shareholders","path":"shareholders","content":"Shareholders. "},{"title":"Strategy","path":"strategy","content":"Strategy. Overview. Strategy. ## LHV Group is the **largest domestic financial group** and capital provider in Estonia {.text-center}\\n\\nLHV Group’s subsidiaries are LHV Pank, LHV Varahaldus, LHV Kindlustus, LHV Bank Limited and AS LHV Paytech (trademark EveryPay). LHV was established in 1999, relying on the long-term investment and business experience of its founders. LHV employs more than 1200 people. LHV’s banking services are used by more than 500,000 clients, pension funds managed by LHV have 105,000 active clients and LHV Kindlustus protects a total of 237,000 clients. Additionally, LHV Group’s subsidiary, LHV Bank Limited, holds a UK banking licence and operates in two business lines – offering Banking Services for global fintechs and SME Lending solutions for UK businesses.\\n. ## **Strategy** {.text-center}\\n\\nLHV’s mission is better access to financial services and capital.\\nLHV’s vision is for people and businesses to dare think big and embark on bold ventures.\\nLHV values: no bullshit, agile, never satisfied.\\n\\n### Long-term objectives of LHV\\nLHV’s long-term objective is to offer its partners strong relationships, by being: \\n- the top financial service provider when it comes to customer service;\\n- the most engaged and understanding financial service provider for international financial intermediaries;\\n- an attractive employer that offers LHV’s employees high satisfaction and the possibility to grow and realize their potential;\\n- transparent for investors, offering an annual ROE exceeding 20%;\\n- a company with the best management practices, positive social impacts and climate goals.\\n\\n### LHV is the perfect place for safeguarding and growing your savings\\nLHV focuses on active and independent customers with an enterprising frame of mind. For private customers, LHV mainly offers services related to the safeguarding and enhancement of savings. For business customers, LHV offers smart, flexible financing, along with the management of daily financial affairs.\\n\\nLHV’s products and services are simple, transparent and relevant. Modern-day electronic means of communication are used for customer communication. This allows to cut costs with the aim offering affordable prices for the everyday services of LHV.\\n\\nPartnership is central to growing the business of LHV. New initiatives can be implemented much faster and more successfully if the parties involved have the same interests and each other’s long-term support. LHV is a publicly traded company. LHV would like as many clients and partners as possible to be shareholders and investors in LHV and to participate in the building of a shared business.\\n. "},{"title":"General meetings","path":"general-meetings","content":"General meetings. Documents. Consolidated Annual Report 2025 (PDF). Consolidated Annual Report 2025 (in Estonian) (ESEF format). Supervisory Board Report 2025. Dividend Policy Amendment. Remuneration Principles. Kairi Pauskar CV. Christian Schröder CV. Power of Attorney Template (natural person). Power of Attorney Template (legal person). Procedure of Pre-Voting and Electronic Participation. Instructions for Watching Video Broadcast. Pre-Voting Ballot. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2024 (PDF). Consolidated Annual Report 2024 (in Estonian) (ESEF format). Supervisory Board Report 2024. AS LHV Group Share Option Program 2020–2024. AS LHV Group Share Option Program 2025–2029. Conditions of Performance Pay. LHV Group Articles of Association. Power of Attorney Template (natural person). Power of Attorney Template (legal person). Procedure of Pre-Voting and Electronic Participation. Instructions for Watching Video Broadcast. Pre-Voting Ballot. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2023 (PDF). Consolidated Annual Report 2023 (ESEF format). Supervisory Board Report 2023. Dividend Policy. Liisi Znatokov CV. Power of Attorney Template (natural person). Power of Attorney Template (legal person). Procedure of Pre-Voting and Electronic Participation. Instructions for Watching Video Broadcast. Information on the Processing of Personal Data of Shareholders. Pre-Voting Ballot. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2022 (PDF). Consolidated Annual Report 2022 (ESEF format). Supervisory Board Report 2022. Remuneration Principles. Power of Attorney Template (natural person). Power of Attorney Template (legal person). Procedure of Pre-Voting and Electronic Participation. Instructions for Watching Video Broadcast. Pre-Voting Ballot. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2021 (PDF). Consolidated Annual Report 2021 (ESEF format). Supervisory Board Report 2021. Remuneration Report 2021. Remuneration Principles. Articles of Association Amendment I. Articles of Association Amendment II. Power of Attorney Template (natural person). Power of Attorney Template (legal person). Procedure of Electronic Voting. Voting Ballot. Minutes. General Meeting minutes. Documents. Power of Attorney Template (natural person). Power of Attorney Template (legal person). Procedure of Electronic Voting. Voting Ballot. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2020 (PDF). Consolidated Annual Report 2020 (ESEF format). Supervisory Board Report 2020. Power of Attorney Template (natural person). Power of Attorney Template (legal person). Procedure of Electronic Voting. Voting Ballot. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2019. Supervisory Board Report 2019. AS LHV Group share option programme. Approval of the conditions of performance pay. LHV Group Articles of Association. Power of Attorney Templates. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2018. Interim report 2nd quarter of 2019. Power of Attorney Templates. Minutes. Special General Meeting minutes. Documents. Consolidated Annual Report 2018. Supervisory Board Report 2018. Power of Attorney Templates. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2017. Supervisory Board Report 2017. Power of Attorney Templates. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2016. Supervisory Board Report 2016. Dividend Policy. LHV Group Articles of Association. Approval of the conditions of performance pay. Power of Attorney Templates. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2015. Supervisory Board Report 2015. Dividend Policy. Power of Attorney Templates. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2014. Supervisory Board Report 2014. AS LHV Group share option programme. Power of Attorney Templates. Minutes. General Meeting minutes. Documents. Consolidated Annual Report 2013. Supervisory Board Report 2013. Articles of Association Draft. Power of Attorney Templates. Proposals. Shareholder's proposal for AGM (Rain Lõhmus 17.05.2014). Minutes. General Meeting minutes. ### Agenda\\n1\\\\.\\tAnnual Report 2025\\n2\\\\.\\tProfit Distribution for Financial Year 2025\\n3\\\\.\\tFinancial Results of First Two Months of 2026 \\n4\\\\.\\t5-Year Financial Forecast \\n5\\\\.\\tDividend Policy \\n6\\\\.\\tRemuneration Principles\\n7\\\\.\\tRecall of Supervisory Board Members\\n8\\\\.\\tElection and Extension of Term of Office of Supervisory Board Members\\n. ### Agenda\\n1\\\\.\\tAnnual Report 2024\\n2\\\\.\\tProfit Distribution for Financial Year 2024\\n3\\\\.\\tFinancial Results of First Two Months of 2025 \\n4\\\\.\\t5-Year Financial Forecast \\n5\\\\.\\tAmendments to 2020–2024 Share Option Program \\n6\\\\.\\t2025–2029 Share Option Program \\n7\\\\.\\tConditions of Performance Pay\\n8\\\\.\\tAcquisition of Own Shares\\n9\\\\.\\tAmendments to Articles of Association\\n. ### Agenda\\n1\\\\.\\tAnnual Report 2023\\n2\\\\.\\tProfit Distribution for Financial Year 2023\\n3\\\\.\\tDividend Policy\\n4\\\\.\\tFinancial Results of First Two Months of 2024 \\n5\\\\.\\t5-Year Financial Forecast \\n6\\\\.\\tRecall of Supervisory Board Member\\n7\\\\.\\tAppointment of Supervisory Board Member\\n. ### Agenda\\n1\\\\. Annual Report 2022\\n2\\\\. Profit Distribution for 2022\\n3\\\\. Remuneration Principles\\n4\\\\. Overview of Economic Results for First Two Months of 2023\\n5\\\\. Overview of 5-Year Financial Forecast\\n6\\\\. Extension of Mandates of Supervisory Board Members\\n. ### Agenda\\n1\\\\. Annual Report 2021\\n2\\\\. Profit Allocation for 2021\\n3\\\\. Remuneration Report 2021\\n4\\\\. Remuneration Principles\\n5\\\\. Overview of Economic Results for the First Two Months of 2022\\n6\\\\. Approval of Transaction and Related Increase of Share Capital\\n7\\\\. Amendments to Articles of Association I\\n8\\\\. Amendments to Articles of Association II and Reduction of Nominal Value of Share\\n9\\\\. Auditor for Financial Year 2023\\n10\\\\. Auditor for Financial Years 2024–2028\\n. ### Agenda\\n1\\\\. Overview of the economic results for the first seven months of 2021\\n2\\\\. Overview of the 2021 financial plan \\n3\\\\. Raising of the share capital\\n. ### Agenda\\n1. Approval of the Annual Report 2020\\n2. Profit allocation for 2020\\n3. Overview of the economic results for the first two months of 2021\\n4. Overview on the business environment and the five-year financial forecast\\n. ### Agenda\\n1\\\\. Approval of the Annual Report 2019\\n2\\\\. Profit allocation for 2019\\n3\\\\. Overview of the economic results for the first two months of 2020\\n4\\\\. Overview on the business environment and the five-year financial forecast\\n5\\\\. Approval of the option programme 2020-2024\\n6\\\\. Approval of the conditions of performance pay\\n7\\\\. Approval of the amendment of the Articles of Association\\n8\\\\. Extension of the authorisation of the members of the Supervisory Board\\n. ### Agenda\\n1\\\\. Overview of economic performance for the first seven months of 2019\\n2\\\\. Overview of the long-term financial forecast\\n3\\\\. Raising of the share capital\\n. ### Agenda\\n1\\\\. Approval of the Annual Report 2018\\n2\\\\. Profit allocation for 2018\\n3\\\\. Overview of the economic results for the first two months of 2019\\n4\\\\. Overview of the business environment and the five-year financial forecast\\n5\\\\. Appointment of the auditor for the financial years 2020-2022\\n6\\\\. Remuneration of the members of the Supervisory Board\\n. ### Agenda\\n1\\\\. Approval of the Annual Report 2017\\n2\\\\. Profit allocation for 2017\\n3\\\\. Overview of the economic results for the first two months of 2018\\n4\\\\. Overview of the business environment\\n5\\\\. Appointment of the auditor for the financial year 2018/2019\\n. ### Agenda\\n1\\\\. Approval of the Annual Report 2016\\n2\\\\. Approval of the specification of the dividend policy\\n3\\\\. Profit allocation for 2016\\n4\\\\. Overview of the economic results for the first two months of 2017\\n5\\\\. Approval of the amendment of the Articles of Association\\n6\\\\. Approval of the conditions of performance pay\\n7\\\\. Extension of the authorisation of the members of the Supervisory Board\\n. ### Agenda\\n1\\\\. Approval of the Annual Report 2015\\n2\\\\. Profit allocation for 2015\\n3\\\\. Overview of the economic results for the first quarter of 2016\\n4\\\\. Conditional increase of share capital and listing of all shares of the Group on the Nasdaq Tallinn Stock Exchange Baltic Main List\\n5\\\\. Approval of the dividend policy\\n. ### Agenda\\n1\\\\. Profit allocation for 2013\\n2\\\\. Approval of the Annual Report 2014\\n3\\\\. Profit allocation for 2014\\n4\\\\. Overview of the economic results for the first quarter of 2015\\n5\\\\. Appointment of the auditor for the financial year 2015-2017\\n6\\\\. Removal of a member of the Supervisory Board\\n7\\\\. Appointment of a member of the Supervisory Board\\n8\\\\. Share option programme\\n9\\\\. Overview of the share option programme for 2014\\n. ### Agenda\\n1\\\\. Approval of the Annual Report 2013\\n2\\\\. Allocation of the profit of 2013\\n3\\\\. Overview of the economic results for the first quarter of 2014\\n4\\\\. Overview of developments in corporate governance in 2014\\n5\\\\. Amendment of the Articles of Association\\n6\\\\. Removal of members of the Supervisory Board\\n7\\\\. Appointment of members of the Supervisory Board\\n8\\\\. Remuneration of the members of the Supervisory Board\\n9\\\\. Share option programme\\n10\\\\. Raising of the share capital\\n. "},{"title":"Management","path":"management","content":"Management. **Mihkel Torim** has been a Chairman of the management board of AS LHV Group, the member of the supervisory boards of AS LHV Pank, AS LHV Kindlustus, AS LHV Varahaldus and AS LHV Paytech, a member of the supervisory board of AS LHV Finance, and the member of the board of directors of LHV Bank Limited since 22 July 2025. He is also a member of the management board of Fortima OÜ. \\n\\nMihkel Torim graduated in **2004** with a degree in Financial Management from **Audentes University** and has completed various further training programmes. \\n\\nMihkel Torim does not own shares of AS LHV Group. Mihkel Torim has the right to subscribe to a total of 199,575 shares of AS LHV Group based on options issued in 2024 and 2025. No additional bonuses or benefits have been assigned to him as a Chairman of the management board of AS LHV Group.\\n. **Meelis Paakspuu** has been a member of the management board and CFO of AS LHV Pank since 2015 and a member of the management board of AS LHV Group since 2022. He is not a member of the governing bodies of any other company. Meelis Paakspuu graduated from the University of Tartu in 1996 with a degree in economics. Meelis Paakspuu and persons associated with him own 889,030 shares of AS LHV Group, which make up 0.27% of all shares. Meelis Paakspuu has the right to subscribe to a total of 486,894 shares of AS LHV Group based on options issued in 2022, 2023 and 2024. No additional bonuses or benefits have been assigned to him as a member of the management board of AS LHV Group.\\n. **Kadri Haldre** has been a member of the management board and CRO of AS LHV Pank and a member of the management board of AS LHV Group since 18 November 2024. She is also a member of the management board of OÜ KMA Invest, a company she solely owns. Kadri Haldre obtained a Master’s degree in economics and business administration from Copenhagen Business School in 2006. Kadri Haldre and persons associated with her own 82,140 shares of AS LHV Group, which make up 0.03% of all shares. Kadri Haldre has the right to subscribe to a total of 102,168 shares of AS LHV Group based on options issued in 2022, 2023 and 2024. No additional bonuses or benefits have been assigned to her as a member of the management board of AS LHV Group.\\n. **Rain Lõhmus** is one of the founders of LHV and the chairman of the supervisory board of AS LHV Group. He is also a member of the supervisory board of AS LHV Pank and belongs to the supervisory boards of Kodumaja AS. He is also the owner and member of the management board of AS Lõhmus Holdings, Lohmus Capital OÜ. Additionally, he is the owner of OÜ Merona Systems, Kõrberebane OÜ and one of the owners of Zerospotnrg OÜ, Umblu Records OÜ and OÜ KODRESTE. Rain Lõhmus graduated from the Tallinn University of Technology (TalTech) and the management program of Harvard Business School.\\n\\nRain Lõhmus and the persons related to him (AS Lõhmus Holdings, OÜ Merona Systems) own altogether 68,649,130 shares, representing 20.94% of all shares.\\n. **Andres Viisemann** is one of the founders of LHV and the manager of LHV pension funds. He is a member of the supervisory boards of AS LHV Group, AS LHV Pank and AS LHV Varahaldus. He also belongs to the supervisory board of AS Fertilitas and AS Viimsi Haigla. He is also the owner and a member of the management board of Viisemann Holdings OÜ and owner of Viisemann Investments AG and OÜ Miura Investeeringud. Andres Viisemann graduated from the University of Tartu and obtained a master’s degree at INSEAD in International Business Management.\\n\\nAndres Viisemann and the persons related to him (incl. Viisemann Investments AG own altogether 35,860,325 shares, representing 10.94% of all shares. Due to his position as the head of LHV pension funds, Andres Viisemann is entitled to subscribe a total of 134,979 shares of AS LHV Group for the options issued in 2022, 2023 and 2024.\\n. **Kairi Pauskar** is a member of the supervisory boards of AS LHV Group and AS LHV Pank. She is the owner and the management board member of SERBAL OÜ. Kairi Pauskar has obtained a bachelor’s degree in computer science at the University of Tartu.\\n\\nKairi Pauskar and persons related to her own 27,424 shares of AS LHV Group, representing 0.01% of all shares.\\n. **Christian Schröder** is a member of the Supervisory Board of AS LHV Group. He is also a member of the Supervisory Board and the Risk Committee of Bank Pictet & Cie (Europe) AG. Christian Schröder holds a Master’s degree in Communication Systems from École Polytechnique Fédérale de Lausanne (EPFL) and has completed several executive and financial management programs at INSEAD, IMD Lausanne, and the Swiss Banking School. \\n\\nChristian Schröder and persons related to him do not own shares of AS LHV Group.\\n. **Indrek Heinloo** is a former Management Board member and Chief Transformation Officer of Luminor Bank (2018–2020) and Chief Operating Officer of Veriff (2020–2024), responsible for compliance, risk management and legal functions. He is the owner and management board member of Heinloo Consulting OÜ and Genaris Capital OÜ. Previously, he held senior positions at McKinsey & Company and Jumia Group. He has also held interim management roles in Zid.sa and GMT Nigeria in 2025 and in 2017. Indrek Heinloo has obtained a Bachelor’s degree in Economics and Business Administration from the Stockholm School of Economics in Riga and a Master’s degree in Business Administration from the Stockholm School of Economics in Stockholm.. Indrek Heinloo and persons related to him, including legal entities under his control, do not own shares of AS LHV Group.\\n. **Tauno Tats** is a supervisory board member of AS LHV Group. Also, he is a member of the supervisory board of OÜ Eesti Killustik and a member of management boards of Ammende Hotell OÜ and MTÜ Plate torn, he is also a board member and owner of Õueala OÜ. He is the management board member and one of the owners at Ambient Sound Investments OÜ as well as a management board member of companies established for the management of investments of the aforementioned companies. Tauno Tats graduated from the Tallinn University of Technology (TalTech).\\n\\nTauno Tats does not own shares of AS LHV Group. Ambient Sound Investments OÜ owns 10,725,470 shares of AS LHV Group, representing 3.27% of all shares.\\n. **Liisi Znatokov** is a member of the supervisory boards of AS LHV Group and AS LHV Pank. She is also the founder, CEO and board member of Cobalt Financial Technologies Inc. Liisi Znatokov has obtained a master's degree in business finance and economic accounting and a bachelor's degree in business management at Tallinn University of Technology.\\n\\nLiisi Znatokov and persons related to her do not own shares of AS LHV Group.\\n. **Verner Uibo** is the head of finance in the investment company Plural Platform and is a member of the management board of AS Plural Estonia. Previously, from 2006 to 2022, he was the lead auditor of the financial audit department of AS PricewaterhouseCoopers. He is the owner and the member of the management board of TriVer Konsultatsioonid OÜ and VUPCV OÜ and a member of the management board of MAOLEN OÜ. Verner Uibo has a bachelor's degree from University of Tartu Pärnu College, and he was an Estonian certified accountant until September 2023 and has obtained of ACCA (Association of Chartered Certified Accountants) qualification without being an active member.\\n\\nVerner Uibo does not own any shares of AS LHV Group\\n. "},{"title":"Contacts","path":"contacts","content":"Contacts. "},{"title":"Transactions","path":"transactions","content":"Transactions. "},{"title":"Announcements","path":"announcements","content":"Announcements. July results. August results. Q3 interim results. October results. November results. [Q2 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2026-Q2_EN.pdf)\\n. [May results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2026-05-EN.pdf)\\n. [April results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2026-04-EN.pdf)\\n. [Q1 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2026_Q1-EN.pdf)\\n. Ex-dividend date (ex-date). [Annual General Meeting](/en/general-meetings/#25.03.2026)\\n. [February results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2026-02-EN.pdf)\\n. [Audited results for 2025](https://www.lhv.ee/assets/files/investor/LHV_Group_Annual_Report_2025-EN.pdf)\\n. [January results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2026-01-EN.pdf)\\n. [Disclosure of Financial Plan](https://www.lhv.ee/assets/files/investor/LHV_Group_Financial_Plan_2026-EN.pdf)\\n. [Q4 2025 and unaudited full year results](https://www.lhv.ee/assets/files/investor/LHV_Interim_Report_2025_Q4-EN.pdf)\\n. [November results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2025-11-EN.pdf)\\n. [October results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2025-10-EN.pdf)\\n. [Q3 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2025_Q3-EN.pdf)\\n. [August results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2025-08-EN.pdf)\\n. [July results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2025-07-EN.pdf)\\n. [Q2 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2025_Q2-EN.pdf)\\n. [May results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2025-05-EN.pdf)\\n. [April results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2025-04-EN.pdf)\\n. [Q1 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2025_Q1-EN.pdf)\\n. Ex-dividend date (ex-date). [Annual General Meeting](/en/general-meetings/#26.03.2025)\\n. [February results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2025-02-EN.pdf)\\n. [Audited results for 2024](https://www.lhv.ee/assets/files/investor/LHV_Group_Annual_Report_2024-EN.pdf)\\n. [January results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2025-01-EN.pdf)\\n. [Disclosure of Financial Plan](https://www.lhv.ee/assets/files/investor/LHV_Group_Financial_Plan_2025-EN.pdf)\\n. [Q4 2024 and unaudited full year results](https://www.lhv.ee/assets/files/investor/LHV_Interim_Report_2024_Q4-EN.pdf)\\n. [November results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2024-11-EN.pdf)\\n. [October results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2024-10-EN.pdf)\\n. [Q3 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2024_Q3-EN.pdf)\\n. [August results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2024-08-EN.pdf)\\n. [July results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2024-07-EN.pdf)\\n. [Q2 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2024_Q2-EN.pdf)\\n. [May results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2024-05-EN.pdf)\\n. [April results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2024-04-EN.pdf)\\n. [Q1 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2024_Q1-EN.pdf)\\n. Ex-dividend date (ex-date). [General meeting of shareholders](/en/general-meetings/#20.03.2024)\\n. [February results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2024-02-EN.pdf)\\n. [Audited results for 2023](https://www.lhv.ee/assets/files/investor/LHV_Group_Annual_Report_2023-EN.pdf)\\n. [Disclosure of Financial Plan](https://www.lhv.ee/assets/files/investor/LHV_Group_Financial_Plan_2024-EN.pdf)\\n. [January results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2024-01-EN.pdf)\\n. [Q4 2023 and unaudited full year results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2023_Q4-EN.pdf)\\n. [November results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2023-11-EN.pdf)\\n. [October results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2023-10-EN.pdf)\\n. [Q3 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2023_Q3-EN.pdf)\\n. [August results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2023-08-EN.pdf)\\n. [July results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2023-07-EN.pdf)\\n. [Q2 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2023_Q2-EN.pdf)\\n. [April results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2023-04-EN.pdf)\\n. [General meeting of shareholders](/en/general-meetings/#22.03.2023)\\n. [February results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2023-02-EN.pdf)\\n. [Audited results for 2022](https://www.lhv.ee/assets/files/investor/LHV_Group_Annual_Report_2022-EN.pdf)\\n. [January results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2023-01-EN.pdf)\\n. [Disclosure of Financial Plan](https://www.lhv.ee/assets/files/investor/LHV_Group_Financial_Plan_2023-EN.pdf)\\n. [Q4 2022 and unaudited full year results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2022_Q4-EN.pdf)\\n. [November results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2022-11-EN.pdf)\\n. [Q3 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2022_Q3-EN.pdf)\\n. [August results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2022-08-EN.pdf)\\n. [July results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2022-07-EN.pdf)\\n. [Q2 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2022_Q2-EN.pdf)\\n. [April results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2022-04-EN.pdf)\\n. [Audited results for 2021](https://www.lhv.ee/assets/files/investor/LHV_Group_Annual_Report_2021-EN.pdf)\\n. [Disclosure of Financial Plan](https://www.lhv.ee/assets/files/investor/LHV_Group_Financial_Plan_2022-EN.pdf)\\n. [January results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2022-01-EN.pdf)\\n. [Q4 2021 and unaudited full year results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2021_Q4-EN.pdf)\\n. [November results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2021-11-EN.pdf)\\n. [October results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2021-10-EN.pdf)\\n. [Q3 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2021_Q3-EN.pdf)\\n. [August results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2021-08-EN.pdf)\\n. [Q2 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2021_Q2-EN.pdf)\\n. [May results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2021-05-EN.pdf)\\n. [April results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2021-04-EN.pdf)\\n. [Q1 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2021_Q1-EN.pdf)\\n. Ex-dividend date (ex-date)\\n. [General meeting of shareholders](/en/general-meetings/#24.03.2021)\\n. [February results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2021-02-EN.pdf)\\n. [Audited results for 2020](https://www.lhv.ee/assets/files/investor/LHV_Group_Annual_Report_2020-EN.pdf)\\n. [January results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2021-01-EN.pdf)\\n. [Disclosure of Financial Plan](https://www.lhv.ee/assets/files/investor/LHV_Group_Financial_Plan_2021-EN.pdf)\\n. [Q4 2020 and unaudited full year results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2020_Q4-EN.pdf)\\n. [November results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2020-11-EN.pdf)\\n. [October results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2020-10-EN.pdf)\\n. [Q3 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2020_Q3-ET.pdf)\\n. [August results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2020-08-EN.pdf)\\n. [July results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2020-07-EN.pdf)\\n. [Q2 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2020_Q2-EN.pdf)\\n. [May results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2020-06-EN.pdf)\\n. [April results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2020-05-EN.pdf)\\n. [Q1 interim results](https://www.lhv.ee/assets/files/investor/LHV_Group_Interim_Report_2020_Q1-EN.pdf)\\n. [Ex-dividendi kuupäev (ex-date)](https://cns.omxgroup.com/cdsPublic/viewDisclosure.action?disclosureId=929581&messageId=1171146)\\n. [General meeting of shareholders](/en/general-meetings/#13.03.2020)\\n. [February results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2020-02-EN.pdf)\\n. [Audited results for 2019](https://www.lhv.ee/assets/files/investor/LHV_Group_Annual_Report_2019-ET.pdf)\\n. [January results](https://www.lhv.ee/assets/files/investor/AS_LHV_Group_Monthly_Results_2020-01-EN.pdf)\\n. [Disclosure of Financial Plan](https://www.lhv.ee/assets/files/investor/LHV_Group_Financial_Plan_2020-EN.pdf)\\n. [Q4 2019 and unaudited full year results](https://www.lhv.ee/assets/files/investor/LHV_Group_Annual_Report_2019-EN.pdf)\\n. "},{"title":"Shares","path":"shares","content":"Shares. Background information. Trading information. Trading history. Analysts. Research reports. [Erste Group, May 2026](https://www.lhv.ee/assets/files/investor/analyst-reports/Erste_Group_LHV_Group_Equity_Research_Initiation_Report-05-26.pdf){.arrow-link}\\n. "},{"title":"Dividends","path":"dividends","content":"Dividends. Dividend payments. Dividend policy. AS LHV Group Dividend Policy. "},{"title":"Covered bonds","path":"covered-bonds","content":"Covered bonds. Harmonised Transparency Template 30.06.2026. Harmonised Transparency Template 31.05.2026. Harmonised Transparency Template 30.04.2026. Harmonised Transparency Template 31.03.2026. Harmonised Transparency Template 28.02.2026. Harmonised Transparency Template 31.01.2026. Harmonised Transparency Template 31.12.2025. Harmonised Transparency Template 30.11.2025. Harmonised Transparency Template 31.10.2025. Harmonised Transparency Template 30.09.2025. Harmonised Transparency Template 31.08.2025. Harmonised Transparency Template 31.07.2025. Harmonised Transparency Template 30.06.2025. Harmonised Transparency Template 31.05.2025. Harmonised Transparency Template 30.04.2025. Harmonised Transparency Template 31.03.2025. Harmonised Transparency Template 28.02.2025. Harmonised Transparency Template 31.01.2025. Harmonised Transparency Template 31.12.2024. Harmonised Transparency Template 30.11.2024. Harmonised Transparency Template 31.10.2024. Harmonised Transparency Template 30.09.2024. Harmonised Transparency Template 31.08.2024. Harmonised Transparency Template 31.07.2024. Harmonised Transparency Template 30.06.2024. Harmonised Transparency Template 31.05.2024. Harmonised Transparency Template 30.04.2024. Harmonised Transparency Template 31.03.2024. Harmonised Transparency Template 29.02.2024. Harmonised Transparency Template 31.01.2024. Harmonised Transparency Template 31.12.2023. Harmonised Transparency Template 30.11.2023. Harmonised Transparency Template 31.10.2023. Harmonised Transparency Template 30.09.2023. Harmonised Transparency Template 31.08.2023. Harmonised Transparency Template 31.07.2023. Harmonised Transparency Template 30.06.2023. Harmonised Transparency Template 31.05.2023. Harmonised Transparency Template 30.04.2023. Harmonised Transparency Template 31.03.2023. Harmonised Transparency Template 28.02.2023. Harmonised Transparency Template 31.01.2023. Harmonised Transparency Template 31.12.2022. Harmonised Transparency Template 30.11.2022. Harmonised Transparency Template 31.10.2022. Harmonised Transparency Template 30.09.2022. Harmonised Transparency Template 31.08.2022. Harmonised Transparency Template 31.07.2022. Harmonised Transparency Template 30.06.2022. Harmonised Transparency Template 31.05.2022. Harmonised Transparency Template 30.04.2022. Harmonised Transparency Template 31.03.2022. Harmonised Transparency Template 28.02.2022. Harmonised Transparency Template 31.12.2021. Harmonised Transparency Template 30.11.2021. Harmonised Transparency Template 31.10.2021. Harmonised Transparency Template 30.09.2021. Harmonised Transparency Template 31.08.2021. Harmonised Transparency Template 31.07.2021. Harmonised Transparency Template 30.06.2021. Harmonised Transparency Template 31.05.2021. Harmonised Transparency Template 30.04.2021. Harmonised Transparency Template 31.03.2021. Harmonised Transparency Template 28.02.2021. Harmonised Transparency Template 31.01.2021. Harmonised Transparency Template 31.12.2020. Harmonised Transparency Template 30.11.2020. Harmonised Transparency Template 31.10.2020. Harmonised Transparency Template 30.09.2020. Harmonised Transparency Template 31.08.2020. Harmonised Transparency Template 31.07.2020. Harmonised Transparency Template 30.06.2020. Harmonised Transparency Template 31.05.2020. Covered Bonds investor presentation 25.05.2020. Harmonised Transparency Template 31.03.2020. "},{"title":"Subordinated bonds","path":"subordinated-bonds","content":"Subordinated bonds. ##### **Application to Receive the Full Amount of Bond Interest Payments**\\n. Fill in the application. **Bail-in risk**. If LHV would be subject to a recovery and resolution plan (in the event of insolvency and other difficulties), an amendment of the terms, reduction to zero or conversion into shares or other securities of the LHV subordinated bonds may result.\\n. AS LHV Group automatically withholds 22% income tax from bond interest payments. If you wish to have the full amount of the bond interest payments credited to your investment account, please let us know before purchasing the bonds. If you are a client of LHV Pank, you can apply a more favourable tax arrangement by designating your current account as an investment account directly in LHV Internet Bank. To do this:\\n. "},{"title":"Senior bonds","path":"senior-bonds","content":"Senior bonds. Offering Circular. Prospectus. Prospectus. The articles of association of AS LHV Group. Trade register extract of AS LHV Group. Agency Agreement. Deed of Covenant. Notices. Notice of Exercise of Call Option and Early Redemption of LHV Group Senior Preferred Notes 7.0% 26.05.2027\\n. ## **Application to Receive the Full Amount of Bond Interest Payments**\\n. Fill in the application. AS LHV Group hereby announces its decision to exercise the call option and redeem early the senior preferred notes issued on 26 May 2023, with the maturity date 26 May 2027, registered with ISIN code EE3300003250 (hereinafter: Notes). The early redemption will be carried out in accordance with the terms and conditions of the Notes, which permit the issuer to redeem the Notes in full on 26 May 2026, provided that investors are notified at least 30 days in advance and subject to the prior permission of the competent resolution authority. On 17 March 2026, the Single Resolution Board has granted its prior permission for the exercise of the call option and the early redemption of the Notes in full, without replacement.\\n\\nAll 2,000 Notes, each with a nominal value of 10,000 euros, totalling 20,000,000 euros, will be redeemed. Noteholders will receive the nominal value of the respective Notes along with accrued and unpaid interest up to (but excluding) the redemption date. The amount payable to the investor for one Note shall be EUR 10,175.\\n\\nThe redemption date is 26 May 2026. The record date for determining the Noteholders entitled to receive the redemption payment is 25 May 2026, at the end of the business day of the Nasdaq CSD settlement system.\\n\\nThis notice is given in accordance with the terms and conditions of the Notes, including delivery to Noteholders by e-mail and publication on the Issuer’s website.\\n\\nNo action is required to be taken by Noteholders in connection with the redemption.\\n. AS LHV Group automatically withholds 22% income tax from bond interest payments. If you wish to have the full amount of the bond interest payments credited to your investment account, please let us know before purchasing the bonds. If you are a client of LHV Pank, you can apply a more favourable tax arrangement by designating your current account as an investment account directly in LHV Internet Bank. To do this:\\n. "}]