Strategy

AS LHV Group is the largest domestic financial group and capital provider in Estonia

LHV Group's key subsidiaries are LHV Pank, LHV Varahaldus and AS LHV Kindlustus. LHV was established in 1999, relying on the long-term investment and business experience of its founders. LHV employs more than 630 people. LHV’s banking services are used by more than 302,000 clients, pension funds managed by LHV have 174,000 active clients and LHV Kindlustus protects a total of 139,000 clients. Additionally, LHV’s UK branch offers banking infrastructure to more than 180 financial service providers, that in turn intermediate LHV’s payment services to their customers around the world.

*Projected profit for 2021
¹ Loss of Varahaldus is related to additional depreciation related to customers leaving pension funds. The success fee is not included in the financial plan
² First year of operation for Kindlustus

Strategy

LHV’s mission is better access to financial services and capital.
LHV’s vision is for people and businesses to dare think big and embark on bold ventures.
LHV values: simple, supportive, effective.

Long-term objectives of LHV

LHV’s long-term objective is to offer its partners strong relationships, by being:

  • the top financial service provider when it comes to customer service;
  • the most engaged and understanding financial service provider for international financial intermediaries;
  • an attractive employer that offers LHV’s employees high satisfaction and the possibility to grow and realize their potential;
  • transparent for investors, offering an annual ROE as high as 20%;
  • a company with the best management practices, positive social impacts and climate goals.

LHV is the perfect place for safeguarding and growing your savings

LHV 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.

LHV’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.

Partnership 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.

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