AS LHV GROUP EO -10 (ASU0) - Cash Flow Conversion Efficiency

AS LHV Group, together with its subsidiaries, provides various banking products and services to private and business customers in Estonia and the United Kingdom. The company operates through LHV Pank, LHV Bank, LHV Varahaldus, and LHV Kindlustus segments. It offers fixed-term deposits, savings accounts, and demand deposits; investment services, including growth accounts, securities accounts, investment accounts, crypto assets, trading, and portfolio management services; margin loans, institutional brokerage, currency and interest rate risk hedging, and foreign exchange services; and investment advisory services. The company also provides home, private, student, and margin loans; consumer loans comprising car, home repair, furnishing, travel, health and beauty, appliance, hire-purchase, and refinancing loans; corporate loans that include micro, overdraft facility, working capital, investment, and apartment association loans; leasing services; and trade finance services, such as guarantees, letters of credit, documentary collection, and factoring services. In addition, it offers insurance products, including home, casco, motor third-party liability, equipment, dwelling, vehicle warranty, travel, apartment association, corporate, machinery, health, and loan repayment insurance, as well as extended warranty insurance for equipment and roadside assistance service. Further, the company provides pension investment account, micro investment, trading and brokerage services, and portfolio management services; private and business banking, virtual cards, and micro donation services; payments and e-invoices; and mobile banking and ATM services. AS LHV Group was founded in 1999 and is based in Tallinn, Estonia.