AS LHV Group (TAL: LHV1T)

AS LHV Group Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	431.21	336.62	152.41	124.64	88.37	61.41
Interest Paid on Deposits	156.77	82.8	23.3	27.32	19.88	14.03
Net Interest Income	274.44	253.82	129.11	97.32	68.49	47.39
Net Interest Income Growth (YoY)	19.19%	96.59%	32.67%	42.09%	44.53%	24.21%
Gain (Loss) on Sale of Investments	1.34	-0.73	-2.01	-0.92	1.54	0.59
Other Non-Interest Income	67.69	57.37	46.44	43.99	33.51	25.84
Total Non-Interest Income	69.04	56.64	44.43	43.06	35.05	26.43
Non-Interest Income Growth (YoY)	22.99%	27.47%	3.18%	22.85%	32.62%	0.31%
Revenues Before Loan Losses	343.48	310.46	173.54	140.38	103.54	73.82
Provision for Loan Losses	24.79	11.55	3	3.95	10.9	3.21
Revenue	318.69	298.91	170.55	136.43	92.65	70.61
Revenue Growth (YoY)	12.21%	75.27%	25.00%	47.26%	31.21%	18.43%
Salaries and Employee Benefits	74.61	60.89	42.13	28.59	21.96	17.48
Selling, General & Administrative	73.6	73.43	47.5	36.6	22.02	21.79
Other Non-Interest Expense	-0.01	-0.01	5.06	-	-	-
Total Non-Interest Expense	148.2	134.31	94.69	65.19	43.97	39.27
EBT Excluding Unusual Items	170.48	164.6	75.85	71.25	48.67	31.34
Pretax Income	170.48	164.6	75.85	71.25	48.67	31.34
Income Tax Expense	23.73	23.66	14.42	10.99	8.83	4.25
Earnings From Continuing Operations	146.75	140.94	61.43	60.26	39.85	27.09
Minority Interest in Earnings	-1	-1.34	-1.62	-2	-1.9	-2.3
Net Income	145.75	139.6	59.81	58.26	37.95	24.8
Net Income to Common	145.75	139.6	59.81	58.26	37.95	24.8
Net Income Growth	11.14%	133.42%	2.66%	53.52%	53.04%	-1.74%
Basic Shares Outstanding	322	319	311	292	287	272
Diluted Shares Outstanding	327	324	318	300	294	278
Shares Change (YoY)	0.93%	2.17%	5.96%	1.91%	5.66%	5.52%
EPS (Basic)	0.45	0.44	0.19	0.20	0.13	0.09
EPS (Diluted)	0.45	0.43	0.19	0.19	0.13	0.09
EPS Growth	10.21%	126.32%	0%	47.29%	44.94%	-6.91%
Dividend Per Share	0.130	0.130	0.040	0.040	0.029	0.019
Dividend Growth	225.00%	225.00%	0%	37.93%	52.63%	-9.52%
Effective Tax Rate	13.92%	14.37%	19.01%	15.42%	18.13%	13.56%

Source: S&P Capital IQ. Banks template. Financial Sources.