AS LHV Group (TAL:LHV1T)

AS LHV Group Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	409.33	408.01	426.98	336.62	152.41	124.64
Interest Income on Investments	10.97	10.97	16.55	-	-	-
Total Interest Income	420.3	418.98	443.53	336.62	152.41	124.64
Interest Paid on Deposits	187.94	183.88	170.21	82.8	23.3	27.32
Net Interest Income	232.37	235.1	273.33	253.82	129.11	97.32
Net Interest Income Growth (YoY)	-12.78%	-13.99%	7.69%	96.59%	32.67%	42.09%
Gain (Loss) on Sale of Investments	1.08	4.2	0.8	-0.73	-2.01	-0.92
Other Non-Interest Income	65.64	65.54	64.17	52.41	46.44	43.99
Total Non-Interest Income	66.72	69.74	64.97	51.68	44.43	43.06
Non-Interest Income Growth (YoY)	-1.47%	7.33%	25.73%	16.31%	3.18%	22.86%
Revenues Before Loan Losses	299.08	304.84	338.3	305.5	173.54	140.38
Provision for Loan Losses	-2.86	1.52	16.26	11.55	3	3.95
Revenue	301.94	303.32	322.04	293.95	170.55	136.43
Revenue Growth (YoY)	-4.16%	-5.81%	9.56%	72.36%	25.00%	47.26%
Salaries and Employee Benefits	86.93	84.01	75.51	58.34	42.13	28.59
Selling, General & Administrative	80.4	75.3	71.41	71.02	47.5	36.6
Other Non-Interest Expense	-	-	-	-0.01	5.06	-
Total Non-Interest Expense	167.33	159.31	146.92	129.35	94.69	65.19
EBT Excluding Unusual Items	134.61	144.01	175.12	164.6	75.85	71.25
Pretax Income	134.61	144.01	175.12	164.6	75.85	71.25
Income Tax Expense	27.08	27.01	24.82	23.66	14.42	10.99
Earnings From Continuing Operations	107.53	117.01	150.3	140.94	61.43	60.26
Minority Interest in Earnings	-1.99	-2.74	-1.34	-1.34	-1.62	-2
Net Income	105.55	114.27	148.97	139.6	59.81	58.26
Net Income to Common	105.55	114.27	148.97	139.6	59.81	58.26
Net Income Growth	-22.96%	-23.30%	6.71%	133.42%	2.66%	53.52%
Basic Shares Outstanding	328	327	323	319	311	292
Diluted Shares Outstanding	334	333	329	324	318	300
Shares Change (YoY)	1.35%	1.40%	1.29%	2.17%	5.96%	1.92%
EPS (Basic)	0.32	0.35	0.46	0.44	0.19	0.20
EPS (Diluted)	0.31	0.34	0.45	0.43	0.19	0.19
EPS Growth	-26.19%	-24.44%	4.65%	126.32%	-	47.29%
Dividend Per Share	0.170	0.170	0.090	0.130	0.040	0.040
Dividend Growth	88.89%	88.89%	-30.77%	225.00%	-	37.93%
Effective Tax Rate	20.11%	18.75%	14.17%	14.37%	19.01%	15.42%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.