LHV bank

LHV is an Estonian banking group listed on Nasdaq Tallinn, operating primarily through AS LHV Pank in Estonia and LHV Bank Limited in the United Kingdom. In Estonia, LHV provides retail and corporate banking services including current and savings accounts, euro and international payments, cards, consumer and housing loans, SME financing, and a brokerage platform with access to multiple markets; it also offers investment and pension products via its asset management subsidiary and provides non-life insurance through its insurance arm. Digital access is delivered through online and mobile channels, with identification commonly via national eID solutions; onboarding for non-residents is possible but subject to enhanced due diligence and may be restricted. Deposits at AS LHV Pank are protected by the Estonian Guarantee Fund up to €100,000 per depositor per bank, while eligible deposits at the UK entity fall under the Financial Services Compensation Scheme up to £85,000. LHV supports SEPA and SEPA Instant for euro payments and uses SWIFT for cross-border transfers; in the UK it connects to local payment rails such as Faster Payments for business and fintech clients. The UK bank focuses on banking and payment services for corporate and fintech customers rather than broad retail offerings. Pricing, interest rates, and commissions are published in the bank’s tariff and vary by product, customer segment, and residency; currency conversion and international transfers typically involve additional fees. The loan portfolio is concentrated in Estonia with material exposure to real estate-backed and SME lending, and the group’s net interest income is sensitive to euro area rate changes. LHV publishes audited annual and interim reports, capital and liquidity metrics, and regulatory risk disclosures; product eligibility, service limits, and features depend on jurisdiction and supervisory requirements.