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- Interim Report January – September 2021 Summary of Results Q3 2021 in comparison with Q2 2021 Net profit EUR 16.6 m ( EUR 12.9 m ) , of which EUR 16.0 m ( EUR 12.4 m ) is attributable to owners of the parent Earnings per share EUR 0.55 ( EUR 0.43 ) • Net income EUR 35.9 m ( EUR 32.7 m ) • Operating expenses EUR 15.3 m ( EUR 17.9 m ) Loan provisions EUR 1.44 m ( EUR -0.8 m ) Income tax expenses EUR 2.8 m ( EUR 2.8 m ) • Return on equity 24.3 % ( 19.9 % ) Capital adequacy 17.9 % ( 18.6 % ) Q3 2021 in comparison with Q3 2020 Net profit EUR 16.6 m ( EUR 10.8 m ) , of which EUR 16.0 m ( EUR 10.1 m ) is attributable to owners of the parent • Earnings per share EUR 0.55 ( EUR 0.35 ) • Net income EUR 35.9 m ( EUR 23.5 m ) • Operating expenses EUR 15.3 m ( EUR 10.7 m ) • Loan provisions EUR 1.44 m ( EUR -0.03 m ) Income tax expenses EUR 2.8 m ( EUR 2.12 m ) • Return on equity 24.3 % ( 18.9 % ) Capital adequacy 17.9 % ( 20.0 % ) Profit by quarters 10.8 18.0 16.6 12.9 11.4 3Q 4Q 1Q 2Q 2020 2020 2021 2021 3Q 2021 Basic earnings per share 0.35 0.62 0.55 0.43 0.38 3Q 4Q 2020 2020 2021 1Q 2Q 3Q 2021 2021 Capital adequacy 20.0 20.5 19.1 18.6 17.9 3Q 2020 4Q 2020 1Q 2021 2Q 2021 3Q 2021 Return on equity 31.3 24.3 19.7 18.2 18.9 Earnings per share and return on equity ratios are based on the profit attributed to the shareholders and equity of AS LHV Group and do not include non - controlling interest . Managing Director's Statement AS LHV GROUP TARTU MNT 2 , 10145 TALLINN 6 802 670 INFO@LHV.EE LHV.EE 3Q 2020 4Q 1Q 2Q 2020 2021 2021 2021 3Q 1/39 LHV