Fintech Partnerships LHV Bank already serves 200 international fintech clients and offers Banking Services across UK and Europe; opportunity to expand through embedded finance, white-label current accounts, API-driven settlements, and liquidity partnerships.

AI CX Expansion Recent PoC with Gradient Labs signals appetite for AI-enabled customer service; opportunities to provide scalable AI-powered CX, automated email handling, CRM integrations, and analytics to reduce response times for retail and SME clients.

SME Lending Growth SME lending focuses on UK businesses including commercial real estate and specialist buy-to-let; potential to upsell working capital, equipment finance, and expansion loans to landlords, developers, and mid-market SMEs via brokers and partnerships.

Funding and Savings Strong funding via deposit aggregators and the launch of Easy Access savings at 4.17% gross; opportunity to offer treasury and wholesale deposit programs, and co-branded savings products for fintech partners and corporate clients.

Geographic Expansion With 500 million end-customers across UK and Europe and a digital-first, competitive retail proposition, LHV Bank is well positioned to partner with fintechs and SMEs pursuing European market access and cross-border banking services.