Financial results

Holm Bank is a company based on Estonian private capital, whose product portfolio includes financing for private and business clients, physical and virtual credit cards, hire purchases, leasing and term deposits.

Fast growth
Our loan and deposit portfolio has grown rapidly

Quality loans
Despite rapid growth, the quality of loans remains high – the share of non-performing loans is low

Innovative solutions
We are constantly expanding our product portfolio with new and modern solutions

Growth-oriented strategy
Our focus in the coming years is on increasing business volumes in both the Estonian and Latvian markets, as well as further enhancing profitability

For investors

Annual Report 2024

Last year was the most successful year in Holm Bank's history. All strategic goals were met – we grew both loan and deposit portfolios and successfully carried out our first public bond issue. The net loan portfolio of Estonia and Latvia grew by 22%, the volume of deposits by 23%, and we ended the year with the strongest net profit so far.

We continued to invest in business development and launched new innovative products. Strong capital and liquidity positions provide the necessary buffer for future growth and cover for potential risks.

The audited financial results report for 2024 is currently being prepared and will be published shortly. In the meantime, you can review the interim report. A brief overview with comments from the bank's CEO Kaspar Kalvet is available in our news section.

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