Annual Report 2023

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 bond issue. The net loan portfolio of Estonia and Latvia grew by 41%, the volume of deposits by 49%, 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.