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
Annual Report 2025
Last year was the most successful year in Holm Bank's history. All strategic goals were met – we grew both loan and deposit portfolios, bringing them to record levels. The net loan portfolio of Estonia and Latvia grew by 22%, the volume of deposits by 20%, and we ended the year with strong net profit. Customer and employee satisfaction levels were also very strong.
We continued to invest consistently in business development and introduced new products designed to meet modern needs, which were well received by our customers. Our strong capital and liquidity position exceeded both internal and regulatory requirements, providing a solid buffer for future growth and potential risks.
