General Information on Banking Sector as of
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1 General Information on Banking Sector as of No Number of clients 1 Number of Internet banking Legal Individuals entities users 2 Number of Branches and Customer service and Information Centres 1 ABLV Bank Baltic International Bank Baltikums Bank Bank M2M Europe (ex Latvijas Biznesa banka) BIGBANK Latvijas filiāle Citadele banka Danske Bank filiāle Latvijā DNB banka Eesti Krediidipank Latvijas filiāle Expobank GE Money Bank Latvijas Hipotēku un zemes banka Latvijas pasta banka Nordea Bank Finland Latvijas filiāle NORVIK BANKA Pohjola Bank filiāle Latvijā PrivatBank Reģionālā investīciju banka Rietumu Banka Rigensis Bank SEB banka Skandinaviska Enskilda Banken Rīgas filiāle SMP Bank Svenska Handelsbanken AB Latvijas filiāle Swedbanka TRASTA KOMERCBANKA UniCredit Bank Total Pohjola Bank plc Latvia branch, Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available 1 Active customer - a customer with account where during the reporting period (6 months) at least two transactions are fulfilled, except service fee 2 Internet banking user - a customer who has successfully logged into Internet Bank at least six times during the reporting period (6 months)
2 Performance indicators as of No Capital adequacy ratio 1 Liquidity ratio 2 Return on equity (ROE) 3 Return on assets (ROA) 4 1 ABLV Bank 13,91% 79,69% 27,32% 1,35% 2 Baltic International Bank 15,86% 72,42% 0,05% 0,01% 3 Baltikums Bank 16,00% 79,83% 25,44% 1,97% 4 Bank M2M Europe (ex Latvijas Biznesa banka) 128,29% 863,06% -35,91% -31,96% 5 Citadele banka 13,12% 55,82% 15,01% 1,04% 6 DNB banka 12,97% 49,24% -0,19% -0,02% 7 Expobank 67,57% 133,48% 2,42% 0,57% 8 GE Money Bank 43,34% 82,41% -85,11% -16,44% 9 Latvijas Hipotēku un zemes banka 26,60% 351,39% -35,58% -6,56% 10 Latvijas pasta banka 22,96% 94,05% 23,44% 2,81% 11 NORVIK BANKA 8,57% 42,66% 0,43% 0,02% 12 PrivatBank 14,95% 124,34% 7,41% 0,39% 13 Reģionālā investīciju banka 20,21% 73,91% -18,54% -1,44% 14 Rietumu Banka 19,49% 67,02% 20,32% 1,94% 15 Rigensis Bank 31,26% 135,48% 3,05% 0,62% 16 SEB banka 16,91% 40,27% 4,68% 0,54% 17 SMP Bank 12,04% 69,78% 19,43% 1,23% 18 Swedbanka 26,00% 48,06% 11,14% 2,20% 19 TRASTA KOMERCBANKA 15,79% 77,88% 7,83% 0,88% 20 UniCredit Bank 19,79% 100,15% 0,40% 0,05% Data source: the information presented by banks 1 According to the Credit Institution Law, the capital adequacy ratio should be at least 8% 2 Liquidity ratio is calculated as liquid assets divided by current liabilities (with maturity up to 30 days), Liquidity ratio should be at least 30% 3 ROE is calculated as the ratio of profit/loss of the reporting period (after tax) to the average equity 4 ROA is calculated as the ratio of profit/loss of the reporting period (after tax) to the average assets
3 Assets as of, LVL thou* Changes compared to % % % 1 Swedbank , ,3 1, ,3-2, ,4-0,1 2 SEB banka , ,9-1, ,9-6, ,9 0,2 3 ABLV Bank , ,4-3, ,6 4, ,6 7,5 4 Nordea Bank Finland Latvijas filiāle , ,6-0, ,6-2, ,0 2,0 5 Rietumu Banka , ,4 2, ,2 6, ,2 10,1 6 DNB banka , ,4-1, ,3-0, ,6 1,0 7 Citadele banka , ,8 5, ,1 3, ,5 2,2 8 PrivatBank , ,4 10, ,2 32, ,7 121,7 9 NORVIK BANKA , ,3 0, ,6 2, ,9-14,7 10 UniCredit Bank , ,0-21, ,7-31, ,5-29,6 11 Baltikums Bank , ,8-7, ,2 24, ,2 63,8 12 TRASTA KOMERCBANKA , ,4 13, ,6 15, ,6 8,0 13 Reģionālā investīciju banka , ,2-14, ,8-14, ,0-9,4 14 Latvijas Hipotēku un zemes banka , ,3-24, ,6-30, ,4-56,6 15 Baltic International Bank , ,3 12, ,7 14, ,9-14,2 16 Danske Bank filiāle Latvijā , ,6 11, ,4-11, ,1-5,9 17 SMP Bank , ,4-1, ,1-0, ,0 13,8 18 Expobank , ,5 20, ,1-18, ,9-29,7 19 Rigensis Bank , ,3 6, ,6 139, ,2 353,1 20 GE Money Bank , ,0 13, ,2-15, ,6-37,8 21 BIGBANK Latvijas filiāle ,0 273,4 0, ,0 2, ,1 5,1 22 Latvijas pasta banka , ,8-5,5-721,0-1, ,5 14,9 23 Svenska Handelsbanken AB Latvijas filiāle , ,9-18, ,6-19,8 451,3 2,2 24 Pohjola Bank filiāle Latvijā , ,6 97, Eesti Krediidipank Latvijas filiāle 9 954, ,5-43, ,1-37, ,0-38,0 26 Bank M2M Europe (ex Latvijas Biznesa banka) 5 284, ,4 28, ,4 24,1-142,2-2,6 27 Skandinaviska Enskilda Banken Rīgas filiāle 888,5-78,0-8,1-25,9-2,8 235,3 36,0 Total , ,2-0, ,8-0, ,2 1,4 * Assets (gross value); Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
4 Assets under trust management as, LVL thou* Changes compared to % % % 1 Baltikums Bank , ,7-3, ,0 45, ,1 29,8 2 ABLV Bank , ,7-7,3-750,5-0, ,1 2,8 3 Baltic International Bank , ,1 52, ,1 71, ,6 15,0 4 Latvijas pasta banka , ,7-8,3 588,2 1, ,7 66,8 5 Expobank , ,0 251, ,2 3, ,0 206,3 6 PrivatBank , ,6-51, ,2-33, ,3-80,6 7 Swedbank , ,7 8, ,0-3, ,0-26,0 8 Reģionālā investīciju banka , Citadele banka ,1-917,7-2,4-843,9-2, ,8-11,3 10 SMP Bank , ,8-8, ,9 154, ,8 889,5 11 TRASTA KOMERCBANKA ,3-506,2-1,7 303,1 1, ,2-39,4 12 Rigensis Bank , ,9-66, ,1-77, ,8-13 Rietumu Banka , ,4 12, ,0 24, ,6 56,3 14 NORVIK BANKA 3 551,2 941,0 36,1 929,1 35,4 562,0 18,8 15 Bank M2M Europe (ex Latvijas Biznesa banka) 0, BIGBANK Latvijas filiāle 0, Danske Bank filiāle Latvijā 0, DNB banka 0, Eesti Krediidipank Latvijas filiāle 0, GE Money Bank 0, Latvijas Hipotēku un zemes banka 0, Nordea Bank Finland Latvijas filiāle 0, Pohjola Bank filiāle Latvijā 0, SEB banka 0, Skandinaviska Enskilda Banken Rīgas filiāle 0, Svenska Handelsbanken AB Latvijas filiāle 0, UniCredit Bank 0, Total , ,9-2, ,3 1, ,4-5,3 * Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
5 Capital and reserves as of, LVL thou Changes compared to % 1 Swedbank , ,4 5,7 2 SEB banka , ,2-3,7 3 Rietumu Banka , ,2 6,0 4 DNB banka ,4-154,9-0,1 5 ABLV Bank , ,6 7,3 6 Citadele banka , ,9 5,3 7 UniCredit Bank ,0-222,8-0,4 8 Latvijas Hipotēku un zemes banka , ,8-10,6 9 Expobank ,2 196,3 0,4 10 TRASTA KOMERCBANKA , ,8 3,0 11 PrivatBank , ,7 3,3 12 Baltikums Bank , ,3 10,6 13 NORVIK BANKA , ,9-18,5 14 Baltic International Bank ,2-792,9-3,3 15 Reģionālā investīciju banka , ,9-9,6 16 GE Money Bank , ,6 164,2 17 Rigensis Bank ,6-856,6-5,0 18 SMP Bank ,8 693,8 5,9 19 Latvijas pasta banka 7 025,2 444,0 6,7 20 Bank M2M Europe (ex Latvijas Biznesa banka) 4 715, ,9 27,0 21 BIGBANK Latvijas filiāle * Danske Bank filiāle Latvijā * Eesti Krediidipank Latvijas filiāle * Nordea Bank Finland Latvijas filiāle * Pohjola Bank filiāle Latvijā * Skandinaviska Enskilda Banken Rīgas filiāle * Svenska Handelsbanken AB Latvijas filiāle * - - Total , ,5 1,5 * The capital of foreign banks branches are not segregated; Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
6 Profit/loss as of, LVL thou * No Name of bank 1 Swedbank ,4 2 ABLV Bank ,1 3 Rietumu Banka ,8 4 Citadele banka 7 086,4 5 SEB banka 6 926,0 6 Baltikums Bank 4 012,2 7 Nordea Bank Finland Latvijas filiāle 3 122,6 8 TRASTA KOMERCBANKA 1 488,3 9 PrivatBank 1 283,8 10 SMP Bank 1 170,4 11 Danske Bank filiāle Latvijā 984,7 12 Latvijas pasta banka 815,1 13 Expobank 591,9 14 BIGBANK Latvijas filiāle 522,1 15 Rigensis Bank 260,5 16 NORVIK BANKA 72,4 17 Skandinaviska Enskilda Banken Rīgas filiāle 35,0 18 Baltic International Bank 6,4 19 UniCredit Bank 0,1 20 DNB banka -154,9 21 Eesti Krediidipank Latvijas filiāle -408,9 22 Bank M2M Europe (ex Latvijas Biznesa banka) -726,7 23 Reģionālā investīciju banka ,3 24 GE Money Bank ,8 25 Latvijas Hipotēku un zemes banka ,0 26 Pohjola Bank filiāle Latvijā - 27 Svenska Handelsbanken AB Latvijas filiāle - Total ,5 * Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
7 Deposits as of, LVL thou * Changes compared to % % % 1 Swedbank , ,0 2, ,0 2, ,7 33,1 2 ABLV Bank , ,3-5, ,2 0, ,0 1,2 3 Rietumu Banka , ,7 1, ,9 5, ,9 12,9 4 SEB banka ,9-747,8-0, ,5-1, ,3 16,3 5 Citadele banka , ,5 6, ,9 4, ,8 2,3 6 Nordea Bank Finland Latvijas filiāle , ,8 6, ,2 7, ,0 20,5 7 DNB banka , ,5 1, ,2 12, ,8 27,8 8 PrivatBank , ,9 15, ,3 42, ,4 136,4 9 NORVIK BANKA , ,2 1, ,2 4, ,8-16,3 10 Baltikums Bank , ,5-6, ,7 26, ,9 69,9 11 TRASTA KOMERCBANKA , ,8 15, ,4 17, ,1 9,0 12 Reģionālā investīciju banka , ,6-17, ,9-17, ,7-14,9 13 Baltic International Bank , ,7 14, ,8 17, ,2-2,3 14 SMP Bank , ,0-2, ,8 0, ,9 16,4 15 Latvijas Hipotēku un zemes banka , ,6-20, ,2-29, ,4-68,6 16 Danske Bank filiāle Latvijā , ,8-14, ,5-2, ,9-3,2 17 Expobank , ,9 8, ,3-40, ,1-51,3 18 UniCredit Bank , ,7-55, ,9-67, ,7-60,4 19 Rigensis Bank , ,6 41, ,4 330, ,6 856,2 20 BIGBANK Latvijas filiāle ,8 843,7 1, ,4 2, ,3 6,1 21 GE Money Bank ,4 219,9 0, ,8-31, ,0-50,4 22 Latvijas pasta banka , ,9-11, ,6-9, ,2 17,9 23 Eesti Krediidipank Latvijas filiāle 8 131, ,6-48, ,6-46, ,3-52,4 24 Svenska Handelsbanken AB Latvijas filiāle 6 682,9-824,7-11,0 522,7 8,5 318,4 5,0 25 Pohjola Bank filiāle Latvijā 1 644, ,4 232, Bank M2M Europe (ex Latvijas Biznesa banka) 84,0 55,5 194,5-21,5-20,4-324,2-79,4 27 Skandinaviska Enskilda Banken Rīgas filiāle 0, Total , ,9 0, ,9 2, ,3 10,3 * Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
8 Deposits broken down by term and clients as of, LVL thou* Deposits Deposits by term Deposits by clients Demand deposits Term deposits Households Enterprises 1 ABLV Bank , , , , ,7 2 Baltic International Bank , , , , ,5 3 Baltikums Bank , , , , ,9 4 Bank M2M Europe (ex Latvijas Biznesa banka) 84,0 84,0 0,0 83,2 0,8 5 BIGBANK Latvijas filiāle ,8 0, , , ,6 6 Citadele banka , , , , ,9 7 Danske Bank filiāle Latvijā , , , , ,9 8 DNB banka , , , , ,3 9 Eesti Krediidipank Latvijas filiāle 8 131, , , , ,4 10 Expobank , ,8 637, , ,5 11 GE Money Bank , , , , ,0 12 Latvijas Hipotēku un zemes banka , , ,6 320, ,0 13 Latvijas pasta banka , , , , ,7 14 Nordea Bank Finland Latvijas filiāle , , , , ,8 15 NORVIK BANKA , , , , ,2 16 Pohjola Bank filiāle Latvijā 1 644, ,3 0,0 0, ,3 17 PrivatBank , , , , ,2 18 Reģionālā investīciju banka , , , , ,1 19 Rietumu Banka , , , , ,9 20 Rigensis Bank , , , , ,4 21 SEB banka , , , , ,4 22 Skandinaviska Enskilda Banken Rīgas filiāle 0,0 0,0 0,0 0,0 0,0 23 SMP Bank , , , , ,5 24 Svenska Handelsbanken AB Latvijas filiāle 6 682, , ,0 917, ,7 25 Swedbank , , , , ,7 26 TRASTA KOMERCBANKA , , , , ,4 27 UniCredit Bank , , , , ,9 Total , , , , ,0 Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
9 Loans issued by banks as of, LVL thou* Changes compared to % % % 1 Swedbank , ,7-3, ,5-5, ,0-4,0 2 SEB banka , ,4 0, ,4 0, ,5-1,6 3 Nordea Bank Finland Latvijas filiāle , ,9-2, ,2-5, ,4-6,8 4 DNB banka , ,2-1, ,6-2, ,4-6,8 5 Rietumu Banka , ,9 1, ,0 3, ,7 12,2 6 Citadele banka , ,2-0,4 544,7 0, ,6-0,3 7 ABLV Bank , ,0-4, ,8-0, ,1 7,3 8 UniCredit Bank , ,2-29, ,7-34, ,5-37,6 9 NORVIK BANKA , ,6-2, ,4-4, ,1-16,6 10 Danske Bank filiāle Latvijā , ,1 1, ,4 3, ,5 4,2 11 Latvijas Hipotēku un zemes banka , ,7-38, ,2-39, ,0-61,7 12 PrivatBank , ,5 7, ,3 20, ,4 21,0 13 TRASTA KOMERCBANKA , ,4-9, ,1-4, ,3-5,1 14 SMP Bank ,3 351,9 0, ,7 6, ,9 15,0 15 Reģionālā investīciju banka , ,7-6, ,5-10, ,6-22,9 16 Baltic International Bank ,5 197,6 0, ,2 12, ,9-2,5 17 BIGBANK Latvijas filiāle ,9 276,6 0, ,9 3, ,1 11,2 18 GE Money Bank , ,6-7, ,8-19, ,9-33,5 19 Baltikums Bank , ,6-5, ,7 5, ,2 35,5 20 Svenska Handelsbanken AB Latvijas filiāle ,4-655,4-4,0-119,4-0,8 81,3 0,5 21 Latvijas pasta banka 9 639, ,9-9,8 878,3 10, ,6 28,5 22 Eesti Krediidipank Latvijas filiāle 4 133, ,6 32, ,0 240, ,0 222,3 23 Pohjola Bank filiāle Latvijā 3 413, ,5 101, Bank M2M Europe (ex Latvijas Biznesa banka) 201,3-3,0-1,5 3,0 1,5 88,9 79,1 25 Expobank 59,3 16,9 39,9 44,5 300,1 43,7 281,0 26 Rigensis Bank 4,2 3,0 236,4 4,2-4,2-27 Skandinaviska Enskilda Banken Rīgas filiāle 0, Total , ,9-3, ,6-4, ,9-6,3 * Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
10 Loans broken down by borrowers as, LVL thou Loans Broken down by borrowers Households Enterprises incl. to households (residents) for housing puchases 1 ABLV Bank , , , ,0 2 Baltic International Bank , , , ,9 3 Baltikums Bank , , , ,2 4 Bank M2M Europe (ex Latvijas Biznesa banka) 201,3 0,0 0,0 201,3 5 BIGBANK Latvijas filiāle , ,9 0,0 0,0 6 Citadele banka , , , ,0 7 Danske Bank filiāle Latvijā , , , ,9 8 DNB banka , , , ,0 9 Eesti Krediidipank Latvijas filiāle 4 133,4 876,8 696, ,5 10 Expobank 59,3 19,5 0,0 39,8 11 GE Money Bank , , , ,3 12 Latvijas Hipotēku un zemes banka , , , ,7 13 Latvijas pasta banka 9 639, ,3 618, ,4 14 Nordea Bank Finland Latvijas filiāle , , , ,2 15 NORVIK BANKA , , , ,8 16 Pohjola Bank filiāle Latvijā 3 413,1 0,0 0, ,1 17 PrivatBank , , , ,5 18 Reģionālā investīciju banka , ,2 191, ,1 19 Rietumu Banka , , , ,7 20 Rigensis Bank 4,2 4,2 0,0 0,0 21 SEB banka , , , ,4 22 Skandinaviska Enskilda Banken Rīgas filiāle 0,0 0,0 0,0 0,0 23 SMP Bank , , , ,2 24 Svenska Handelsbanken AB Latvijas filiāle ,4 70,6 28, ,8 25 Swedbank , , , ,5 26 TRASTA KOMERCBANKA , , , ,0 27 UniCredit Bank , , , ,3 Total , , , ,4 Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
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