General Information on Banking Sector as of
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1 General Information on Banking Sector as of Nr. Number of clients 1 Number of Internet banking Legal entities Individuals users 2 Number of Branches and Customer service and Information Centres 1 ABLV Bank Baltic International Bank Baltikums Bank Bank M2M Europe BIGBANK Latvijas filiāle Citadele banka Danske Bank filiāle Latvijā DNB banka Eesti Krediidipank Latvijas filiāle Expobank Latvijas pasta banka Meridian Trade Bank Nordea Bank AB Latvijas filiāle NORVIK BANKA Pohjola Bank filiāle Latvijā PrivatBank Reģionālā investīciju banka Rietumu Banka Rigensis Bank SEB banka Skandinaviska Enskilda Banken Rīgas filiāle Svenska Handelsbanken AB Latvijas filiāle Swedbanka TRASTA KOMERCBANKA 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 18,80% 74,74% 28,72% 1,59% 2 Baltic International Bank 14,43% 87,16% 1,06% 0,08% 3 Baltikums Bank 16,73% 80,39% 24,10% 2,50% 4 Bank M2M Europe 23,94% 82,66% -0,92% -0,11% 5 Citadele banka 11,51% 59,17% 17,94% 1,27% 6 DNB banka 15,31% 47,71% 7,77% 0,80% 7 Expobank 33,68% 102,24% 4,85% 0,92% 8 Latvijas pasta banka 15,43% 80,76% 16,59% 1,72% 9 Meridian Trade Bank 15,25% 69,26% 0,87% 0,07% 10 NORVIK BANKA 15,84% 58,75% -8,56% -0,62% 11 PrivatBank 17,57% 91,84% 11,50% 0,91% 12 Reģionālā investīciju banka 26,57% 91,03% -4,97% -0,37% 13 Rietumu Banka 16,78% 77,65% 22,75% 2,29% 14 Rigensis Bank 28,75% 107,41% 13,79% 1,88% 15 SEB banka 19,20% 39,17% 5,55% 0,68% 16 Swedbanka 33,88% 43,83% 10,74% 2,33% 17 TRASTA KOMERCBANKA 11,14% 80,24% -17,82% -1,81% 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, EUR thou* % % 1 Swedbank , ,5 0, ,3-0,6 2 ABLV Bank , ,9 9, ,2 24,7 3 SEB banka , ,9 2, ,9-13,4 4 Rietumu Banka , ,2 6, ,3 18,7 5 Nordea Bank AB Latvijas filiāle , ,9 2, ,4 2,8 6 Citadele banka , ,0 10, ,8 8,2 7 DNB banka , ,1-0, ,3-5,8 8 NORVIK BANKA , ,6 15, ,3 22,6 9 PrivatBank , ,9 8, ,5-20,3 10 Baltikums Bank , ,6 11, ,7 28,5 11 Reģionālā investīciju banka , ,3 11, ,9 31,9 12 TRASTA KOMERCBANKA , ,9 10, ,3 39,5 13 Danske Bank filiāle Latvijā , ,2 12, ,8 44,7 14 Baltic International Bank , ,2 5, ,4 57,7 15 Expobank , ,8-6, ,1 22,4 16 Pohjola Bank filiāle Latvijā , ,7-15, ,6 499,7 17 Meridian Trade Bank , ,5 7, ,3-25,8 18 Rigensis Bank , ,6-14, ,8 10,8 19 Bank M2M Europe , ,1 26, ,7 325,2 20 Latvijas pasta banka , ,1 24, ,2 58,6 21 BIGBANK Latvijas filiāle ,4-232,6-0, ,3 2,1 22 Svenska Handelsbanken AB Latvijas filiāle , ,4 8, ,5 17,4 23 Eesti Krediidipank Latvijas filiāle ,9-177,2-0, ,1 68,0 24 Skandinaviska Enskilda Banken Rīgas filiāle 1 403,0 27,4 2,0 9,5 0,7 Total , ,0 4, ,3 5,6 * Assets (gross value) Scania Finans Aktiebolag Latvijas branch and DNB Bank ASA Latvia branch data are not available
4 Assets under trust management as, EUR thou % % 1 PrivatBank , ,1 2, ,1 29,1 2 Expobank , ,4 1, ,9 284,0 3 Baltic International Bank , ,4 22, ,9 66,6 4 Reģionālā investīciju banka , ,4 15, ,1 56,2 5 Bank M2M Europe , ,7 66, ,8 3450,9 6 Latvijas pasta banka ,9-275,4-0, ,1 33,9 7 Swedbank ,6 928,8 1, ,0 16,3 8 TRASTA KOMERCBANKA , ,6 35, ,4-30,9 9 Rigensis Bank ,9 857,6 1, ,2-6,8 10 Citadele banka , ,8 2, ,7 10,0 11 ABLV Bank , ,7-10, ,4-8,5 12 Baltikums Bank , ,1-68, ,5-77,7 13 Rietumu Banka , ,9-32, ,0-40,8 14 Meridian Trade Bank ,0 178,3 1, ,3-82,7 15 NORVIK BANKA 2 603,3-671,3-20, ,9-65,9 16 BIGBANK Latvijas filiāle 0, Danske Bank filiāle Latvijā 0, DNB banka 0, Eesti Krediidipank Latvijas filiāle 0, Nordea Bank AB Latvijas filiāle 0, Pohjola Bank filiāle Latvijā 0, SEB banka 0, Skandinaviska Enskilda Banken Rīgas filiāle 0, Svenska Handelsbanken AB Latvijas filiāle 0, Total , ,7 1, ,9 19,7
5 Capital and reserves as of, EUR thou % 1 Swedbank , ,6 11,3 2 SEB banka , ,9 1,2 3 Rietumu Banka , ,7 18,1 4 DNB banka , ,3 8,1 5 ABLV Bank , ,7 24,7 6 Citadele banka , ,1 20,1 7 NORVIK BANKA , ,1 68,8 8 Expobank , ,0-8,1 9 Baltikums Bank , ,1 12,3 10 PrivatBank , ,9 12,4 11 TRASTA KOMERCBANKA , ,2-18,1 12 Rigensis Bank , ,6 57,2 13 Reģionālā investīciju banka , ,6-5,2 14 Baltic International Bank ,4-132,8-0,4 15 Meridian Trade Bank , ,1 14,9 16 Latvijas pasta banka , ,3 11,8 17 Bank M2M Europe , ,5-8,3 18 BIGBANK Latvijas filiāle * Danske Bank filiāle Latvijā * Eesti Krediidipank Latvijas filiāle * Nordea Bank AB Latvijas filiāle * Pohjola Bank filiāle Latvijā * Skandinaviska Enskilda Banken Rīgas filiāle * Svenska Handelsbanken AB Latvijas filiāle * - - Total , ,5 5,0 * The capital of foreign banks branches are not segregated
6 Profit/loss as of, EUR thou * No Name of bank % 1 Swedbank , ,4 2,7% 2 ABLV Bank , ,9 49,1% 3 Rietumu Banka , ,8-2,7% 4 Citadele banka , ,2 85,4% 5 SEB banka ,6 923,9 3,9% 6 DNB banka , ,0 125,5% 7 Baltikums Bank ,8 779,4 6,3% 8 PrivatBank 6 369, ,7 71,3% 9 Rigensis Bank 3 624, ,5 410,5% 10 Expobank 3 495, ,6-23,2% 11 Latvijas pasta banka 1 818,9 152,5 9,2% 12 BIGBANK Latvijas filiāle 1 734,4 424,8 32,4% 13 Baltic International Bank 353,1 22,6 6,8% 14 Meridian Trade Bank 191, ,7-92,5% 15 Bank M2M Europe -112, ,1 96,2% 16 Danske Bank filiāle Latvijā -506, ,7-113,9% 17 Eesti Krediidipank Latvijas filiāle ,1 286,7 20,2% 18 Reģionālā investīciju banka , ,4-282,5% 19 NORVIK BANKA , ,7 71,0% 20 TRASTA KOMERCBANKA , ,7-541,1% 21 Nordea Bank AB Latvijas filiāle Pohjola Bank filiāle Latvijā Skandinaviska Enskilda Banken Rīgas filiāle Svenska Handelsbanken AB Latvijas filiāle Total , ,7 26,5% * Unaudited data; - Data are not available
7 Deposits as of, EUR thou % % 1 Swedbank , ,7 6, ,0 3,5 2 ABLV Bank , ,9 9, ,5 23,0 3 Rietumu Banka , ,8 8, ,4 20,1 4 SEB banka , ,5 0, ,3-1,4 5 Citadele banka , ,1 8, ,6 5,5 6 Nordea Bank AB Latvijas filiāle , ,7-5, ,4 11,5 7 DNB banka , ,2 0, ,3-1,2 8 NORVIK BANKA , ,0 10, ,1 16,9 9 PrivatBank , ,2 10, ,0-15,5 10 Baltikums Bank , ,8 14, ,1 32,4 11 Reģionālā investīciju banka , ,8 12, ,8 35,4 12 TRASTA KOMERCBANKA , ,4 12, ,4 46,9 13 Baltic International Bank , ,5 4, ,0 66,6 14 Expobank , ,7-11, ,3 26,4 15 Danske Bank filiāle Latvijā , ,7 12, ,6 51,4 16 Pohjola Bank filiāle Latvijā , , , Meridian Trade Bank , ,8 6, ,3-27,0 18 Bank M2M Europe , ,7 35, ,6 514,6 19 Rigensis Bank , ,6-22, ,7 0,9 20 Latvijas pasta banka , ,5 25, ,0 74,0 21 BIGBANK Latvijas filiāle ,6 510,8 0, ,2-3,0 22 Eesti Krediidipank Latvijas filiāle ,9-319,3-1, ,4 90,4 23 Svenska Handelsbanken AB Latvijas filiāle , ,8 18, ,6 33,8 24 Skandinaviska Enskilda Banken Rīgas filiāle 0, Total , ,0 5, ,2 13,8
8 Deposits broken down by term and clients as of, EUR thou Deposits Deposits by term Deposits by clients Demand deposits Term deposits Households Enterprises 1 ABLV Bank , , , , ,0 2 Baltic International Bank , , , , ,6 3 Baltikums Bank , , , , ,1 4 Bank M2M Europe , , , , ,2 5 BIGBANK Latvijas filiāle ,6 0, , , ,2 6 Citadele banka , , , , ,0 7 Danske Bank filiāle Latvijā , , , , ,3 8 DNB banka , , , , ,8 9 Eesti Krediidipank Latvijas filiāle , , , , ,5 10 Expobank , , , , ,6 11 Latvijas pasta banka , , , , ,4 12 Meridian Trade Bank , , , , ,1 13 Nordea Bank AB Latvijas filiāle , , , , ,7 14 NORVIK BANKA , , , , ,3 15 Pohjola Bank filiāle Latvijā , , ,0 0, ,2 16 PrivatBank , , , , ,5 17 Reģionālā investīciju banka , , , , ,8 18 Rietumu Banka , , , , ,5 19 Rigensis Bank , , , , ,2 20 SEB banka , , , , ,8 21 Skandinaviska Enskilda Banken Rīgas filiāle 0,0 0,0 0,0 0,0 0,0 22 Svenska Handelsbanken AB Latvijas filiāle , ,5 406, , ,3 23 Swedbank , , , , ,1 24 TRASTA KOMERCBANKA , , , , ,3 Total , , , , ,2
9 Loans issued by banks as of, EUR thou % % 1 Swedbank , ,2-2, ,9-7,6 2 SEB banka , ,2-3, ,0-7,5 3 Nordea Bank AB Latvijas filiāle , ,6-1, ,7-5,0 4 DNB banka , ,1-5, ,7-10,0 5 Rietumu Banka , ,8 11, ,1-3,3 6 Citadele banka , ,0-2, ,6 0,8 7 ABLV Bank , ,9-5, ,7 2,7 8 Danske Bank filiāle Latvijā , ,4 8, ,1 17,3 9 NORVIK BANKA , ,9 18, ,6 10,3 10 PrivatBank , ,9 23, ,4 67,1 11 Meridian Trade Bank ,1 4,4 0, ,5-2,9 12 TRASTA KOMERCBANKA , ,8-11, ,0-8,7 13 Baltic International Bank , ,1 1,7 346,6 0,3 14 Reģionālā investīciju banka , ,2 3, ,4 11,1 15 BIGBANK Latvijas filiāle , ,8 1, ,8 3,9 16 Baltikums Bank , ,4-7, ,6 47,7 17 Bank M2M Europe , ,0 36, ,0 692,2 18 Latvijas pasta banka , ,7 11, ,2 53,5 19 Svenska Handelsbanken AB Latvijas filiāle ,2 860,4 3, ,5 7,3 20 Pohjola Bank filiāle Latvijā , ,2 12, ,5 24,1 21 Rigensis Bank , ,3-26, ,5 96,2 22 Expobank , ,5 145, ,7 98,1 23 Eesti Krediidipank Latvijas filiāle ,0-83,2-0, ,0 29,3 24 Skandinaviska Enskilda Banken Rīgas filiāle 0, Total , ,7-0, ,0-6,1
10 Loans broken down by borrowers as, EUR thou Loans Broken down by borrowers Households Enterprises incl. to households (residents) for housing puchases 1 ABLV Bank , , , ,0 2 Baltic International Bank , , , ,5 3 Baltikums Bank , ,7 833, ,2 4 Bank M2M Europe , ,4 0, ,3 5 BIGBANK Latvijas filiāle , ,2 0,0 0,0 6 Citadele banka , , , ,8 7 Danske Bank filiāle Latvijā , , , ,5 8 DNB banka , , , ,7 9 Eesti Krediidipank Latvijas filiāle , , , ,3 10 Expobank , ,1 0, ,4 11 Latvijas pasta banka , , , ,7 12 Meridian Trade Bank , , , ,5 13 Nordea Bank AB Latvijas filiāle , , , ,9 14 NORVIK BANKA , , , ,3 15 Pohjola Bank filiāle Latvijā ,2 0,0 0, ,2 16 PrivatBank , , , ,7 17 Reģionālā investīciju banka , ,6 49, ,8 18 Rietumu Banka , , , ,9 19 Rigensis Bank ,9 779,2 41, ,7 20 SEB banka , , , ,8 21 Skandinaviska Enskilda Banken Rīgas filiāle 0,0 0,0 0,0 0,0 22 Svenska Handelsbanken AB Latvijas filiāle ,2 84,5 64, ,7 23 Swedbank , , , ,7 24 TRASTA KOMERCBANKA , , , ,3 Total , , , ,1
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