Holm Bank continued its strong growth in 2025, reaching record volumes in both loan and deposit portfolios by the end of the year.
By year-end, Holm’s loan portfolio stood at €207.7 million, growing by approximately 22% year-on-year. Growth was broad-based, with increases in lending to both businesses and individuals, as well as across both the Estonian and Latvian markets.
The volume of deposits reached €229.2 million by the end of the year, rising by nearly 20% compared to 2024. The bank’s consolidated total assets reached €270.5 million at the end of 2025, with profit before income tax amounting to €4.6 million.
According to Kaspar Kalvet, Chairman of the Management Board of Holm Bank, the results reflect the bank’s consistent development and growing role in the market.
“2025 was another record year for Holm. We grew business volumes across all key segments while also improving profitability. This confirms that our strategy is sustainable and effective even in a changing economic environment,” said Kalvet.
“We are particularly pleased that growth was well balanced – both loan and deposit portfolios increased, while credit quality, capital and liquidity indicators remained strong. This gives us confidence to continue expanding,” he added.
Kalvet noted that both the Estonian and Latvian markets played an important role during the year, offering good opportunities for business growth.
“We continue to see that our home markets provide opportunities for active people and companies to implement their plans. Holm aims to be a partner in these plans by offering flexible financing solutions,” said Kalvet.
“We look ahead to 2026 with optimism. We have a strong team, a clear strategy and a solid capital base to continue growing and creating value for both our clients and investors,” he added.