Luminor Bank AS
Active Registry code 11315936
AS Tallinn Registered 16 Nov 2006
Luminor Bank AS is a AS based in Tallinn, registry code 11315936, status: active. Main activity: Credit institutions. According to EMTA, turnover for Q3 2026 was €93 519 472 with 689 employees.
Turnover
93 519 472 €
↑ 2.8% vs Q2 2026
State taxes
4 801 554 €
↓ 27.1% vs Q2 2026
Labour taxes
5 473 010 €
↓ 22.2% vs Q2 2026
Employees
689
+34 vs Q2 2026
Q3 2026 · data from the Tax and Customs Board (EMTA)
Position in the industry
- Turnover · Q3 2026 93.5 mn €above 98% of companiesindustry median 13 555 € · companies in the industry: 547
- Labour taxes per employee 7 943 €above 85% of companiesindustry median 2 214 € · companies in the industry: 443
- Revenue · 2025 684.4 mn €above 98% of companiesindustry median 0 € · companies in the industry: 3 672
- Net profit margin · 2025 20.3 %above 43% of companiesindustry median 34.4 % · companies in the industry: 770
Taxes and turnover
- Company
- Industry median
Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.
- Company
- Industry median
Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.
| Quarter | Turnover, € | State taxes, € | Labour taxes, € | Employees |
|---|---|---|---|---|
| Q3 2026 | 93 519 472 | 4 801 554 | 5 473 010 | 689 |
| Q2 2026 | 90 959 976 | 6 584 435 | 7 038 752 | 655 |
| Q1 2026 | 74 155 461 | 5 226 240 | 4 881 865 | 625 |
| Q4 2025 | 86 800 377 | 5 315 790 | 4 809 139 | 619 |
| Q3 2025 | 88 824 670 | 5 419 481 | 4 637 095 | 604 |
| Q2 2025 | 82 803 738 | 6 205 206 | 6 186 737 | 577 |
| Q1 2025 | 75 745 125 | 5 623 337 | 4 712 620 | 558 |
| Q4 2024 | 98 318 187 | 4 693 507 | 3 866 325 | 552 |
| Q3 2024 | 98 042 456 | 5 032 027 | 3 935 814 | 547 |
| Q2 2024 | 89 387 398 | 6 929 163 | 5 322 467 | 541 |
| Q1 2024 | 104 877 509 | 6 943 864 | 3 625 151 | 541 |
| Q4 2023 | 110 191 743 | 6 498 127 | 3 591 434 | 541 |
| Q3 2023 | 117 578 357 | 5 877 711 | 3 171 898 | 545 |
| Q2 2023 | 119 562 144 | 6 496 622 | 4 363 315 | 536 |
| Q1 2023 | 91 337 044 | 6 531 753 | 2 853 301 | 525 |
| Q4 2022 | 92 148 610 | 4 998 472 | 2 780 238 | 523 |
| Q3 2022 | 101 621 174 | 3 267 110 | 2 754 885 | 534 |
| Q2 2022 | 90 888 586 | 4 268 547 | 3 783 477 | 538 |
| Q1 2022 | 85 872 109 | 4 316 344 | 2 638 171 | 540 |
Labour taxes per employee per month
2 648 €
Turnover per employee in the quarter
135 732 €
Q3 2026 · calculated from EMTA data
Financials by year
- Company
- Industry median
Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.
- Company
- Industry median
Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.
- Company
- Industry median
Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.
- Company
- Industry median
Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.
| Year | Revenue, € | Net profit, € | Labour costs, € | Assets, € | Equity, € | Employees |
|---|---|---|---|---|---|---|
| 2025 | 684 400 000 | 138 700 000 | 145 800 000 | 15 951 100 000 | 1 807 700 000 | 2 528 |
| 2024 | 875 700 000 | 198 300 000 | 139 800 000 | 15 817 900 000 | 1 628 100 000 | 2 322 |
| 2023 | 812 125 000 | 189 400 000 | 124 400 000 | 15 603 000 000 | 1 724 200 000 | 2 338 |
| 2022 | 390 513 000 | 117 000 000 | 105 100 000 | 14 857 500 000 | 1 534 900 000 | 2 210 |
| 2021 | 326 177 000 | 53 300 000 | — | 13 400 500 000 | 1 508 100 000 | 2 150 |
| 2020 | 333 739 000 | 60 272 000 | 95 380 000 | 15 039 244 000 | 1 645 796 000 | 2 359 |
| 2019 | 362 790 000 | — | — | 13 758 141 000 | — | 2 359 |
| 2018 | — | — | — | — | — | 0 |
| 2017 | — | — | — | — | — | 586 |
| 2016 | — | — | — | — | — | 112 |
| 2015 | — | — | — | — | — | 94 |
| 2014 | — | — | — | — | — | 108 |
| 2013 | — | — | — | — | — | 117 |
| 2012 | — | — | — | — | — | 98 |
| 2009 | — | — | — | — | — | 32 |
| 2008 | — | — | — | — | — | 40 |
| 2007 | — | — | — | — | — | 39 |
Figures from the company’s own (non-consolidated) balance sheet and income statement. A loss is shown with a minus sign.
Financial ratios for 2025
Net profit margin
20.3 %
Net profit / revenue
Return on equity (ROE)
7.7 %
Net profit / equity
Return on assets (ROA)
0.9 %
Net profit / assets
Equity ratio
11.3 %
Equity / assets
Revenue per employee
270 728 €
Revenue / average full-time employees
Labour cost per employee per month
4 806 €
Labour costs / employees / 12 months (incl. employer taxes)
Annual reports
| Year | Period | Filed | Report | Documents |
|---|---|---|---|---|
| 2025 | 1 Jan 2025 – 31 Dec 2025 | 18 May 2026 | Consolidated · audited | e-Äriregister |
| 2024 | 1 Jan 2024 – 31 Dec 2024 | 29 May 2025 | Consolidated · audited | e-Äriregister |
| 2023 | 1 Jan 2023 – 31 Dec 2023 | 5 Jun 2024 | Consolidated · audited | e-Äriregister |
| 2022 | 1 Jan 2022 – 31 Dec 2022 | 18 May 2023 | Consolidated · audited | e-Äriregister |
| 2021 | 1 Jan 2021 – 31 Dec 2021 | 22 Apr 2022 | Consolidated · audited | e-Äriregister |
| 2020 | 1 Jan 2020 – 31 Dec 2020 | 30 Apr 2021 | Consolidated · audited | e-Äriregister |
| 2019 | 1 Jan 2019 – 31 Dec 2019 | 17 Apr 2020 | Consolidated · audited | e-Äriregister |
Board
- Nasdaq CSD SEKeeper of the share ledger · since 28 Sep 2017
- Mari MõisBoard member · since 17 Oct 2022
- Diego BiondoBoard member · since 23 Nov 2023
- Ossi Henrik LeikolaBoard member · since 8 May 2024
- Wojciech Maria SassBoard member · since 8 May 2024
- Enkelejd ZotajBoard member · since 22 Nov 2024
- Johannes ProkschBoard member · since 22 Nov 2024
- Jonas UrbonasBoard member · since 27 Mar 2025
- Jonna PechterBoard member · since 9 Jul 2025
- Tanel RebaneBoard member · since 9 Jul 2025
Right of representation
Any member of the management board may represent the public limited company in all transactions.
Owners
No owner information.
Beneficial owners
- Stephen A. SchwarzmanMember of a senior management body (management or supervisory board) · USA · since 31 Oct 2019
Founders and other persons
- AS DnB NORD BankaFounder · 3 905 000 € · 16 Nov 2006
- Aktsiaselts PricewaterhouseCoopersAudit firm · 1 Nov 2006
- Hans-Karl Alfred Friedrich von RohrChairman of the supervisory board · 1 Jan 2026
- Bjørn Erik NæssSupervisory board member · 2 Jan 2019
- Ottar ErtzeidSupervisory board member · 17 Feb 2022
- Nils MeingailisSupervisory board member · 2 Jan 2024
- Tanvi Prafulchandra DavdaSupervisory board member · 1 Nov 2024
- Mark Ashton-RigbySupervisory board member · 3 Dec 2024
- Maria Elena CappelloSupervisory board member · 1 Jul 2025
- Mathias Patrick Laurent FavettoSupervisory board member · 26 Aug 2025
- Peter Alexander KleinschmidtSupervisory board member · 18 Nov 2025
- Petra Constance van HoekenSupervisory board member · 1 Apr 2026
- Omanikukonto: LUMINOR HOLDING ASShareholder · 34 912 230 € · 12 Aug 2026
Related companies
Activities (EMTAK)
- 64191Credit institutions Main
Rulings
All rulings (PDF)| Number, date | Title | Deadline | State | Document |
|---|---|---|---|---|
| Ä 10103847 / 62 11 Aug 2026 |
Amendment entry | In force 11 Aug 2026 |
||
| Ä 10103847 / 61 7 Aug 2026 |
Amendment entry | In force 7 Aug 2026 |
||
| Ä 10103847 / 60 31 Jul 2026 |
Amendment entry | In force 31 Jul 2026 |
||
| Ä 10103847 / 59 9 Jul 2025 |
Amendment entry | In force 9 Jul 2025 |
||
| Ä 10103847 / 58 27 Mar 2025 |
Amendment entry | In force 27 Mar 2025 |
||
| Ä 10103847 / M23 25 Mar 2025 |
Procedural ruling | 4 Apr 2025 | Deficiencies eliminated 27 Mar 2025 |
|
| Ä 10103847 / 57 22 Nov 2024 |
Amendment entry | In force 22 Nov 2024 |
||
| Ä 10103847 / 56 22 Nov 2024 |
Amendment entry | In force 22 Nov 2024 |
||
| Ä 10103847 / M22 5 Nov 2024 |
Ruling to eliminate deficiencies | 4 Dec 2024 | Deficiencies eliminated 22 Nov 2024 |
|
| Ä 10103847 / 55 8 May 2024 |
Amendment entry | In force 8 May 2024 |
||
| Ä 10103847 / 54 23 Nov 2023 |
Amendment entry | In force 23 Nov 2023 |
||
| Ä 10103847 / M21 30 Oct 2023 |
Procedural ruling | In force 30 Oct 2023 |
||
| Ä 10103847 / 53 20 Mar 2023 |
Amendment entry | In force 20 Mar 2023 |
||
| Ä 10103847 / M20 8 Mar 2023 |
Procedural ruling | 18 Mar 2023 | Deficiencies eliminated 20 Mar 2023 |
|
| Ä 10103847 / 52 17 Oct 2022 |
Amendment entry | In force 17 Oct 2022 |
||
| Ä 10103847 / M19 2 Jun 2022 |
Ruling to correct data outside an entry | 2 Jul 2022 | Deficiencies eliminated 20 Jun 2022 |
|
| Ä 10103847 / 51 25 May 2022 |
Amendment entry | In force 25 May 2022 |
||
| Ä 10103847 / 50 26 Apr 2022 |
Amendment entry | In force 26 Apr 2022 |
||
| Ä 10103847 / 49 19 Aug 2021 |
Amendment entry | In force 19 Aug 2021 |
||
| Ä 10103847 / 48 20 May 2021 |
Amendment entry | In force 20 May 2021 |
||
| Ä 10103847 / 47 3 Mar 2021 |
Amendment entry | In force 3 Mar 2021 |
||
| Ä 10103847 / M18 1 Mar 2021 |
Procedural ruling | 16 Mar 2021 | Deficiencies eliminated 3 Mar 2021 |
|
| Ä 10103847 / 46 10 Feb 2021 |
Amendment entry | In force 10 Feb 2021 |
||
| Ä 10103847 / 45 12 Jan 2021 |
Amendment entry | In force 12 Jan 2021 |
||
| Ä 10103847 / 44 12 Jan 2021 |
Amendment entry | In force 12 Jan 2021 |
||
| Ä 10103847 / M17 7 Jan 2021 |
Procedural ruling | In force 7 Jan 2021 |
||
| Ä 10103847 / 43 16 Nov 2020 |
Amendment entry | In force 16 Nov 2020 |
||
| Ä 10103847 / M16 12 Nov 2020 |
Ruling to eliminate deficiencies | 12 Dec 2020 | Deficiencies eliminated 13 Nov 2020 |
|
| Ä 10103847 / 42 17 Sep 2020 |
Amendment entry | In force 17 Sep 2020 |
||
| Ä 10103847 / 41 5 Nov 2019 |
Amendment entry | In force 5 Nov 2019 |
||
| Ä 10103847 / 40 15 Oct 2019 |
Amendment entry | In force 15 Oct 2019 |
||
| Ä 10103847 / 39 4 Oct 2019 |
Amendment entry | In force 4 Oct 2019 |
||
| Ä 10103847 / 38 24 Sep 2019 |
Amendment entry | In force 24 Sep 2019 |
||
| Ä 10103847 / 37 23 Sep 2019 |
Amendment entry | In force 23 Sep 2019 |
||
| Ä 10103847 / M15 9 Sep 2019 |
Ruling to eliminate deficiencies | 29 Sep 2019 | Deficiencies eliminated 18 Sep 2019 |
|
| Ä 10103847 / M14 11 Jul 2019 |
Public service of a ruling in Ametlikud Teadaanded | In force 11 Jul 2019 |
||
| Ä 10103847 / 36 13 Jun 2019 |
Amendment entry | In force 13 Jun 2019 |
||
| Ä 10103847 / M13 6 Jun 2019 |
Ruling to eliminate deficiencies | 6 Jul 2019 | Deficiencies eliminated 6 Jun 2019 |
|
| Ä 10103847 / 35 6 Jun 2019 |
Amendment entry | In force 6 Jun 2019 |
||
| Ä 10103847 / 34 6 Jun 2019 |
Entry refused | In force 12 Aug 2019 |
||
| Ä 10103847 / 33 21 May 2019 |
Amendment entry | In force 21 May 2019 |
||
| Ä 10103847 / M12 20 May 2019 |
Ruling to eliminate deficiencies | 3 Jun 2019 | Deficiencies eliminated 21 May 2019 |
|
| Ä 10103847 / 32 5 Apr 2019 |
Amendment entry | In force 5 Apr 2019 |
||
| Ä 10103847 / M11 18 Mar 2019 |
Ruling to eliminate deficiencies | 17 Apr 2019 | Deficiencies eliminated 5 Apr 2019 |
|
| Ä 10103847 / M10 8 Feb 2019 |
Ruling to correct data outside an entry | 2 Mar 2019 | Deficiencies eliminated 8 Feb 2019 |
|
| Ä 10103847 / 31 8 Feb 2019 |
Amendment entry | In force 8 Feb 2019 |
||
| Ä 10103847 / M9 31 Jan 2019 |
Ruling to eliminate deficiencies | 2 Mar 2019 | Deficiencies eliminated 8 Feb 2019 |
|
| Ä 10103847 / 30 3 Jan 2019 |
Amendment entry | In force 3 Jan 2019 |
||
| Ä 10103847 / 29 2 Jan 2019 |
Second (constitutive) cross-border merger entry | In force 2 Jan 2019 |
||
| Ä 10103847 / M8 30 Nov 2018 |
Ruling to eliminate deficiencies | 20 Dec 2018 | Deficiencies eliminated 3 Jan 2019 |
|
| Ä 10103847 / 28 28 Sep 2018 |
Amendment entry | In force 28 Sep 2018 |
||
| Ä 10103847 / M7 17 Sep 2018 |
Ruling to eliminate deficiencies | 17 Oct 2018 | Deficiencies eliminated 28 Sep 2018 |
|
| Ä 10103847 / 27 29 Aug 2018 |
Amendment entry | In force 29 Aug 2018 |
||
| Ä 10103847 / 26 17 Jan 2018 |
Amendment entry | In force 17 Jan 2018 |
||
| Ä 10103847 / 25 30 Nov 2017 |
Amendment entry | In force 30 Nov 2017 |
||
| Ä 10103847 / 24 4 Oct 2017 |
Amendment entry | In force 4 Oct 2017 |
||
| Ä 10103847 / 23 28 Sep 2017 |
Amendment entry | In force 28 Sep 2017 |
||
| Ä 10103847 / M6 19 Sep 2017 |
Ruling to eliminate deficiencies | 19 Oct 2017 | Deficiencies eliminated 19 Sep 2017 |
|
| Ä 10103847 / 22 19 Sep 2017 |
Amendment entry | In force 19 Sep 2017 |
||
| Ä 10103847 / 21 31 Aug 2016 |
Amendment entry | In force 31 Aug 2016 |
||
| Ä 10103847 / 20 10 Feb 2016 |
Amendment entry | In force 10 Feb 2016 |
||
| Ä 10103847 / 19 3 Sep 2015 |
Amendment entry | In force 3 Sep 2015 |
||
| Ä 10103847 / 18 20 Mar 2015 |
Amendment entry | In force 20 Mar 2015 |
||
| Ä 10103847 / M5 3 Mar 2015 |
Procedural ruling | 2 Apr 2015 | Deficiencies eliminated 20 Mar 2015 |
|
| Ä 10103847 / 17 20 Feb 2015 |
Amendment entry | In force 20 Feb 2015 |
||
| Ä 10103847 / 16 3 Apr 2014 |
Amendment entry | In force 3 Apr 2014 |
||
| Ä 10103847 / 15 28 Feb 2014 |
Amendment entry | In force 28 Feb 2014 |
||
| Ä 10103847 / 14 30 Aug 2013 |
Amendment entry | In force 30 Aug 2013 |
||
| Ä 10103847 / 13 25 Mar 2013 |
Amendment entry | In force 25 Mar 2013 |
||
| Ä 10103847 / M4 31 Jan 2013 |
Ruling to correct data outside an entry | 2 Apr 2013 | Deficiencies eliminated 21 Mar 2013 |
|
| Ä 10103847 / 12 6 Sep 2012 |
Amendment entry | In force 6 Sep 2012 |
||
| Ä 10103847 / 11 31 Aug 2012 |
Amendment entry | In force 31 Aug 2012 |
||
| Ä 10103847 / 10 13 Jul 2012 |
Amendment entry | In force 13 Jul 2012 |
||
| Ä 10103847 / M3 10 Jul 2012 |
Ruling to eliminate deficiencies | 10 Sep 2012 | In force 10 Jul 2012 |
|
| Ä 10103847 / 9 22 Nov 2011 |
Amendment entry | In force 22 Nov 2011 |
||
| Ä 10103847 / M2 11 Nov 2011 |
Ruling to eliminate deficiencies | 12 Dec 2011 | In force 11 Nov 2011 |
|
| Ä 10103847 / 8 28 Jul 2011 |
Amendment entry | In force 28 Jul 2011 |
||
| Ä 10103847 / 7 28 Jul 2010 |
Amendment entry | In force 28 Jul 2010 |
||
| Ä 103847 / 6 14 Jan 2009 |
Amendment entry | In force 14 Jan 2009 |
||
| Ä 103847 / M1 23 Dec 2008 |
Ruling to eliminate deficiencies (to be served) | 28 Jan 2009 | In force 29 Dec 2008 |
|
| Ä 103847 / 5 3 Dec 2008 |
Deletion of activities from the registry card | In force 4 Dec 2008 |
||
| Ä 103847 / 4 30 Oct 2008 |
Amendment entry | In force 30 Oct 2008 |
||
| Ä 103847 / 3 18 Mar 2008 |
Amendment entry | In force 18 Mar 2008 |
||
| Ä 103847 / 2 4 Dec 2006 |
Amendment entry | In force 4 Dec 2006 |
||
| Ä 103847 16 Nov 2006 |
First entry | In force 16 Nov 2006 |
Sources: e-Äriregister and EMTA. Data updated 1 Nov 2026. Open at the source ↗ · Report an error in the data