AS SEB Pank

Legal form:: Public limited company
Registry code:: 10004252
VAT no.:: EE100244258
Fiscal-year period:: 01.01 - 31.12
Established:: 08.12.1995 (30 y)
Former business names:: Aktsiaselts Eesti Ühispank, aktsiaselts SEB Eesti Ühispank
Capital:: 42 541 115 EUR
Address:: Tornimäe tn 2, Kesklinna linnaosa, Tallinn, Harju maakond, 15010
Status:: Registered
LEI code:: 549300ND1MQ8SNNYMJ22

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Contacts

Phone:: +372 6655100
Email:: info@seb.ee
Website:: www.seb.ee

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Industries

FINANCIAL AND INSURANCE ACTIVITIES
Provision of financial services, except insurance and pension funds
Monetary intermediation
Other monetary intermediation
64191 – Credit institutions

Industry TOPNo. 1 of 9 companies

1.AS SEB Pank361.8M €
2.Luminor Bank AS345.4M €
3.AS LHV Pank103.8M €
4.Coop Pank AS76.5M €
5.Holm Bank AS11.6M €
6.Bigbank AS11M €
7.AS Inbank5.5M €
8.Osaühing P.Õ.M.M.2.1k €
9.MM BitInvest OÜ1.3k €

Main activity 64191 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE100244258	28.07.2012	-
EE100244258	01.01.2010	27.07.2012
EE100244258	01.10.1995	31.12.2009

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	07.04.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	09.04.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	11.04.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	17.04.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	14.04.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	30.04.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	30.04.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	30.04.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	20.04.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	25.04.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	04.05.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	30.04.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	17.04.2014	Valid	PDF
2012	01.01.2012 – 31.12.2012	13.06.2013	Valid	PDF
2011	01.01.2011 – 31.12.2011	22.06.2012	Valid	PDF
2010	01.01.2010 – 31.12.2010	21.06.2011	Valid	PDF
2009	01.01.2009 – 31.12.2009	11.06.2010	Valid	PDF
2008	01.01.2008 – 31.12.2008	25.06.2009	Valid	PDF
2007	01.01.2007 – 31.12.2007	13.06.2008	Valid	PDF
2006	01.01.2006 – 31.12.2006	25.06.2007	Valid	PDF
2005	01.01.2005 – 31.12.2005	11.05.2006	Valid	PDF
2004	01.01.2004 – 31.12.2004	16.06.2005	Valid	PDF
2003	01.01.2003 – 31.12.2003	15.06.2004	Valid	PDF
2002	01.01.2002 – 31.12.2002	04.08.2003	Valid	PDF
2001	01.01.2001 – 31.12.2001	28.06.2002	Valid	PDF
2000	01.01.2000 – 31.12.2000	18.04.2001	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 19.10.2026.

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Tax debt Reports Declarations Court decisions3269 Official announcements418 TTJA decisions10 Real estate–.ee domains9 Licenses1 Regulations55 Public transactions29k Grants–State aid8 Public procurement227 Holdings in companies3 Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	18,2 M €	7,51 M €	96,9 M €−1,4%	1037
2026 Q2	17,2 M €	8,24 M €	98,3 M €+15,9%	1058
2026 Q1	18,4 M €	8,52 M €	84,9 M €+3,9%	1027
Total 2026:	53,8 M €	24,3 M €	280,1 M €
2025 Q4	17,0 M €	7,79 M €	81,7 M €−1,5%	1050
2025 Q3	18,9 M €	8,40 M €	83,0 M €+1,9%	1064
2025 Q2	18,3 M €	9,30 M €	81,4 M €−17,8%	1084
2025 Q1	18,0 M €	8,55 M €	99,1 M €+0,6%	1057
Total 2025:	72,3 M €	34,0 M €	345,1 M €
2024 Q4	15,5 M €	7,89 M €	98,5 M €+16,7%	1060
2024 Q3	16,8 M €	7,73 M €	84,5 M €−11,1%	1061
2024 Q2	49,2 M €	7,92 M €	95,0 M €+3,1%	1080
2024 Q1	24,0 M €	6,90 M €	92,1 M €+1,4%	1029
Total 2024:	105,5 M €	30,4 M €	370,0 M €
2023 Q4	15,3 M €	5,83 M €	90,8 M €−17,2%	1030
2023 Q3	14,2 M €	5,67 M €	109,7 M €+10,3%	1041
2023 Q2	14,7 M €	5,88 M €	99,4 M €+5,3%	1049
2023 Q1	13,2 M €	5,72 M €	94,4 M €+0,1%	1017
Total 2023:	57,3 M €	23,1 M €	394,3 M €
2022 Q4	9,16 M €	5,04 M €	94,3 M €−1,0%	1009
2022 Q3	7,33 M €	4,54 M €	95,3 M €−6,0%	988
2022 Q2	8,47 M €	5,11 M €	101,4 M €+19,2%	1015
2022 Q1	8,53 M €	4,99 M €	85,0 M €−0,4%	991
Total 2022:	33,5 M €	19,7 M €	376,0 M €
2021 Q4	8,09 M €	3,96 M €	85,3 M €−12,2%	989
2021 Q3	7,16 M €	3,99 M €	97,3 M €−4,5%	979
2021 Q2	7,25 M €	3,83 M €	101,8 M €+20,3%	1019
2021 Q1	7,94 M €	4,87 M €	84,6 M €+9,0%	989
Total 2021:	30,4 M €	16,6 M €	369,0 M €
2020 Q4	7,65 M €	3,75 M €	77,6 M €+15,3%	991
2020 Q3	6,97 M €	3,72 M €	67,3 M €−16,3%	991
2020 Q2	7,51 M €	3,65 M €	80,5 M €+1,5%	994
2020 Q1	8,24 M €	5,02 M €	79,3 M €−6,4%	975
Total 2020:	30,4 M €	16,2 M €	304,8 M €
2019 Q4	7,11 M €	3,58 M €	84,8 M €−4,1%	992
2019 Q3	6,88 M €	3,63 M €	88,4 M €+8,6%	1048
2019 Q2	6,62 M €	3,56 M €	81,3 M €+4,4%	1032
2019 Q1	7,68 M €	4,97 M €	77,9 M €+3,6%	1003
Total 2019:	28,3 M €	15,7 M €	332,4 M €
2018 Q4	6,42 M €	3,34 M €	75,2 M €−1,5%	995
2018 Q3	6,17 M €	3,35 M €	76,4 M €−17,3%	992
2018 Q2	20,7 M €	3,23 M €	92,3 M €+23,7%	1014
2018 Q1	4,17 M €	4,45 M €	74,6 M €−1,3%	999
Total 2018:	37,5 M €	14,4 M €	318,5 M €
2017 Q4	3,40 M €	3,20 M €	75,6 M €+9,8%	1018
2017 Q3	2,96 M €	3,18 M €	68,8 M €−21,6%	1022
2017 Q2	10,9 M €	3,29 M €	87,8 M €+41,5%	1037
2017 Q1	4,38 M €	4,17 M €	62,1 M €−76,7%	1021
Total 2017:	21,7 M €	13,8 M €	294,3 M €
2016 Q4	2,92 M €	3,15 M €	266,1 M €−1,2%	1000
2016 Q3	3,13 M €	3,18 M €	269,3 M €+1,2%	1000
2016 Q2	8,12 M €	3,15 M €	266,1 M €−20,5%	1000
2016 Q1	3,92 M €	3,96 M €	334,8 M €+1 186%	1000
Total 2016:	18,1 M €	13,4 M €	1,14 B €
2015 Q4	3,00 M €	3,14 M €	26,0 M €−3,0%	1021
2015 Q3	3,02 M €	3,23 M €	26,8 M €+1,0%	1021
2015 Q2	5,24 M €	3,20 M €	26,6 M €−16,1%	1021
2015 Q1	4,17 M €	3,81 M €	31,7 M €	1021
Total 2015:	15,4 M €	13,4 M €	111,1 M €

Revenue by industry

	2023	2024	2025
Credit institutions		508 018 112 €	405 763 648 €
Credit institutions (banks)	457 552 928 €

Tax debts

No tax debt found

No tax debt as of 19.10.2026

Representatives

	Personal ID code
Monika Kallas-Anton	48101XXXXXX	12.01.1981 (45)	Board member	19.07.2024	-
Alto Aljas	37503XXXXXX	10.03.1975 (51)	Board member	28.10.2021	-
Eve Kümnik	47306XXXXXX	30.06.1973 (53)	Board member	10.08.2018	-
Ainar Leppänen	37205XXXXXX	24.05.1972 (54)	Board member	04.05.2016	-
Allan Parik	37404XXXXXX	06.04.1974 (52)	Board member	07.09.2015	-

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Shareholders

	Personal ID code
SKANDINAVISKA ENSKILDA BANKEN AB (PUBL)	-	-	Shareholder	42 541 115 EUR	100,00%	Sole ownership	16.08.2023	-

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Other persons

	Personal ID code
Pia Margareta Warnerman	-	12.01.1959 (67)	Chairman of the supervisory board	01.09.2026	-
Christel Athina Yotis Pehrman	-	04.07.1970 (56)	Supervisory-board member	01.09.2026	-
Nils Johan Andersson	-	24.01.1957 (69)	Supervisory-board member	17.06.2025	-
Nina Anna Sofia Hammarström	-	30.07.1968 (58)	Supervisory-board member	15.01.2025	-
Juha Kotajoki	-	12.09.1959 (67)	Supervisory-board member	22.06.2023	-

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Ultimate beneficial owners

	Personal ID code
Allan Parik	37404XXXXXX	06.04.1974 (52)	Member of higher governing body (board or supervisory board)	01.06.2021	-

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Holdings in companies


Aktsiaselts SEB Liising	03.10.1997	Shareholder	3 834 762,82 EUR	100,00%	Sole ownership	16.08.2023	-
SK ID Solutions AS	27.03.2001	Shareholder	102 258,64 EUR	25,00%	Sole ownership	16.08.2023	-
Aktsiaselts Silvano Fashion Group	23.12.1996	Shareholder	800 000 EUR	22,22%	Sole ownership	25.09.2019	-

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2026 Q3

Turnover

Amount: 96 934 883 €
Monthly average: 32 311 628 €
Per employee: 31 159 €
Equity ratio: 75,95%

Labour taxes

Turnover ratio: 7,74%
Tax ratio: 41,26%
Monthly average: 2 502 520 €
Per employee: 2 389 €

State taxes

Monthly average: 6 065 919 €
Turnover ratio: 18,77%

Estimated salary

Gross salary: 4 268 €
Net salary: 3 363 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	9 379 699 712 €+12,0%	-	8 372 899 840 €+4,2%	8 033 999 872 €+4,9%	7 657 999 872 €+5,8%	7 240 000 000 €+9,2%	6 627 999 744 €
Non-current assets	53 800 000 €−41,0%	-	91 200 000 €+73,7%	52 500 000 €−47,4%	99 900 000 €+22,0%	81 900 000 €+20,3%	68 100 000 €
Total assets	9 433 499 648 €+4,2%	9 055 086 592 €+7,0%	8 464 125 952 €+4,7%	8 086 499 840 €+4,2%	7 757 899 776 €+6,0%	7 321 900 032 €+9,3%	6 696 099 840 €
Short-term liabilities	-	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-	-
Share or stock capital	42 500 000 €	-	42 500 000 €	42 500 000 €	42 500 000 €	42 500 000 €	42 500 000 €
Retained earnings	701 500 032 €+7,8%	-	650 899 968 €−2,9%	670 600 000 €+2,9%	651 600 000 €+4,6%	622 899 968 €+0,3%	621 299 968 €
Net profit	163 600 000 €−28,7%	-	229 300 000 €+90,1%	120 600 000 €+2,8%	117 300 000 €+11,7%	105 000 000 €+4,0%	101 000 000 €
Equity	1 012 800 000 €−1,5%	-	1 027 900 032 €+9,5%	938 899 968 €+2,4%	916 600 000 €+4,7%	875 600 000 €+0,6%	870 000 000 €
Turnover	405 763 648 €−20,1%	508 018 112 €+11,0%	457 552 928 €+134%	195 347 872 €+12,4%	173 758 112 €−0,4%	174 384 352 €+1,6%	171 574 336 €
Profit margin	40,3%	-	50,1%	61,7%	67,5%	60,2%	58,9%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	1,1	1,1
Quick ratio	1,1	1,1
Cash ratio	0,2	0,2
Efficiency
Days sales outstanding (dso)	-	-
Asset turnover	-	-
Structure
Debt ratio	0,9	0,9
Profitability
Operating margin	-	-
Net profit margin	-	-
Return on assets (roa)	-	-
Return on equity (roe)	-	-

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Licences & notices


License	J.1-7/05/M-1665	Frequency licences	Valid	05.09.2005	05.09.2023

Regulations


Ä 10000262 / M14	24.09.2026	Order confirming reservation of business name	-	Entered into force24.09.2026
Ä 10000262 / 64	11.08.2026	Entry – Amendment entry	-	Entered into force11.08.2026
Ä 10000262 / 63	09.04.2026	Entry – Amendment entry	-	Entered into force09.04.2026
Ä 10000262 / M13	02.04.2026	Order to remedy deficiencies – Amendment entry	02.05.2026	Deficiencies remedied02.04.2026
Ä 10000262 / 62	19.07.2024	Entry – Amendment entry	-	Entered into force19.07.2024

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions


19-1/25-16885-001	Taavi Hein	Against the consumer	19.03.2026	PDF
19-1/25-12396-001	Alar Urm	Against the consumer	27.11.2025	PDF
19-1/24-10540-001	Alar Urm	In favour of the consumer	10.12.2024	PDF
19-1/24-03322-001	Aase Sammelselg	Against the consumer	05.07.2024	PDF
19-1/22-17785-015	Aase Sammelselg, Jaanika Ots, Ulrika Paavle	Against the consumer	08.06.2023	PDF

Court decisions


2-22-14511/47	Kohtu I astme menetlus	Court ruling	308760868, Pankrotiõigus	Maimu Laumets	ECLI:EE:TMK:2026:2.22.14511.14902	07.09.2026	Open
2-25-16189/8	Kohtu I astme menetlus	Court ruling	308760868	Zakaria Nemsitsveridze	ECLI:EE:TMK:2026:2.25.16189.12953	04.08.2026	Open
2-18-9530/69	Kohtu I astme menetlus	Court ruling	Bankruptcy law	Leanika Tamm	ECLI:EE:PMK:2026:2.18.9530.12523	03.08.2026	Open
2-23-2330/64	145388009	Court ruling	Bankruptcy law	Indrek Parrest, Triin Uusen-Nacke, Margit Jäätma	ECLI:EE:TRRK:2026:2.23.2330.12299	30.07.2026	Open
2-21-16932/61	Kohtu I astme menetlus	Court ruling	Bankruptcy law	Kadri Mälberg	ECLI:EE:PMK:2026:2.21.16932.13760	29.07.2026	Open

Official announcements


Notice of auction of immovable property in enforcement proceedings	19.10.2026	PDF
Notice of declaration of a power of attorney as invalid	15.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	14.10.2026	PDF
Notice of declaration of a power of attorney as invalid	14.10.2026	PDF
Notice of declaration of a power of attorney as invalid	14.10.2026	PDF

Public transactions


30.09.2026	Pärnu Linnavalitsus	150 €Received	OPERATING EXPENSESMunicipal government
25.09.2026	Tõrva Vallavalitsus	1 447,96 €Received	FINANCIAL INCOME AND EXPENSESServicing of government-sector debt
25.09.2026	Peipsiääre Vallavalitsus	2 036,94 €Received	FINANCIAL INCOME AND EXPENSESServicing of government-sector debt
25.09.2026	Peipsiääre Vallavalitsus	2 490,99 €Received	FINANCIAL INCOME AND EXPENSESServicing of government-sector debt
25.09.2026	Peipsiääre Vallavalitsus	1 370,58 €Received	FINANCIAL INCOME AND EXPENSESServicing of government-sector debt

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid


05.07.2019	Riigi Tugiteenuste KeskusAid measure 16562	Regionaalareng (VTA) › MuuGrant	26,32 €	16562/1902219
05.07.2019	Ettevõtluse ja Innovatsiooni SihtasutusAid measure 17577	Stardiabi alustava ettevõtluse toetamiseks (VTA) › MuuGrant	503 €	17577/1900071
31.12.2013	Ettevõtluse ja Innovatsiooni SihtasutusAid measure 10086	Muu › MuuGuarantee	5 296,59 €	10086/1600092
31.12.2012	Ettevõtluse ja Innovatsiooni SihtasutusAid measure 10086	Muu › MuuGuarantee	897,75 €	10086/1600091
31.12.2011	Ettevõtluse ja Innovatsiooni SihtasutusAid measure 10086	Muu › MuuGuarantee	7 453,65 €	10086/1600090

Public procurement contracts


05.10.2026End 04.10.2029	Reference number 313972 · HL_313972_AS_SEB_Pank_kaardimaksed_KL109587	Sihtasutus Ida-Viru KeskhaiglaContracting authority	23 991,36 €	Concluded
30.12.2024End 31.12.2034	Reference number 286484 · LAENULEPING	Kehtna VallavalitsusContracting authority	0,96 €	Concluded
17.12.2024End 17.12.2029	Reference number 282747 · Hankeleping	AKTSIASELTS EESTI LOTOContracting authority	200 000 €	Concluded
28.01.2022End 27.01.2025	Reference number 243830 · HL_ 243830_SEB_PANK_AS_Kaardimaksete_vastuvõtmise_teenus	Sihtasutus Ida-Viru KeskhaiglaContracting authority	15 000 €	Concluded
05.08.2020End 15.07.2030	Reference number 225204 · LAENULEPING NR 2020009006	Kuusalu VallavalitsusContracting authority	479 771,97 €	Concluded

.ee domains


sebpank.ee	Active	31.10.2014	01.11.2026
sebenskilda.ee	Active	24.01.2014	25.01.2027
enskilda.ee	Active	24.01.2014	25.01.2027
koduvalija.ee	Active	12.06.2013	13.06.2027
kodupank.ee	Active	04.07.2010	09.12.2026

Enforcement proceedings

No enforcement proceedings found

Company has no active debts with bailiffs

Payment orders

No payment orders found

Company has no court-ordered payment orders

Data comes from public registers.