Luminor Bank AS
RegisteredKey figures
Ratios
2025Summary: Luminor Bank AS
What kind of company is it?
Luminor Bank AS (registry code 11315936) is a public limited company (AS). The company was entered in the Commercial Register in 2006 and has been registered for 19 years. Registered location: Kesklinna linnaosa, Tallinn, Harju maakond. According to the latest annual report, the main activity is credit institutions (EMTAK 64191). The company is registered for VAT (VAT number EE101097527).
How is the company doing financially?
Revenue in financial year 2025 was 684 400 000 €, down 21,8% on the previous year (875 700 000 €). From 2019 to 2025, revenue grew by an average of 11,2% per year. Net profit for financial year 2025 was 138 700 000 € (20,3% of revenue). The company was profitable in all 6 published financial years. In financial year 2025 the company had 2528 employees (2322 a year earlier). Revenue per employee was 270 728 €. At the end of financial year 2025, total assets were 15 951 100 000 € and equity 1 807 700 000 € (11,3% of assets).
What do the latest quarters show?
According to the Tax and Customs Board, turnover in Q3 2026 was 93 519 472 €, up 5,3% on the same quarter a year earlier. The company had 689 employees in that quarter. Labour taxes paid in the quarter: 5 473 010 €. Based on labour taxes, the estimated average gross salary in Q3 2026 was about 4730 € per month.
Who runs the company and who owns it?
The management board has 9 members. The supervisory board has 10 members. The sole owner of the company is LUMINOR HOLDING AS.
Where does the data come from and how fresh is it?
Register data (name, address, legal form, management board and owners) come from the Commercial Register of the Centre of Registers and Information Systems (RIK); changes are read from RIK every night. Financial figures come from annual reports; the latest report (financial year 2025) was filed on 18.05.2026. Quarterly turnover, employee numbers and labour taxes come from the open data of the Tax and Customs Board (EMTA); latest quarter Q3 2026. The LEI code (213800JD2L89GGG7LF07) comes from the GLEIF database. Changes, averages and ratios are calculated by entity.ee from open data and are not an official assessment.
Quarterly figures
| Quarter | Revenue | Number of employees | Labour taxes |
|---|---|---|---|
| Q3 2026 | 93 519 472 € | 689 | 5 473 010 € |
| Q2 2026 | 90 959 976 € | 655 | 7 038 752 € |
| Q1 2026 | 74 155 461 € | 625 | 4 881 865 € |
| Q4 2025 | 86 800 377 € | 619 | 4 809 139 € |
| Q3 2025 | 88 824 670 € | 604 | 4 637 095 € |
| Q2 2025 | 82 803 738 € | 577 | 6 186 737 € |
| Q1 2025 | 75 745 125 € | 558 | 4 712 620 € |
Source: Tax Board open data — based on VAT returns, may not exactly match revenue in the annual report. Updated quarterly.
Summary of financial statements2021–2025
| 2021 † | 2022 † | 2023 † | 2024 † | 2025 † | |
|---|---|---|---|---|---|
| Sales revenue | 326 177 000 | 390 513 000 | 812 125 000 | 875 700 000 | 684 400 000 |
| Net profit | 53 300 000 | 117 000 000 | 189 400 000 | 198 300 000 | 138 700 000 |
| Retained earnings | 3 900 000 | −32 800 000 | 84 200 000 | −20 900 000 | 70 700 000 |
| Total assets | 13 400 480 000 | 14 857 500 000 | 15 603 000 000 | 15 817 900 000 | 15 951 100 000 |
| Total liabilities | — | — | — | — | — |
| Total equity | 1 508 100 000 | 1 534 900 000 | 1 724 200 000 | 1 628 100 000 | 1 807 700 000 |
| Employees | 2150 | 2210 | 2338 | 2322 | 2528 |
A dash (—) means the report has not been filed or the line is not reported; 0 is a zero stated in the report. † Figures for the marked years come from a report filed as PDF and may be incomplete.
Risks and obligationsAll clear2 for information
- Against the consumer · 06.11.2025
- In favour of the consumer · 30.12.2019
- In favour of the consumer · 02.10.2019
- Against the consumer · 05.06.2019
- + 3 more
Data from public registers, not a credit rating.
Connections graph17 of 20 people
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The graph shows the largest/first people in each role (17 of 20). All connections are listed on the “Related people” card.
State aid and grants
4 recordsState aid and de minimis aid in total 2172 € (2019–2026). Largest grantors: Eesti Töötukassa (1150 €), SA Keskkonnainvesteeringute Keskus (1000 €), Ettevõtluse ja Innovatsiooni Sihtasutus (22 €).
Show all aid records (4)
| Grantor | Purpose | Amount | Date |
|---|---|---|---|
| Eesti Töötukassa | Koolitus VTA | 1150 € | 23.03.2026 |
| SA Keskkonnainvesteeringute Keskus | Muu | 1000 € | 25.04.2023 |
| Ettevõtluse ja Innovatsiooni Sihtasutus | Muu | 13 € | 16.05.2019 |
| Ettevõtluse ja Innovatsiooni Sihtasutus | Muu | 9 € | 13.02.2019 |
Source: State Aid and De Minimis Aid Register (Ministry of Finance). For guarantees and loans the amount is the aid element, not the loan amount. View in the register ↗
Annual reportsPDF, XBRL
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Source: e-Business Register (RIK). Files open/download directly from the official register.
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