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Swedbank in Estonia

Swedbank is the largest bank in Estonia as it has more than 850,000 private and 130,000 business customers

We offer a wide selection of financial services, including accounts, mortgages, insurances, credit cards, loans, pensions and investments, both for private customers and companies. Our goal is to help people and companies keep their finances in order over the long term. We follow three guiding values in all our activities: we are open, simple and caring.

  • We have the largest network of bank offices and ATM-s in Estonia (24 offices and nearly 400 ATM-s) and about 800 „cash-from-store“ service points. Our customers have round-the-clock access to their finances through our consultation centre, internet bank and mobile app.
  • We support and participate in various initiatives that help Estonian society to grow. We aim to promote financial literacy and entrepreneurship and to contribute into social participation through the development of the entire society.

Presentation about Swedbank

Swedbank and taxes

In 2021, Swedbank AS and its subsidiaries paid labour taxes in the amount of EUR 45.1m; thereby remaining among Estonia’s biggest labour tax payers. Swedbank AS and its subsidiaries also paid income tax in the amount of EUR 30.8m.

Swedbank is one of Estonia's biggest tax payers. For the year 2020, Swedbank paid state taxes in the sum of 87 million euros. This means, we paid 41 million euros of corporate income tax and VAT. Last year, the bank contributed 33 million euros through various taxes on labour. Additionally, the bank paid 10 million euros in various regulatory fees and charges in 2020.

Olavi Lepp

Olavi Lepp

Chairman of the Board, Head of Swedbank

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Olavi Lepp

Olavi Lepp

Head of Swedbank Estonia and Chairman of the Board. Born on 1977. BA (cum laude) in Business Administration and Management at Tartu University. Employed since 1997.

Employment experience:

  • 2019–… Head of Swedbank AS and Chairman of the Board
  • 2018–2019 Head of Risk in Swedbank Estonia, Swedbank AS
  • 2016–2018 COO for Group Lending and Payments, Swedbank AS
  • 2010–2015 Head of Product Lifecycle Management Division in Group Payments and Cash Management Unit, Swedbank AS
  • 2009–2010 Head of Payments and Cash Management product unit in Baltic Banking, Swedbank AS
  • 2006–2008 Head of Payments & Cash Management product department in Estonia, Hansapank AS
  • 2000–2006 Product Manager, Hansapank AS
  • 1997–1999 Customer Service Clerk, Hansapank AS
Olavi Lepp

Ede Raagmets

Member of the Board, Head of Customer Service

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Ede Raagmets

Olavi Lepp

Head of Customer Service Division. Born in 1972. BA in Industry/Manufacture/Architecture from Tallinn University of Technology. Employed since 1994.

Employment experience:

  • 2017–… Head of Customer Service Division, Swedbank AS
  • 2014–2016 Director of Consultation Center, Swedbank AS
  • Director of Contact Centre, Swedbank AS
  • 2009–2013 Head of Department, Private Customers Banking and Investment Products, Swedbank AS
  • 2008–2009 Head of Department, Private Customers Banking Products Department, Swedbank AS
  • 2004–2008 Head of Department, Business Technology Department, Hansapank AS
  • 2001–2004 Specialist, Business Technology Department, Hansapank AS
  • 2000–2001 On parental leave
  • 1997–1998 Banking Technology Specialist, Banking Technology, Hansapank AS
  • 1996–1997 Senior Teller, Reisisadama and Kesklinna Branch, Hansapank AS
  • 1995–1996 Chief Cashier, Reisisadama Branch, Hansapank AS
  • 1994–1995 Senior Cashier, Central Cash Depository, Hansapank AS

Anna Kõuts

Chief Financial Officer in Estonia

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Anna Kõuts

Anna Kõuts

CFO of Swedbank. Born in 1976. MA in economics from Tallinn University of Technology. Employed since 1996.

Employment experience:

  • June 2019 - CFO, Swedbank AS
  • 2012 – 2019 Head of Treasury, Swedbank AS
  • 2011 – 2012 Liquidity Manager, Treasury, Swedbank AS
  • 2006 – 2009 Financial Specialist, Treasury, Swedbank AS
  • 1999 – 2004 Private Loan Consultant, Hansapank AS
  • 1996 – 1999 Teller, Hansapank AS
  • 1995 –1996 Secretary, AS Mainor ELT
Liisi Himma

Liisi Himma

Member of the Board, Head of Corporate Customer Division

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Liisi Himma

Liisi Himma

Head of Corporate Customer Division. Born in 1983. MA and BA from Tallinn University of Technology in Social Sciences (Finance). Employed since 2005.

Employment experience:

  • 2017–… Head of Corporate Customer Division, Swedbank AS
  • 2015–2017 Head of Division, Corporate Financing Division, Baltic Banking Corporate Competence Center, Swedbank AS
  • 2013–2014 Head of Department, Baltic Banking Business Analysis Department, Baltic Banking Corporate Competence Center, Swedbank AS
  • 2010–2013 Head of Department, Baltic Banking Credit Portfolio Analysis Department, Baltic Banking Risk Management Division, Swedbank AS
  • 2009–2010 Project Manager, Baltic Financial Restructuring and Recovery Department, Swedbank AS
  • 2008–2009 Credit Analyst, Estonian Credit Risk Department, Swedbank AS
  • Project Manager, Project Financing Department, Swedbank AS
  • 2005–2008 Credit Analyst, Project Financing Department, Swedbank AS
  • Assistant to the Appraiser, 1Partner Kinnisvara Tallinn OÜ
Tarmo Ulla

Tarmo Ulla

Member of the Board, Head of Private Customer Division

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Tarmo Ulla

Tarmo Ulla

Head of Private Banking. Born in 1978. Tarmo holds a master’s degree in business management from Tallinn University of Technology and has been working at Swedbank since 2006.

Work experience:

  • 2019–… Head of Private Banking
  • 2017–2019 Head of Lending Support Division, Baltic Banking Competence Centre, Swedbank AS
  • 2015–2017 Head of Department, Private Consumer Small Financing and Leasing Support, Baltic Banking Competence Centre, Swedbank AS
  • 2013–2015 Head of Department, Private Customer Car Financing, Baltic Banking Competence Centre, Swedbank AS
  • 2011–2013 Head of Department, Private Customer Car Leasing and Hire Purchase, Baltic Banking Competence Centre, Swedbank AS
  • 2009–2011 Head of Partner Relations Department, Swedbank AS
  • 2008–2009 Area Manager, Small Financing Department
  • 2006–2009 Customer Relationship Manager, Small Financing, Consumer Factoring
  • 2003–2006 Project Manager, Estonian Conference Centre
Annemari Õunpuu

Annemari Õunpuu

Member of the Board, Head of Compliance

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Annemari Õunpuu

Annemari Õunpuu

Head of Compliance. Born in 1983. Bachelor's degree in law from the University of Tartu. At Swedbank since 2008.

Employment experience:

  • 2022– … Head of Compliance, Swedbank AS
  • 2014–2022 Head of Credit Relations Legal Department, Swedbank AS
  • 2012–2014 Corporate counsel, advising on Regulatory Affairs, Swedbank AS
  • 2010–2012 Lawyer in Financial Restructuring and Recovery Department, Swedbank AS
  • 2008–2010 Lawyer in Litigation Department, Swedbank AS
  • 2006–2008 law clerk, Harju County Court
  • 2004–2006 law clerk, Tallinn Court of Appeal
Raul Vahtra

Raul Vahtra

Member of the Board, Head of Anti-Financial Crime Division

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Raul Vahtra

Raul Vahtra

Member of the Board, Head of Anti-Financial Crime Division. Professional higher education from Estonian National Defence Academy. Employed since 2020.

Employment experience:

  • 2021– … Head of Anti-Financial Crime Division, Swedbank AS
  • 2020–2021 Head of Risk management, Swedbank AS
  • 2013–2020 Head of Internal Control Bureau, Estonian Police and Border Guard Board
  • 2004–2013 Head of Estonian FIU, Estonian Police and Border Guard Board
  • 2002–2004 Head of Unit at the Department of Special Operations, Central Criminal Police
  • 1997–2002 Criminal investigator at the Organized Crime Department, Central Criminal Police
  • 1994–1997 Policeman at the Police board
Jelena Raid

Jelena Raid

Member of the Board, Chief Risk Officer

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Jelena Raid

jelena-raidtitle

Member of the Board, Head of Risk Control. Born in 1978. MSc in information technology from Tallinn Technical University. In Swedbankis from 2007.

Experience:

  • 2022–... Chief Risk Officer, Swedbank AS
  • 2019–2022 Head of Swedbank Group model risk and validation division
  • 2013–2018 Head of Risk Control Group Products and Digital Banking
  • 2011–2012 Head of Operational risk department, Swedbank AS
  • 2007–2010 Baltic Banking credit risk control division, programm manager
  • 2003–2007 Eesti Haigekassa, Head of system development department
  • 2001–2003 Eesti Haigekassa, project manager
  • 1999–2001 Ühispank risk management department, analyst


In addition to Swedbank Board members, Swedbank Management consist of:

Ülle Pind

Ülle Pind

Head of Human Resources

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Ülle Pind

Ülle Pind

Head of Human Resources. Born in 1967. MA in Organizational Behavior from University of Tallinn, BA in Public Relation and Communication from University of Tartu. Employed since 2015.

Employment experience:

  • 2015–… Head of Human Resources, Swedbank AS
  • 2009–2015 Head of Human Resources, Ericsson Supply Site Tallinn
  • 2007–2009 Human Resource Manager, Elqoteq AS
  • 2003–2007 Human Resource Manager, Stora Enso Timber AS, Baltic Production Group
  • 1998- 2003 Secretary, Human Resource Manager, Paikuse Sawmill
Riho Roopõld

Riho Roopõld

Head of Legal Divison

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Riho Roopõld

Riho Roopõld

Head of Legal Divison. Born in 1973. MA of Legal from The Private School of Social Sciences Veritas and additional master degree courses in University of Tartu. Graduated Police School of Paikuse. Employed since 2008.

Employment experience:

  • 2008–… Head of Legal Division, Swedbank AS
  • 1999–2008 lawyer, Head of Legal Department subdivision and Head of Department. Estonian Tax and Customs
  • 1996–1998 security division, Ühispank
  • 1991–1995 district constable; criminal investigator; commissar, Police Prefecture in Harju
Kristiina Herodes

Kristiina Herodes

Head of Communication & Sustainability, Estonia

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Kristiina Herodes

Kristiina Herodes

Head of Communications. Born in 1975. Kristiina holds a bachelor’s degree in journalism from the University of Tartu and has been working at Swedbank since 2018.

Work experience:

  • 2018–… Head of Communications, Swedbank AS
  • 2017–2018 Head of Communications, Ministry of the Interior
  • 2016–2017 Head of Communications, political party Pro Patria
  • 2013–2015 2014–2016 PR Consultant, public relations company Peegel ja Partnerid
  • 2011–2014 Advisor, Estonian Ministry of Foreign Affairs
  • 2008–2011 Justice Spokesperson, EULEX – European Union Rule of Law Mission, Kosovo
  • 2003–2008 Head of Public Relations Division, Office of the Prosecutor General
  • 1999–2003 Press Spokesperson, Ministry of Finance

Swedbank AS

  • Address: Liivalaia 8, Tallinn, EE-15040, Estonia
  • Registration number: 10060701
  • Telephone: +372 631 0310
  • E-mail: info@swedbank.ee

Swedbank P&C Insurance AS

  • Address: Liivalaia 8, Tallinn, EE-10118, Estonia
  • Registration number: 11269248
  • Telephone: +372 888 1513
  • E-mail: varakindlustus@swedbank.ee

Swedbank Life Insurance SE

  • Address: Liivalaia 8, Tallinn, EE-10118, Estonia
  • Registration number: 10142356
  • Telephone: +372 613 1606
  • E-mail: elukindlustus@swedbank.ee

Swedbank Liising AS

  • Address: Liivalaia 8, Tallinn, EE-15039, Estonia
  • Registration number: 10434248
  • Telephone: +372 613 1324
  • E-mail: liising@swedbank.ee

Swedbank Support OÜ

  • Address: Liivalaia 8, Tallinn, EE-10118, Estonia
  • Registration number: 10425396
  • Telephone: +372 613 1422
  • E-mail: firma@swedbank.ee

Swedbank Investeerimisfondid AS

  • Address: Liivalaia 8, Tallinn, 15040, Estonia
  • Registration number: 10194399
  • Telephone: +372 613 1606
  • E-mail: funds@swedbank.ee
  • More
<h3>Jon Lidefelt</h3>
      <p>Head of Baltic Banking, Head of the Council</p>

Jon Lidefelt

Head of Baltic Banking, Head of the Council

<h3>Tiina Sepa</h3>
      <p>Head of Baltic Banking Legal, Deputy Chair of the Council</p>

Tiina Sepa

Head of Baltic Banking Legal, Deputy Chair of the Council

<h3>Tarmo Pajumets</h3>
      <p>IT Senior Advisor, CIO Office, Council Member</p>

Tarmo Pajumets

IT Senior Advisor, CIO Office, Council Member

<h3>Magnus Olsson</h3>
      <p>Independent Council Member</p>

Magnus Olsson

Independent Council Member

<h3>Valdur Laid</h3>
      <p>Independent Council Member</p>

Valdur Laid

Independent Council Member

<h3>Mustapha Messili</h3>
      <p>Council Member</p>

Mustapha Messili

Council Member

<h3>Jon Lidefelt</h3>
      <p>Head of Baltic Banking</p>

Jon Lidefelt

Head of Baltic Banking

Inga Skisaker

Head of Swedbank in Lithuania

<h3>Olavi Lepp</h3>
      <p>Head of Swedbank in Estonia</p>

Olavi Lepp

Head of Swedbank in Estonia

<h3>Loreta Lapinskaitė</h3>
      <p>Head of Channel Management</p>

Loreta Lapinskaitė

Head of Channel Management

<h3>Andres Tukk</h3>
      <p>Head of Baltic Banking Segment Management Private</p>

Andres Tukk

Head of Baltic Banking Segment Management Private

<h3>Ieva Vīgante</h3>
      <p>Head of Corporate Segment, Baltic Banking</p>

Ieva Vīgante

Head of Corporate Segment, Baltic Banking

<h3>Tiina Sepa</h3>
      <p>Head of Baltic Banking Legal</p>

Tiina Sepa

Head of Baltic Banking Legal

<h3>Linda Nyman</h3>
      <p>Head of Baltic Banking<br/> Human Resources</p>

Linda Nyman

Head of Baltic Banking
Human Resources

<h3>Rūta Kinderytė</h3>
      <p>Business Information Officer for Baltic Banking</p>

Rūta Kinderytė

Business Information Officer for Baltic Banking

<h3>Kristina Mikenberg</h3>
      <p>Head of Risk Management Baltic Banking</p>

Kristina Mikenberg

Head of Risk Management Baltic Banking

<h3>Kerstin Pilt</h3>
      <p>Chief Compliance Officer at Baltic Banking</p>

Kerstin Pilt

Chief Compliance Officer at Baltic Banking

<h3>Kęstutis Vanagas</h3>
      <p>Head of Communication and Sustainability at Swedbank Lithuania, Baltic Banking Communication coordinator</p>

Kęstutis Vanagas

Head of Communication and Sustainability at Swedbank Lithuania, Baltic Banking Communication coordinator

<h3>Juris Bogdanovs</h3>
      <p>Head of Anti Financial Crime</p>

Juris Bogdanovs

Head of Anti Financial Crime

<h3>Lauris Mencis</h3>
      <ul class="plain-list">
        <li>Acting Head of Swedbank in Latvia</li>
      </ul>

Lauris Mencis

  • Acting Head of Swedbank in Latvia
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Swedbank
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