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 (22 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

Chairman of the Board, Head of Swedbank

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. Has been working for Swedbank 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

Ede Raagmets

Member of the Board, Head of Customer Service

Ede Raagmets

Head of Customer Service Division. Born in 1972. BA in Industry/Manufacture/Architecture from Tallinn University of Technology. Has been working for Swedbank 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
1997–1998 Banking Technology Specialist, Banking Technology, Hansapank AS
1996–1997 Senior Teller, Hansapank AS
1995–1996 Chief Cashier, Hansapank AS
1994–1995 Senior Cashier, Hansapank AS

Anna Kõuts

Chief Financial Officer in Estonia

Anna Kõuts

CFO of Swedbank. Born in 1976. MA in economics from Tallinn University of Technology. Has been working for Swedbank 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

Member of the Board, Head of Corporate Customer Division

Liisi Himma

Head of Corporate Customer Division. Born in 1983. MA and BA from Tallinn University of Technology in Social Sciences (Finance). Has been working for Swedbank 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
2005–2008 Credit Analyst, Project Manager, Project Financing Department, Swedbank AS
Assistant to the Appraiser, 1Partner Kinnisvara Tallinn OÜ

Tarmo Ulla

Member of the Board, Head of Private Customer Division

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 for Swedbank since 2006.

Work experience:

2019–… Head of Private Banking, Swedbank AS
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, Swedbank AS
2006–2009 Customer Relationship Manager, Small Financing, Consumer Factoring, Swedbank AS
2003–2006 Project Manager, Estonian Conference Centre

Annemari Õunpuu

Member of the Board, Head of Compliance

Annemari Õunpuu

Head of Compliance. Born in 1983. Bachelor's degree in law from the University of Tartu. Has been working for 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

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

Raul Vahtra

Member of the Board, Head of Anti-Financial Crime Division. Professional higher education from Estonian National Defence Academy. Has been working for Swedbank 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 and Boarder Guard Board

Jelena Raid

Member of the Board, Chief Risk Officer

Jelena Raid

Member of the Board, Head of Risk Control. Born in 1978. MSc in information technology from Tallinn Technical University. Has been working for Swedbank since 2007.

Experience:

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

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

Ülle Pind

Head of Human Resources

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. Has been working for Swedbank 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

Head of Legal Divison

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. Has been working for Swedbank 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

Head of Communication & Sustainability, Estonia

Kristiina Herodes

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

Work experience:

2018–… Head of Communications & Sustainability, Swedbank AS
2017–2018 Head of Communications, Ministry of the Interior
2016–2017 Head of Communications, political party Pro Patria
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

Allan Marnot

Head of the Financial Institutions and Capital Markets Division

Allan Marnot

Head of the Financial Institutions and Capital Markets Division in Swedbank. Allan was born in 1968. He graduated with a degree in informatics from the Faculty of Economics of the Tallinn University of Technology. Has worked in Swedbank since 1997.

Employment experience:

2022–… Head of the Financial Institutions and Capital Markets Division, Swedbank AS
2017–2022 Head of Swedbank LC&I Baltic Department of Financial Institutions, Swedbank AS
2014–2017 Head of Swedbank LC&I Finnish and Baltic Department of Financial Institutions, Swedbank AS
2013–2014 Head of Baltic Investment Banking, Swedbank AS
2009–2013 Head of Baltic Sales Support of Swedbank Markets, Swedbank AS
2006–2009 Head of Swedbank Markets Division, Swedbank AS
1998–2006 Interest Products’ Specialist at Hansapank; Head of Interest Products and Derivatives Department of Swedbank Markets, Hansapank AS/Swedbank AS
1997–1998 Head of the Treasury Department, Hansa Liising (Hansa Leasing)
1993–1997 Head of the Treasury Department, Põhja-Eesti Pank (Bank of Northern Estonia)
1991–1993 Specialist and later Manager of the Information and Analysis Department, Balti Ühispank (Union Baltic Bank)

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

Jon Lidefelt

Head of Baltic Banking, Head of the Council

Magnus Olsson

Independent Council Member

Valdur Laid

Independent Council Member

Mustapha Messili

Council Member

Stefan Frisk

Council Member

Anna Peyron

Council Member

Inga Skisaker

Head of Swedbank in Lithuania

Lauris Mencis

Head of Swedbank in Latvia

Olavi Lepp

Head of Swedbank in Estonia

Loreta Lapinskaitė

Head of Channel Management

Andres Tukk

Head of Baltic Banking Segment Management Private

Ieva Vīgante

Head of Corporate Segment, Baltic Banking

Tiina Sepa

Head of Baltic Banking Legal

Linda Nyman

Head of Baltic Banking
Human Resources

Rūta Kinderytė

Business Information Officer for Baltic Banking

Kristina Mikenberg

Head of Risk Management Baltic Banking

Kerstin Pilt

Chief Compliance Officer at Baltic Banking

Kęstutis Vanagas

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

Juris Bogdanovs

Head of Anti Financial Crime

Jon Lidefelt

Head of Baltic Banking

Swedbank in Estonia

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

Swedbank and taxes

Olavi Lepp

Olavi Lepp

Employment experience:

Ede Raagmets

Ede Raagmets

Employment experience:

Anna Kõuts

Anna Kõuts

Employment experience:

Liisi Himma

Liisi Himma

Employment experience:

Tarmo Ulla

Tarmo Ulla

Work experience:

Annemari Õunpuu

Annemari Õunpuu

Employment experience:

Raul Vahtra

Raul Vahtra

Employment experience:

Jelena Raid

Jelena Raid

Experience:

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

Ülle Pind

Ülle Pind

Employment experience:

Riho Roopõld

Riho Roopõld

Employment experience:

Kristiina Herodes

Kristiina Herodes

Work experience:

Allan Marnot

Allan Marnot

Employment experience:

Swedbank AS

Swedbank P&C Insurance AS

Swedbank Life Insurance SE

Swedbank Liising AS

Swedbank Support OÜ

Swedbank Investeerimisfondid AS

Jon Lidefelt

Magnus Olsson

Valdur Laid

Mustapha Messili

Stefan Frisk

Anna Peyron

Inga Skisaker

Lauris Mencis

Olavi Lepp

Loreta Lapinskaitė

Andres Tukk

Ieva Vīgante

Tiina Sepa

Linda Nyman

Rūta Kinderytė

Kristina Mikenberg

Kerstin Pilt

Kęstutis Vanagas

Juris Bogdanovs

Jon Lidefelt

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