Financial Reports of AS SEB banka
Interim Reports
SEB banka consolidated and bank financial reports as at 31 March 2023 (PDF)
Financial Reports of AS SEB banka
Annual Report
Annual report 2022 (PDF)
Sustainability Reports
SEB Latvia Sustainability report 2022 (PDF)
SEB Group Sustainability report 2022 (PDF)
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2022 (PDF)
SEB banka consolidated and bank financial reports as at 30 September 2022 (PDF)
SEB banka consolidated and bank financial reports as at 30 June 2022 (PDF)
SEB banka consolidated and bank financial reports as at 31 March 2022 (PDF)
Financial Reports of SEB Investment Management
Annual Report 2022 (PDF)
Capital Adequacy and Risk Management Report (Pillar 3)
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 December 2022(PDF)
Capital Adequacy and Risk Management Report (Pillar 3) as at 30 June 2022 (PDF)
Financial Reports of AS SEB banka
Annual Reports
Annual report 2021 (PDF)
Sustainability Report
Sustainability report 2021 (PDF)
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2021 (PDF)
SEB banka consolidated and bank financial reports as at 30 September 2021 (PDF)
SEB banka consolidated and bank financial reports as at 30 June 2021 (PDF)
SEB banka consolidated and bank financial reports as at 31 March 2021 (PDF)
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Interim reports
Publiskais pārskats uz 2021. gada 30. jūniju (PDF)
Publiskais pārskats uz 2021. gada 31. martu (PDF)
Financial Reports of SEB Investment Management
Remuneration policy
Remuneration policy and practice in SEB (PDF)
Capital Adequacy and Risk Management Report (Pillar 3) 2021
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 December 2021 (PDF)
Capital Adequacy and Risk Management Report (Pillar 3) as at 30 June 2021 (PDF)
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 March 2021 (PDF)
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2020 (PDF)
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2020 (PDF)
SEB banka consolidated and bank financial reports as at 30 September 2020 (PDF)
SEB banka consolidated and bank financial reports as at 30 June 2020 (PDF)
SEB banka consolidated and bank financial reports as at 31 March 2020 (PDF)
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual reports
Annual accounts for year 2020 (PDF)
Independent auditors’ report on Annual accounts for year 2020 (PDF)
Financial Reports of SEB Investment Management
Annual Report 2020 (PDF)
Remuneration policy
Remuneration policy 2020 (PDF)
Employee remuneration report 2020 (PDF)
Capital Adequacy and Risk Management Report (Pillar 3) 2020
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 December 2020 (PDF)
Capital Adequacy and Risk Management Report (Pillar 3) as at 30 September 2020 (PDF)
Capital Adequacy and Risk Management Report (Pillar 3) as at 30 June 2020 (PDF)
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 March 2020 (PDF)
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2019
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2019
SEB banka consolidated and bank financial reports as at 30 September 2019
SEB banka consolidated and bank financial reports as at 30 June 2019
SEB banka consolidated and bank financial reports as at 31 March 2019
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Annual accounts for year 2019
Independent auditors’ report on Annual accounts for year 2019
Interim Reports
Publiskais pārskats uz 2019. gada 31. decembri
Publiskais pārskats uz 2019. gada 30. septembri
Publiskais pārskats uz 2019. gada 30. jūniju
Publiskais pārskats uz 2019. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2019
Remuneration policy
Capital Adequacy and Risk Management Report (Pillar 3) 2019
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 December 2019
Capital Adequacy and Risk Management Report (Pillar 3) as at 30 September 2019
Capital Adequacy and Risk Management Report (Pillar 3) as at 30 June 2019
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 March 2019
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2018
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2018
SEB banka consolidated and bank financial reports as at 30 September 2018
SEB banka consolidated and bank financial reports as at 30 June 2018
SEB banka consolidated and bank financial reports as at 31 March 2018
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Finanšu pārskats par 2018.gadu
Interim Reports
Publiskais pārskats uz 2018. gada 31. decembri
Publiskais pārskats uz 2018. gada 30. septembri
Publiskais pārskats uz 2018. gada 30. jūniju
Publiskais pārskats uz 2018. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2018
Remuneration policy
Capital Adequacy and Risk Management Reports (Pillar 3)
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 December 2018
Capital Adequacy and Risk Management Report (Pillar 3) as at 30 September 2018
Capital Adequacy and Risk Management Report (Pillar 3) as at 30 June 2018
Capital Adequacy and Risk Management Report (Pillar 3) as at 31 March 2018
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2017
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2017
SEB banka consolidated and bank financial reports as at 30 September 2017
SEB banka consolidated and bank financial reports as at 30 June 2017
SEB banka consolidated and bank financial reports as at 31 March 2017
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Annual accounts for year 2017
Interim Reports
Publiskais pārskats uz 2017. gada 31. decembri
Publiskais pārskats uz 2017. gada 30. septembri
Publiskais pārskats uz 2017. gada 30. jūniju
Publiskais pārskats uz 2017. gada 31. martu
Financial Reports of SEB Investment Managemen
Annual Report 2017
Remuneration policy
Capital Adequacy and Risk Management Reports (Pillar 3)
Capital Adequacy and Risk Management Report (Pillar 3) 2017
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2016
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2016
SEB banka consolidated and bank financial reports as at 30 September 2016
SEB banka consolidated and bank financial reports as at 30 June 2016
SEB banka consolidated and bank financial reports as at 31 March 2016
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Finanšu pārskats par 2016.gadu
Interim Reports
Publiskais pārskats uz 2016. gada 31. decembri
Publiskais pārskats uz 2016. gada 30. septembri
Publiskais pārskats uz 2016. gada 30. jūniju
Publiskais pārskats uz 2016. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2016
Capital Adequacy and Risk Management Reports (Pillar 3)
Capital Adequacy and Risk Management Report (Pillar 3) 2016
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2015
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2015
SEB banka consolidated and bank financial reports as at 30 September 2015
SEB banka consolidated and bank financial reports as at 30 June 2015
SEB banka consolidated and bank financial reports as at 31 March 2015
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Finanšu pārskats par 2015.gadu
Interim Reports
Publiskais pārskats uz 2015. gada 31. decembri
Publiskais pārskats uz 2015. gada 30. septembri
Publiskais pārskats uz 2015. gada 30. jūniju
Publiskais pārskats uz 2015. gada 31. mart
Financial Reports of SEB Investment Managemen
Annual Report 2015
Capital Adequacy and Risk Management Report (Pillar 3) 2015
Capital adequacy and risk management report relates to disclosure in accordance with the CRR (EU Regulation No 575/2013) and CRD IV (Directive No 2013/36/EU).
During 2013, the EU updated its capital requirements legislation in line with the new Basel III Framework. The revised legislation, which embraces the CRR (EU Regulation No 575/2013) and CRD IV (Directive No 2013/36/EU), has been applicable from 1 January 2014. Capital adequacy and risk management report (Pillar 3) 2015 is constructed in accordance with the new Basel III requirements and the Financial and capital market commission regulations on the material of the information, proprietary or confidential information and disclosure periodicity.
Capital adequacy and risk management report provides information on the SEB bank's risk profile, for instance, the amount of operations by customer categories and risk classes that are at the basis of capital adequacy assessment. The report complements the information provided in the 2015 Annual Report.
SEB appreciates the higher transparency resulting from Pillar 3 reports. The quality of our credit portfolio and our internal risk management culture promotes the reduction of risk weighted assets below Basel I requirements. This, however, does not free up capital in the same amount, given the transitional requirements for the assessment of high sensitivity to the business cycle to be conducted by supervisory authorities. The objective of SEB's Capital Policy is to maintain a capital base that is sufficient to address potential risks arising from increased uncertainty in the operational environment.
SEB applies an internal-ratings based (IRB) approach to reporting on the bank's portfolios, corporate customers, mortgage loans and retail exposures, which correspond to 95 % of total risk weighted assets (RWA). Reports on other portfolios are prepared using the standardized approach. SEB will continue applying the IRB approach gradually to the entire retail exposure portfolio.
Since the beginning of 2008, SEB in Latvia has been authorised by the Financial and Capital Market Commission (FCMC) to report on operational risk by means of the Advanced Measurement Approach. With regards to market risk, SEB in Latvia uses the standardized approach for capital but, at the same time, market risk is managed in line with the internal Value at Risk (VaR) Model of SEB Group.
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2014
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2014
SEB banka consolidated and bank financial reports as at 30 September 2014
SEB banka consolidated and bank financial reports as at 30 June 2014
SEB banka consolidated and bank financial reports as at 31 March 2014
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Finanšu pārskats par 2014.gadu
Interim Reports
Publiskais pārskats uz 2014. gada 31. decembri
Publiskais pārskats uz 2014. gada 30. septembri
Publiskais pārskats uz 2014. gada 30. jūniju
Publiskais pārskats uz 2014. gada 31. martu
Financial Reports of SEB Investment Managemen
Annual Report 2014
Annual Report's 2014 attachment
Capital Adequacy and Risk Management Report (Pillar 3) 2014
Capital adequacy and risk management report relates to disclosure in accordance with the CRR (EU Regulation No 575/2013) and CRD IV (Directive No 2013/36/EU).
During 2013, the EU updated its capital requirements legislation in line with the new Basel III Framework. The revised legislation, which embraces the CRR (EU Regulation No 575/2013) and CRD IV (Directive No 2013/36/EU), has been applicable from 1 January 2014. Capital adequacy and risk management report (Pillar 3) 2014 is constructed in accordance with the new Basel III requirements.
Capital adequacy and risk management report provides information on the SEB bank's risk profile, for instance, the amount of operations by customer categories and risk classes that are at the basis of capital adequacy assessment. The report complements the information provided in the 2014 Annual Report.
SEB appreciates the higher transparency resulting from Pillar 3 reports. The quality of our credit portfolio and our internal risk management culture promotes the reduction of risk weighted assets below Basel I requirements. This, however, does not free up capital in the same amount, given the transitional requirements for the assessment of high sensitivity to the business cycle to be conducted by supervisory authorities. The objective of SEB's Capital Policy is to maintain a capital base that is sufficient to address potential risks arising from increased uncertainty in the operational environment.
SEB applies an internal-ratings based (IRB) approach to reporting on the bank's portfolios, corporate customers, mortgage loans and retail exposures, which correspond to 95 % of total risk weighted assets (RWA). Reports on other portfolios are prepared using the standardized approach. SEB will continue applying the IRB approach gradually to the entire retail exposure portfolio.
Since the beginning of 2008, SEB in Latvia has been authorised by the Financial and Capital Market Commission (FCMC) to report on operational risk by means of the Advanced Measurement Approach. With regards to market risk, SEB in Latvia uses the standardized approach for capital but, at the same time, market risk is managed in line with the internal Value at Risk (VaR) Model of SEB Group.
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2013
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2013
SEB banka consolidated and bank financial reports as at 30 September 2013
SEB banka consolidated and bank financial reports as at 30 June 2013
SEB banka consolidated and bank financial reports as at 31 March 2013
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Saīsinātais finanšu pārskats par 2013.gadu
Interim Reports
Publiskais pārskats uz 2013. gada 31. decembri
Publiskais pārskats uz 2013. gada 30. septembri
Publiskais pārskats uz 2013. gada 30. jūniju
Publiskais pārskats uz 2013. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2013
Capital Adequacy and Risk Management Report (Pillar 3) 2013
The Capital Adequacy and Risk Management Report concerns the disclosures required under the Capital Adequacy Directive (CAD) that implemented the Basel II Framework in the European Union. The new regime has been in force in Latvia since 1 January 2008.
During 2013, the EU updated its capital requirements legislation in line with the new Basel III Framework. The revised legislation, which embraces the Capital Requirements Directive (CRD IV) and the Capital Requirements Regulation (CRR 575), has been applicable from 1 January 2014. The full implementation of CAD IV and CRR 575 in SEB in Latvia will be reflected in the Pillar 3 Report for the current year.
SEB applies an internal-ratings based (IRB) approach to reporting on the bank's portfolios, corporate customers, mortgage loans and retail exposures, which correspond to 97 % of total risk weighted assets (RWA). Reports on other portfolios are prepared using the standardized approach. SEB will continue applying the IRB approach gradually to the entire retail exposure portfolio.
Since the beginning of 2008, SEB in Latvia has been authorised by the Financial and Capital Market Commission (FCMC) to report on operational risk by means of the Advanced Measurement Approach. With regards to market risk, SEB in Latvia uses the standardized approach for capital but, at the same time, market risk is managed in line with the internal Value at Risk (VaR) Model of SEB Group.
SEB appreciates the higher transparency resulting from Pillar 3 reports. The quality of our credit portfolio and our internal risk management culture promotes the reduction of risk weighted assets below Basel I requirements. This, however, does not free up capital in the same amount, given the transitional requirements for the assessment of high sensitivity to the business cycle to be conducted by supervisory authorities. The objective of SEB's Capital Policy is to maintain a capital base that is sufficient to address potential risks arising from increased uncertainty in the operational environment.
The Capital Adequacy and Risk Management Report provides information on the risk profile of SEB in Latvia, for example, concerning the volume of transactions by customer category and risk class which forms the basis for the assessment of capital adequacy. The Report supplements the financial statements for 2013.
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2012
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2012
SEB banka consolidated and bank financial reports as at 30 September 2012
SEB banka consolidated and bank financial reports as at 30 June 2012
SEB banka consolidated and bank financial reports as at 31 March 2012
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Saīsinātais finanšu pārskats par 2012.gadu
Interim Reports
Publiskais pārskats uz 2012. gada 31. decembri
Publiskais pārskats uz 2012. gada 30. septembri
Publiskais pārskats uz 2012. gada 30. jūniju
Publiskais pārskats uz 2012. gada 31. martu
Financial Reports of SEB Investment Managemen
Annual Report 2012
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2011
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2011
SEB banka consolidated and bank financial reports as at 30 September 2011
SEB banka condensed consolidated and bank financial reports as at 30 June 2011
SEB banka consolidated and bank financial reports as at 30 June 2011
SEB banka consolidated and bank financial reports as at 31 March 2011
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Saīsinātais finanšu pārskats par 2011.gadu
Interim Reports
Publiskais pārskats uz 2011. gada 31. decembri
Publiskais pārskats uz 2011. gada 30. septembri
Publiskais pārskats uz 2011. gada 30. jūniju
Publiskais pārskats uz 2011. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2011
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2010
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2010
SEB banka consolidated and bank financial reports as at 30 September 2010
SEB banka condensed consolidated and bank financial reports as at 30 June 2010
SEB banka consolidated and bank financial reports as at 30 June 2010
SEB banka consolidated and bank financial reports as at 31 March 2010
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Saīsinātais finanšu pārskats par 2010.gadu
Interim Reports
Publiskais pārskats uz 2010. gada 31. decembri
Publiskais pārskats uz 2010. gada 30. septembri
Publiskais pārskats uz 2010. gada 30. jūniju
Publiskais pārskats uz 2010. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2010
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2009
Interim Reports
SEB banka consolidated and bank financial reports as at 31 December 2009
SEB banka consolidated and bank financial reports as at 30 September 2009
SEB banka condensed consolidated and bank financial reports as at 30 June 2009
SEB banka consolidated and bank financial reports as at 30 June 2009
SEB banka consolidated and bank financial reports as at 31 March 2009
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Saīsinātais finanšu pārskats par 2009.gadu
Interim Reports
Publiskais pārskats uz 2009. gada 31. decembri
Publiskais pārskats uz 2009. gada 30. septembri
Publiskais pārskats uz 2009. gada 30. jūniju
Publiskais pārskats uz 2009. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2009
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2008
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Saīsinātais finanšu pārskats par 2008.gadu
Interim Reports
Publiskais pārskats uz 2008. gada 31. decembri
Publiskais pārskats uz 2008. gada 30. septembri
Publiskais pārskats uz 2008. gada 31. jūliju
Publiskais pārskats uz 2008. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2008
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2007
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Saīsinātais finanšu pārskats par 2007.gadu
Interim Reports
Publiskais pārskats uz 2007. gada 31. decembri
Publiskais pārskats uz 2007. gada 30. septembri
Publiskais pārskats uz 2007. gada 30. jūniju
Publiskais pārskats uz 2007. gada 31. martu
Financial Reports of SEB Investment Management
Annual Report 2007
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2006
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Bilances pārskats 2006. gada 4.ceturksnis
Peļņas vai zaudējumu aprēķins 2006. gada 4.ceturksnis
Publiskais pārskats uz 2006.gada 31. decembri
Saisinātais finanšu pārskats par 2006. gadu
Papildus darbības rādītāji
Financial Reports of SEB Investment Management
Annual Report 2006
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2005
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
Bilance
Peļņas vai zaudējumu aprēķins
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2004
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual reports
Bilance
Peļņas vai zaudējumu aprēķins
Financial Reports of AS SEB banka
Annual Reports
Annual Statement
2003 Auditor Report
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
2003. gada finanšu pārskats
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2002
Auditor Report
SEB companies in Latvia
Financial Reports of SEB Life and Pension Baltic SE
Annual Reports
2002. gada finanšu pārskats
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2001
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 2000
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 1999
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 1998
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 1997
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 1996
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 1995
Financial Reports of AS SEB banka
Annual Reports
Annual Statement 1994