Holm Bank

Holm Bank AS is an Estonian credit institution focused on consumer and merchant financing and savings products, operating under a banking license granted in 2019 by the European Central Bank on the proposal of the Estonian Financial Supervision and Resolution Authority. The bank’s lending activities include unsecured consumer loans and point‑of‑sale hire‑purchase financing offered through partner merchants, while funding is sourced largely from retail fixed‑term deposits available in Estonia and, via EU passporting, in several other European markets directly and through savings marketplaces. It does not position itself as a universal bank; its offering centers on lending and term deposits rather than full transactional banking. Fixed‑term deposits pay a stated rate for a chosen maturity, with early withdrawal typically not permitted; minimum deposit amounts and renewal options apply, and interest‑payment frequencies vary by product. Deposits are protected by the Estonian Guarantee Fund up to €100,000 per depositor per bank, with amounts above that threshold exposed to the bank’s credit risk. Loan pricing is risk‑based and can include arrangement and service fees, and eligibility depends on credit assessment and local legal requirements; identification and onboarding are handled digitally in line with EU AML/KYC rules. The bank publishes capital, liquidity, and risk disclosures in regulatory reports; as a specialized lender, its asset base is concentrated in consumer receivables and its funding relies on term deposits, which shapes its interest‑rate and liquidity profile. Service access is primarily online and via remote support, product terms can differ by country of residence, and customers remain responsible for complying with applicable tax and reporting obligations in their jurisdiction.