In times when the only constant thing is change, Luminor was established – a contemporary new generation bank and financial services provider in Estonia, Latvia and Lithuania.

Luminor is the third-largest provider of financial services in the Baltics, with approximately 1 million clients, 2500 employees, and market share of 16.8% in deposits and 19.5% in lending as at the end of the third quarter of 2019. Total shareholders’ equity amounts to EUR 1.6 billion and Luminor is capitalised with a CET1 ratio of 18.7%.

We are here for local businesses and financially active people with entrepreneurial mindset.

Our journey starts with daring to simplify things. And our curiosity drives the change for a better tomorrow. 

We combined the rich experience of the two leading Nordic banks, Nordea and DNB, with local understanding of our home markets and customer needs. We want to serve all customer groups with a special focus on small and medium-sized companies, as well as affluent private clients.

Our values

Luminor’s brand value lies in its deep relationship with its customers and services. We believe that in the modern world we live and work in, we can establish a strong and customer focused culture based on our core values:

The name 'Luminor' brings together our two most distinctive strengths. The first part of the name helps convey the brand purpose to build a better tomorrow.

Lumin – is the Latin root term for light, and that’s what we aim to be for the customers, businesses, communities and countries we live and operate in: a trustworthy partner that shows a way forward.

The second part of our name, -nor, refers to the organization’s deep roots in its parent Nordic banks. These two qualities have been combined into one name that can act as a guiding star for customers and colleagues alike, reminding them what the brand stands for and why.