Citadele is a universal bank that offers a wide range of banking products to our retail, SME, and corporate customer base. The bank also provides wealth management, asset management, life insurance, pension, leasing, and factoring products. In addition to traditional banking services, Citadele offers a range of services based on next-generation financial technology, including a modern MobileApp, contactless and instant payments, modern client onboarding practices, and technologically-enabled best-in-class customer service. The Group’s main market is the Baltics (Latvia, Lithuania, and Estonia). Citadele’s shareholders are an international group of investors with global experience in the banking sector. 74.2% of shares belong to a consortium of investors led by Ripplewood Advisors LLC and co-investors, 24.7% of shares belong to the European Bank for Reconstruction and Development (EBRD), and 1.1% of shares belong to the management and employees.