Real estate price survey - Smilšu 16

Insolvent credit institution Baltic International Bank SE, reg. No. 40003127883, legal address: Kalēju iela 43, Rīga, LV-1050, administrator Linda Sniega - Svilāne, invites you to submit price offers for the credit institution Baltic International Bank SE, reg. No. 40003127883, owned real estate - 379/500 assumed parts of the real estate at Smilšu street 16, Riga, which consists of an administrative building (cadastre designation 01000080138001) with a total area of ​​3619.9 m² and a plot of land with a total area of ​​1483 m². Property rights are registered in the Riga City Land Registry, section no. 2477 with cadastral no. 0100 008 0138. In the use of credit institution Baltic International Bank SE, the group of premises affected by the building reconstruction project in the basement and 1-5 floors with a total area of ​​2745.25 m², incl. rooms in the basement with an area of ​​22.2 m²; premises on the 1st floor with an area of ​​299.15 m²; premises on the 2nd floor with an area of ​​872.1 m²; premises on the 3rd floor with an area of ​​737.8 m²; premises on the 4th floor with an area of ​​626.3 m²; premises on the 5th floor with an area of ​​187.7 m². Real estate valuation and price below which the real estate is not sold - EUR 1,962,000.00, excluding VAT. The person who has offered the highest price and it will be higher than EUR 1,962,000.00, excluding VAT, will get the right to buy real estate. The price of real estate is subject to value added tax. Information about the auction is available on the website https://www.vestnesis.lv/op/2024/219.IZ17. It is possible to view the real estate in person by pre-arranging the viewing time by calling 67000444 or writing to the e-mail: info@bib.eu. Information on all current auctions of the insolvent credit institution Baltic International Bank SE is available on the website: https://bib.eu/lv/auctions. [gallery size="full" ids="54028,54025,54019,54022,54016,54013,54010,54004,54007,54001,53998,53995,53992,53986,53989,53983" columns="8" link="file"]

Advertisement for Insolvent credit institution Baltic International Bank SE sale of the right of claim   Insolvent credit institution Baltic International Bank SE, Reg. No. 40003127883 (hereinafter - Credit institution), legal address Kalēju iela 43, Riga, LV-1050, represented by administrator Linda Sniega-Svilane, сertificate no. 00379 (hereinafter – the administrator), re-announces that, as part of Baltic International Bank SE insolvency process, it is planned to sell claims secured by a pledge against a company registered in Great Britain - DORIANO LLP, registration number SO304356. The amount of claim rights as of 31.07.2024. – 3,956,166.32 USD.   All persons who wish to make a proposal to purchase the said right of claim are invited to submit a written offer by August 29, 2024 (the date of receipt). Additional information about a claim against DORIANO LLP can be obtained by signing a confidentiality agreement.   The proposal can be submitted to the administrator of the Credit institution by sending (delivering) it to Grecinieku street 6, Riga, LV-1050, or electronically prepared and signed with a secure electronic signature to the email address info@bib.eu.   The proposal for the acquisition of claim rights must state: for a natural person - name, surname, personal identity number, address, contact information (phone number, email address), for legal entities - company name, registration number, legal address, contact person and contact information (phone number, email address); price offer to purchase the right of claim, specifying the proposed purchase price in numerals and words in EUR currency, as well as the payment term.   If the offer meets the overall interests of the Credit Institution's creditors and is accepted by the administrator, the applicant will have to submit documents so that the Credit Institution can carry out checks in accordance with the Law on the Prevention of Money Laundering and Terrorism and Proliferation Financing and/or the Law on International and National Sanctions.

Advertisement for Insolvent credit institution Baltic International Bank SE sale of the right of claim   Insolvent credit institution Baltic International Bank SE, reg . No. 40003127883 (hereinafter - Credit institution), legal address Kalēju iela 43, Riga, LV-1050, represented by administrator Linda Sniega-Svilāne, certificate No. 00379, (hereinafter - the administrator), announces that as part of Baltic International Bank SE insolvency process, it is planned to sell the right of claim secured by a pledge against the company INVESTMENT MONITORING CO.LP, registered in Scotland, reg. No. SL015328, and a citizen of the Russian Federation in the amount of EUR 3,209,840.64 , which follows from the decision of the Riga City Court in in case no. C30871922,which entered in force on November 30, 2023.   All persons who wish to make a proposal to purchase the said right of claim are invited to submit a written offer by September 20, 2024 (the date of receipt) (the price of the offer for the purchase of the right of claim must not be less than EUR 350,000.00). Additional information about the claim against INVESTMENT MONITORING CO.LP and a citizen of the Russian Federation can be obtained by concluding a confidentiality agreement, having previously agreed on the procedure for signing the agreement, by calling +371 67000444 or by email: info@bib.eu .   The proposal can be submitted to the administrator of the Credit institution by sending (delivering) it to Grēcinieku street 6, Riga, LV-1050, or electronically prepared and signed with a secure electronic signature to the email address info@bib.eu .   The proposal for the acquisition of claim rights must state: for a natural person - name, surname, personal identity number, address, contact information (phone number, e-mail address), for legal entities - company name, registration number, legal address, contact person and contact information (phone number, e-mail address); a price offer to purchase the right of claim, specifying the proposed purchase price in numerals and words in EUR currency, as well as the payment term. If the offered offer meets the interests of the Credit Institution's creditors and is accepted by the administrator, the applicant will have to submit documents so that the Credit Institution can carry out checks in accordance with the Law on the Prevention of Money Laundering and Terrorism and Proliferation Financing and/or the Law on International and National Sanctions.

Advertisement for Insolvent credit institution Baltic International Bank SE sale of the right of claim Insolvent credit institution Baltic International Bank SE, reg. No. 40003127883 (hereinafter - Credit institution), legal address Kaleju Street 43, Riga, LV-1050, represented by administrator Linda Sniega-Svilāne (hereinafter - the administrator), announces that as part of Baltic International Bank SE insolvency process, it is planned to sell claims secured by a pledge against a company registered in Spain LUGANO CAPITAL E INVERSIONES SL, reg. No. B66914938. The amount of claim rights as of 30.06.2024. – 4 540 174.40 EUR.   All persons who wish to make a proposal to purchase the said right of claim are invited to submit a written offer by August 9, 2024 (the date of receipt) (the price of the offer for the purchase of the right of claim must not be less than 460 000.00 EUR). Additional information about the claim against LUGANO CAPITAL E INVERSIONES SL can be obtained by concluding a confidentiality agreement.   The proposal can be submitted to the administrator of the Credit institution by sending (delivering) it to Grecinieku Street 6, Riga, LV-1050, or electronically prepared and signed with a secure electronic signature to the e-mail address info@bib.eu.   The proposal for the acquisition of claim rights must state:   for a natural person - name, surname, personal identity number, address, contact information (phone number, e-mail address), for legal entities - company name, registration number, legal address, contact person and contact information (phone number, e-mail address); price offer to purchase the right of claim, specifying the proposed purchase price in numerals and words in EUR currency, as well as the payment term. If the offer meets the interests of the Credit Institution's creditors and is accepted by the administrator, the applicant will have to submit documents so that the Credit Institution can carry out checks in accordance with the Law on the Prevention of Money Laundering and Terrorism and Proliferation Financing and/or the Law on International and National Sanctions.

Dear Client,   Please be informed that the Bank has amended its pricelist regarding payment operations related fees (see attached file Baltic-International-Bank-Pricelist-LAV-2024-09-09 with new Pricelist).   Changes in the pricelist for legal entities will take effect on 09 September 2024. In addition, we would like to point out that you already have the right to use the services specified in the Bank's price list - Early repayment of credit obligations is free of charge, as well the credit obligation refinancing process is free of charge (except for the actual costs). We invite you to consider the mentioned option. In case of any questions, please contact the Bank (phone:  +371 67000444) Baltic-International-Bank-Pricelist-LAV-2024-09-09 Yours truly, Baltic International Bank

Linda Sniega-Svilāne, Administrator in Insolvency Proceedings of the Insolvent Baltic International Bank SE, reg. No. 40003127883, gives notice that the Meeting of Creditors will be held in the Panorama Hall of Wellton Riverside SPA Hotel at 33, 11. Novembra krastmala, Riga on 31 May 2024. Agenda the Meeting of Creditors: Approval of the insolvency proceedings plan. Election of the creditors’ committee. Determining the procedure for the alienation of assets. Determining the amount of the expenses of the insolvency proceedings and the procedure for covering them. Determining the amount of the Administrator’s remuneration and the procedure for covering it. Registration for participation in the Meeting of Creditors will take place at the venue of the Meeting of Creditors from 14:00 hrs to 14:55 hrs on 31 May 2024. The Meeting of Creditors starts at 15:00 hrs. The Meeting of Creditors will be held in Latvian. A creditor has the right to participate in the Meeting of Creditors in person or through an authorized representative. A creditor may authorise no more than one person to represent him or her at the Meeting of Creditors. Creditors who represent no less than one percent of the total amount of all creditors’ claims are entitled to participate in the Meeting of Creditors (as at the day of making this Notice, one percent of the total amount of all creditors’ claims is approximately EUR 799,760.55, which will be further specified on the day of the Meeting of Creditors). According to Part 2, Section 1351 of the Law on Credit Institutions, the administrator invites creditors whose claims do not exceed one percent of the total amount of all creditors’ claims to authorise a joint representative. When registering to participate in the Meeting of Creditors, an identity document must be presented. Creditors who will participate in the Meeting of Creditors through an authorized representative must submit to the Administrator documents confirming their right of representation (unless such documents were submitted together with the creditor’s claim) in a timely manner, but no later than five business days before the Meeting of Creditors in any of the following ways: by sending them as an electronic document, signed with a secure electronic signature and containing a time stamp, in accordance with the Electronic Documents Law to the email address: maksatnespeja@bib.eu; by sending them by registered mail to the address: 6 Grēcinieku Street, Riga, LV-1050; in person at 6 Grēcinieku Street, Riga, on Tuesdays and Thursdays from 10:00 hrs to 12:00 hrs and from 13:00 hrs to 16:00 hrs. The creditor’s representation must be formalized by a notarized and certified power of attorney. All submitted documents must be prepared in Latvian, or if they are prepared in another language, they must be accompanied by a notarized translation into Latvian. Original documents or notarized copies of documents must be submitted in compliance with the requirements of the 1961 Hague Convention Abolishing the Requirement of Legalization for Foreign Public Document. The administrator calls for checking the documents certifying representation and their validity in due time and making sure that they contain the right to represent the relevant creditor in the insolvency proceedings and to vote on the matters included in the agenda of the Meeting of Creditors.

The administrator of the insolvent credit institution Baltic International Bank SE, Linda Sniega - Svilane, announces that in the second auction in a row, a vehicle belonging to the credit institution - BENTLEY TURBO R and real estate - 9040/13673, the supposed parts of the real estate Ieriķu iela 15, Riga, are being sold in an ascending step. consists of a multifunctional building (cadastre designation 01000700939001) with a total area of ​​1532.4 m2 and a plot of land with a total area of ​​1968 m2. Property rights are registered in the Riga City Land Registry, section no. 4247 with cadastral no. 0100 070 2005. In use room group no. 001, 002, 003, 006, 008 and 010 with a total area of ​​904.0 m2. Information about auctions on the website of the credit institution: https://bib.eu/lv/auctions.

Linda Sniega-Svilāne, administrator of the insolvency process, informs that an informative event is planned for March 27, 2024 at 3:00 p.m., where interested parties will be informed about the possibility of purchasing the Credit Institution's property. The event is planned remotely using the online program Zoom. During the event, interested parties will be provided with information about the following property of the Credit Institution: Real estate in the territory of Latvia; Movable property: tractors, vehicles, works of art and objects, safes and fire-proof cabinets; furniture, communication and computer equipment. In case of interest, we invite participants to apply by March 26, 2024, by filling out the participant application form at this link: http://webanketa.lv/forms/6gs3ad9s6mqk8e9k64tpcck4/ The event is planned to be held in Latvian. The link to the event in the Zoom program will be sent to the e-mail indicated in the participant's application form. In case of questions, please contact us by phone + 371 67000444 or e-mail info@bib.eu.

  Ar Ekonomisko lietu tiesas 2024. gada 24. janvāra spriedumu civillietā Nr. C75007524 Baltic International Bank SE, reģistrācijas Nr. 40003127883, ir pasludināta par maksātnespējīgu no 2024. gada 24. janvāra. Par Baltic International Bank SE maksātnespējas procesa administratoru ir apstiprināta Linda Sniega-Svilāne, darbības vieta: Grēcinieku iela 6, Rīga, LV-1050, tālruņa numurs: +371 67000444 (darba dienās no plkst. 09.00 līdz 17.00), elektroniskā pasta adrese: info@bib.eu. Kreditoru prasījumi un citu personu prasības un citas pretenzijas pret maksātnespējīgo Baltic International Bank SE piesakāmi administratoram trīs mēnešu laikā no šī sludinājuma publicēšanas dienas oficiālajā izdevumā “Latvijas Vēstnesis”. Saskaņā ar Kredītiestāžu likuma 139.6 pantu, ja kredītiestādes likvidācijas procesā kreditori ir iesnieguši savus kreditoru prasījumus, pēc kredītiestādes maksātnespējas procesa pasludināšanas tie atkārtoti kreditoru prasījumus kredītiestādes likvidācijas procesā pieteiktajā apmērā neiesniedz. Lai kreditora prasījums tiktu atzīts un iekļauts maksātnespējīgās Baltic International Bank SE kreditoru sarakstā, kuriem novirzāmi naudas līdzekļi, kreditoram – fiziskai personai – nepieciešams iesniegt šādus dokumentus: kreditora prasījuma pieteikumu, kas sagatavots un noformēts (ieteicams izmantot tīmekļa vietnē www.bib.eu pieejamo veidlapu) kā juridiski saistošs dokuments saskaņā ar Latvijas Republikas ārējo normatīvo aktu prasībām un kas satur: faktisko apstākļu izklāstu; kreditora konta numurus Baltic International Bank SE un atmaksājamo naudas līdzekļu apmēru, kas pārrēķināts un norādīts eiro saskaņā ar Eiropas Centrālās bankas noteikto ārvalstu valūtas kursu 2024. gada 24. janvārī; detalizētu paskaidrojumu par naudas līdzekļu izcelsmi; bankas konta numuru, uz kuru pārskaitīt naudas līdzekļus, tajā skaitā norādot IBAN numuru, bankas nosaukumu un bankas SWIFT kodu; informāciju par to, vai kreditors ir uzskatāms par ieinteresēto personu Kredītiestāžu likuma 1. panta pirmās daļas 36. punkta izpratnē; informāciju par to, vai kreditors ir uzskatāms par politiski nozīmīgu personu, politiski nozīmīgas personas ģimenes locekli vai ar politiski nozīmīgu personu cieši saistītu personu Noziedzīgi iegūtu līdzekļu legalizācijas un terorisma un proliferācijas finansēšanas novēršanas likuma 1. panta 18., 181. un 182. punkta izpratnē; kreditora elektroniskā pasta adresi un apliecinājumu, ka kreditors saziņai ar maksātnespējīgo Baltic International Bank SE piekrīt izmantot elektroniskās saziņas veidu un piekrīt Baltic International Bank SE maksātnespējas procesā informāciju/dokumentus saņemt elektroniski; apliecinājumu, ka kreditors un viņa pārstāvis ir informēti un piekrīt, ka maksātnespējīgā Baltic International Bank SE apstrādā viņu personas datus kreditora prasījuma izskatīšanas nolūkiem un citiem pamatotiem nolūkiem Baltic International Bank SE maksātnespējas procesā; dokumentus, kas apstiprina naudas līdzekļu izcelsmi; dokumentus, kas apliecina bankas konta, kas norādīts kreditora prasījuma pieteikumā, uz kuru pārskaitāmi naudas līdzekļi, piederību kreditoram; personu apliecinoša dokumenta, kas ir derīgs Latvijā, kopiju; pilnvaru, ja kreditora prasījumu kreditora vārdā piesaka cita persona. Lai kreditora prasījums tiktu atzīts un iekļauts maksātnespējīgās Baltic International Bank SE kreditoru sarakstā, kuriem novirzāmi naudas līdzekļi, kreditoram – juridiskai personai – nepieciešams iesniegt šādus dokumentus: kreditora prasījuma pieteikumu, kas sagatavots un noformēts (ieteicams izmantot tīmekļa vietnē www.bib.eu pieejamo veidlapu) kā juridiski saistošs dokuments saskaņā ar Latvijas Republikas ārējo normatīvo aktu prasībām un kas satur: faktisko apstākļu izklāstu; kreditora konta numurus Baltic International Bank SE un atmaksājamo naudas līdzekļu apmēru, kas pārrēķināts un norādīts eiro saskaņā ar Eiropas Centrālās bankas noteikto ārvalstu valūtas kursu 2024. gada 24. janvārī; detalizētu paskaidrojumu par naudas līdzekļu izcelsmi; bankas konta numuru, uz kuru pārskaitīt naudas līdzekļus, tajā skaitā norādot IBAN numuru, bankas nosaukumu un bankas SWIFT kodu; informāciju par to, vai kreditors ir uzskatāms par ieinteresēto personu Kredītiestāžu likuma 1. panta pirmās daļas 36. punkta izpratnē; informāciju par aktuālo dalībnieku/akcionāru un patieso labuma guvēju sastāvu, tajā skaitā informāciju par to, vai patiesais labuma guvējs ir uzskatāms par ieinteresēto personu Kredītiestāžu likuma 1. panta pirmās daļas 36. punkta izpratnē un vai patiesais labuma guvējs ir uzskatāms par politiski nozīmīgu personu, politiski nozīmīgas personas ģimenes locekli vai ar politiski nozīmīgu personu cieši saistītu personu Noziedzīgi iegūtu līdzekļu legalizācijas un terorisma un proliferācijas finansēšanas novēršanas likuma 1. panta pirmās daļas 18., 181. un 182. punkta izpratnē; kreditora elektroniskā pasta adresi un apliecinājumu, ka kreditors saziņai ar maksātnespējīgo Baltic International Bank SE piekrīt izmantot elektroniskās saziņas veidu un piekrīt Baltic International Bank SE maksātnespējas procesā informāciju/dokumentus saņemt elektroniski; apliecinājumu, ka kreditors un viņa pārstāvis ir informēti un piekrīt, ka maksātnespējīgā Baltic International Bank SE apstrādā viņa personas datus kreditora prasījuma izskatīšanas nolūkiem un citiem pamatotiem nolūkiem Baltic International Bank SE maksātnespējas procesā; dokumentus, kas apstiprina naudas līdzekļu izcelsmi; dokumentus, kas apstiprina aktuālo dalībnieku/akcionāru un patieso labuma guvēju sastāvu; dokumentus, kas apliecina bankas konta, kas norādīts kreditora prasījuma pieteikumā, uz kuru pārskaitāmi naudas līdzekļi, piederību kreditoram; personas, kura kreditora vārdā piesaka kreditora prasījumu, personu apliecinoša dokumenta, kas ir derīgs Latvijā, kopiju un dokumentus, kas apliecina pārstāvības/pilnvarojuma tiesības; ja kreditors ir nerezidents, tad apliecību par sabiedrības stāvokli (Certificate of Good Standing), kas izdota ne vēlāk kā 30 dienas pirms tās iesniegšanas; ja kreditors ir nerezidents, tad apliecību par sabiedrības pārvaldes institūcijām (Ceritficate of Incumbency), kas izdota ne vēlāk kā 30 dienas pirms tās iesniegšanas; ja kreditors atbilst mikrouzņēmuma, maza vai vidēja izmēra uzņēmuma statusam Kredītiestāžu un ieguldījumu brokeru sabiedrību darbības atjaunošanas un noregulējuma likuma 1. panta pirmās daļas 32. punkta izpratnē, tad dokumentus, kas apliecina atbilstību minētajam statusam; ja kreditors atbilst juridiskā veidojuma statusam Noziedzīgi iegūtu līdzekļu legalizācijas un terorisma un proliferācijas finansēšanas novēršanas likuma 1. panta pirmās daļas 8. punkta izpratnē, tad dokumentus, kas apliecina atbilstību minētajam statusam, kā arī izveidošanas mērķi, struktūru un pārvaldes mehānismu, tajā skaitā patieso labuma guvēju vai personu, kuras interesēs ir izveidots vai darbojas juridiskais veidojums. Visi iesniedzamie dokumenti jāsagatavo latviešu valodā, vai, ja tie sagatavoti citā valodā, tiem jāpievieno notariāli apliecināts tulkojums latviešu valodā. Kreditora prasījuma pieteikumam pievienojami dokumentu oriģināli vai notariāli apliecinātas dokumentu kopijas, ievērojot 1961. gada Hāgas konvencijas par ārvalstu publisko dokumentu legalizācijas prasības atcelšanu prasības. Ja kreditora prasījuma pieteikumam pievieno dokumentu atvasinājumus, administrators ir tiesīgs pieprasīt uzrādīt dokumentu oriģinālus, un kreditoram ir pienākums tos uzrādīt. Administrators ir tiesīgs pieprasīt arī citus dokumentus vai to atvasinājumus, ja tas nepieciešams lēmuma pieņemšanai par kreditora prasījumu. Visi dokumenti iesniedzami, adresējot tos administratoram, jebkurā no šādiem veidiem: nosūtot elektroniska dokumenta, kas parakstīts ar drošu elektronisko parakstu un satur laika zīmogu, formā atbilstoši Elektronisko dokumentu likumam uz elektroniskā pasta adresi: maksatnespeja@bib.eu; nosūtot ierakstītā pasta sūtījumā uz adresi: Grēcinieku iela 6, Rīga, LV-1050; klātienē Grēcinieku ielā 6, Rīgā, otrdienās un ceturtdienās laikā no plkst.10.00 līdz 12.00 un no 13.00 līdz 16.00. Paziņojuma par maksātnespēju publikācija "Latvijas Vēstnesī": https://www.vestnesis.lv/op/2024/20.KM2  Kreditora prasījuma pieteikuma veidlapa  

Dear Clients, On December 12, 2022, the Council of the Financial and Capital Market Commission decided to suspend the provision of financial services at Baltic International Bank SE (Bank), including prohibited the Bank to make debit and credit payments in customers’ accounts in any currency, to issue new loans and to increase the limits of existing loans, including reverse repo transactions. However, the above stated decision does not affect the fulfilment of existing loan and other payment obligations towards Bank. Therefore, all Bank’s clients owing loan or other payment obligations to Bank are obligated to continue to perform all payments that have already occurred and shall occur in future in accordance with the repayment schedules specified in the entered loan agreements, by making future transfers regarding to the fulfilment of their obligations to the following payment details in euro currency only:   Beneficiary: Baltic International Bank SE Registration No. 40003127883 Address: 43 Kaleju Street, Riga, LV-1050 Account No. LV98CBBR1130131400070   Beneficiary’s bank: BluOr Bank AS SWIFT code: CBBRLV22   Payment details for loan obligations: Borrower’s data (Natural person: full name, personal (ID) number (LR residents), date of birth (LR non-residents) / Legal person: official name, registration number) payment according to the Loan Agreement No. ___/___/___ Payment details for card loan limit payments: Borrower’s data (Natural person: full name, personal (ID) number (LR residents), date of birth (LR non-residents) / Legal person: official name, registration number) payment to clear credit card limit according to the Customer Service Agreement No. ___/___/___ Payment details for commissions and other services payments: Payer’s data (Natural person: full name, personal (ID) number (LR residents), date of birth (LR non-residents) / Legal person: official name, registration number) payment according to the Agreement No. ___/___/___ Please note that the account provided accepts only payments for Bank’s services (loan and other obligations fulfilment, as well commissions and fees). Clients, who’s loan and other payment obligations occurred after December 12, 2022 and have been unable to make payment until the date this notice was sent, shall not be a subject to the late-payment penalties set in existing loan agreements.

Dear Clients, In accordance with the requirements laid down in the law, Baltic International Bank SE accepts the Applications on state-guaranteed deposit compensation. To apply for the state-guaranteed compensation, please fill out the Application on state-guaranteed deposit compensation.  Please specify your bank account (IBAN format) set up in the SEPA zone country. You can submit your Application: electronically: in the Internet Banking environment (your DIGIPASS-generated signature is mandatory); electronically: please email the Application to info@bib.eu (your advanced/secure electronic signature is mandatory); in person: please visit Bank (Grēcinieku ielā 6, Riga) to submit your Application; as follows: please mail by post the original notarized and apostilled (it has to be notarized, i.e. signed and certified by a notary public) Application.   APPLICATION   If you have any questions, please contact the Financial and Capital Market Commission (FCMC) regarding: disbursement of state-guaranteed deposit compensations: +371 67022801, transactions with financial instruments: +371 67022807, other questions: +371 67022819, FCMC e-mail: BIB@fktk.lv   A more detailed information is available here https://www.bank.lv/en/operational-areas/customer-protection/information-about-baltic-international-bank-se