INDEXO Group
structure
INDEXO’s goal is to become the leading local financial group in Latvia by creating trustworthy and modern financial solutions.
IPAS Indexo
Henriks Karmo
- Board member of Goindex, UAB
- Dagny OÜ, director
- OÜ Capital Coordination, director
- Tulundusühistu Tuleva, council member
- Beacon Properties OÜ, member of the board
Marija Černoštana
Areas of responsibility:
Risk management and operational compliance, data protection, legal issues and record keeping, sustainability
Professional work experience:
More than 20 years of experience working in a financial institution, providing legal support in the field of the financial market
Education:
LLM, Master of International and European Law, Riga Graduate School of Law
Legal qualification, University of Latvia
Positions in other companies:
AS INDEXO Bank, Head of the Legal Department
Number of IPAS Indexo shares:
560 (0.01 %) as of 31.12.2025.
Artūrs Roze
Areas of responsibility
IPAS Indexo asset management, IT, sales, quality control, customer service
Professional work experience:
10 years of experience in leading financial companies in Latvia
Education:
Bachelor's degree in economics and business management (SSE Riga)
Information about positions in other companies:
Member of the board of SIA "R cap"
Number of shares owned/controlled by IPAS "Indexo":
6643 (0.07 %) as of 31.12.2025.
Valdis Vancovičs
- Executive MBA (IEDC Bled School of Management)
- Master's Degree in Telecommunications (RTU)
- Bachelor's Degree in Electrical Science and Telecommunications (RTU)
- BICG Corporate Governance Certificate
- Board member and vice-president of the "Latvijas Telekomunikāciju asociācija" association
Svens Dinsdorfs
- Master's degree in international business and economics with a specialty in finance (SSE Riga)
- Bachelor's degree in economics and business (SSE Riga)
- Director of AS "ELKO Grupa".
- Member of the Audit Committee of AS "Latvenergo".
Renāts Lokomets
- Master's degree in law and finance (Riga Law School)
- MBA in finance and IT (The Hebrew University of Jerusalem)
- Bachelor's degree in Economics, Journalism and Communications (The Hebrew University of Jerusalem)
- Member of the board of Summus Capital
- Member of the board of HALOM HOLDINGS, SIA
- Member of the LTRK Startup Council
- Member of the board of the Riga Jewish community
Mārtiņš Jaunarājs
Areas of responsibility:
Financial market matters
Professional work experience:
Business management professional with over 30 years of experience in Latvia's finance and technology sectors
Education:
- Master's degree in business administration (LU)
- Certificate of financial analyst from the CFA Institute
Information about positions in other companies:
- Chairman of the Council at Pure Chocolate SIA
- Liquidator at BaltCap Latvia Venture Capital Fund KS
- Member of the Board at Sapratix SIA
- Member of the Board at Agenda Capital SIA
Number of shares owned/controlled by IPAS "Indexo":
57591 (0.58 %) as of 31.12.2025.
Svens Dinsdorfs
- Master's degree in international business and economics with a specialty in finance (SSE Riga)
- Bachelor's degree in economics and business (SSE Riga)
- Director of AS "ELKO Grupa".
- Member of the Audit Committee of AS "Latvenergo".
Renāts Lokomets
- Master's degree in law and finance (Riga Law School)
- MBA in finance and IT (The Hebrew University of Jerusalem)
- Bachelor's degree in Economics, Journalism and Communications (The Hebrew University of Jerusalem)
- Member of the board of Summus Capital
- Member of the board of HALOM HOLDINGS, SIA
- Member of the LTRK Startup Council
- Member of the board of the Riga Jewish community
Leo Ašmanis
Areas of responsibility:
External and internal audit
Professional work experience:
A professional with more than 15 years of experience in internal audit
Education:
- Professional qualification certificate of Internal Auditor – Certified Internal Auditor
- Sworn Auditor of the Republic of Latvia
- Bachelor’s degree in Management Science (University of Latvia)
Information about positions in other companies:
AS Latvenergo — Director of Internal Audit
Number of shares owned/controlled by IPAS "Indexo":
-
Indexo Atklātais Pensiju Fonds AS
Gints Ozoliņš
Area of responsibility:
INDEXO Banka: IT management, Information systems development, maintenance and security
INDEXO Atklātais Pensiju Fonds AS: IT, business process and data analysis functions
Professional work experience:
IT and management professional with 25 years of IT experience and more than 15 years of management experience
Education:
Master of Computer Science (University of Latvia)
Information about positions in other companies:
-
Number of shares owned/controlled by IPAS "Indexo":
16 000 (0.16 %) as of 31.12.2025.
Jūlija Samoilova
Areas of responsibility:
Accounting and asset accounting, sales, marketing, record keeping function
Professional work experience:
More than 16 years of experience in the Latvian commercial banking sector, including working as chief accountant at Expobank, AS.
Education:
University of Latvia, Faculty of Economics and Management, second-level professional study program, economist qualification.
Information about positions in other companies:
Chief accountant of INDEXO Banka, AS
Chief accountant of IPAS INDEXO, AS
Number of shares owned/controlled by IPAS "Indexo":
1000 (0.01 %) as of 31.12.2025.
Henriks Karmo
- Board member of Goindex, UAB
- Dagny OÜ, director
- OÜ Capital Coordination, director
- Tulundusühistu Tuleva, council member
- Beacon Properties OÜ, member of the board
Ivita Asare
Areas of responsibility:
INDEXO Banka: Finance, asset and liability management, accounting, capital and liquidity management, legal affairs, record keeping, human resource management, transaction assurance
INDEXO Atklātais Pensiju Fonds AS: Management, accounting, NILLTPFN and sanctions management, risk management and operational compliance, data protection, legal issues, record keeping and sustainability
Professional work experience:
Management-level professional with more than 20 years of experience in the banking industry
Education:
- Master's degree in Business Management (RTU)
- Bachelor's degree in economics and business (SSE Riga)
Information about positions in other companies:
Member of the board of the association "Handbola skola".
Number of shares owned/controlled by IPAS "Indexo":
3400 (0.03 %) as of 31.12.2025.
INDEXO Banka AS
Valdis Siksnis
- Executive MBA (Aalto University)
- Bachelor's Degree in Computer Science and Applied Mathematics (LU)
- Board member of VSCAP, SIA
- Callidus Capital, Ltd. consultant
- Member of the Council of the Latvijas Basketbola Savienība
Ivita Asare
Areas of responsibility:
INDEXO Banka: Finance, asset and liability management, accounting, capital and liquidity management, legal affairs, record keeping, human resource management, transaction assurance
INDEXO Atklātais Pensiju Fonds AS: Management, accounting, NILLTPFN and sanctions management, risk management and operational compliance, data protection, legal issues, record keeping and sustainability
Professional work experience:
Management-level professional with more than 20 years of experience in the banking industry
Education:
- Master's degree in Business Management (RTU)
- Bachelor's degree in economics and business (SSE Riga)
Information about positions in other companies:
Member of the board of the association "Handbola skola".
Number of shares owned/controlled by IPAS "Indexo":
3400 (0.03 %) as of 31.12.2025.
Jānis Mūrnieks
Areas of Responsibility:
Development of personal lending and daily service products, customer service
Professional Work Experience:
A professional with over 20 years of experience in the financial sector. Has held various leadership positions in Latvian and international banks.
Education:
- Master’s degree in Business Administration (RTU Riga Business School)
- Bachelor’s degree in Economics with a specialization in banking
Information about positions in other companies:
–
Number of shares owned/controlled in IPAS “Indexo”:
1305 (0.01 %) as of 31.12.2025.
Ieva Bauma
Areas of responsibility:
Branding, Marketing, Public and Investor Relations
Professional work experience:
Professional with more than 5 years of experience in marketing and communication
Education:
- Master's Degree in Business and Management (RTU)
- Bachelor's Degree in Financial Engineering (RTU)
Information about positions in other companies:
-
Number of shares owned/controlled by IPAS "Indexo":
5 594 (0.06 %) as of 31.12.2025.
Gints Ozoliņš
Area of responsibility:
INDEXO Banka: IT management, Information systems development, maintenance and security
INDEXO Atklātais Pensiju Fonds AS: IT, business process and data analysis functions
Professional work experience:
IT and management professional with 25 years of IT experience and more than 15 years of management experience
Education:
Master of Computer Science (University of Latvia)
Information about positions in other companies:
-
Number of shares owned/controlled by IPAS "Indexo":
16 000 (0.16 %) as of 31.12.2025.
Evija Stūrmane
Areas of responsibility:
Operational compliance, AML/CFT and sanctions management, data protection
Professional work experience:
Experienced manager with over 20 years of work experience in the financial sector. The last years of her professional life have been dedicated to the development and implementation of AML/CFT, Sanctions and KYC processes in Latvian credit institutions.
Education:
- CAMS certificate;
- Bachelor's degree in business administration
Information about positions in other companies:
-
Number of shares owned/controlled by IPAS "Indexo"
13 (0.0001 %) as of 31.12.2025.
Toms Grīnbergs
Areas of Responsibility:
Bank Risk Management Department.
Professional Work Experience:
Risk management professional with 17 years of experience in the financial sector.
Education:
- Master’s degree in Economics and Business (Erasmus University)
- Bachelor’s degree in Economics (University of Latvia)
Information about positions in other companies:
–
Number of shares owned/controlled in IPAS “Indexo”:
100 (0.001 %) as of 31.12.2025.
Valdis Vancovičs
- Executive MBA (IEDC Bled School of Management)
- Master's Degree in Telecommunications (RTU)
- Bachelor's Degree in Electrical Science and Telecommunications (RTU)
- BICG Corporate Governance Certificate
- Board member and vice-president of the "Latvijas Telekomunikāciju asociācija" association
Svens Dinsdorfs
- Master's degree in international business and economics with a specialty in finance (SSE Riga)
- Bachelor's degree in economics and business (SSE Riga)
- Director of AS "ELKO Grupa".
- Member of the Audit Committee of AS "Latvenergo".
Zlata Elksniņa-Zaščirinska
Areas of responsibility:
Finance, risk management, regulation, and strategic leadership
Professional experience:
An experienced senior executive with more than 20 years of professional experience in tax, legal, regulatory, business, and financial advisory fields
Education
- Master’s degree in Economics (University of Latvia)
- BICG supervisory board member training
- FCCA qualification
Information about positions in other companies:
- Deputy Chair of the Board, Foreign Investors’ Council in Latvia (FICIL)
- Chair of the Supervisory Board, VAS Latvijas Dzelzceļš
Number of shares owned/controlled in IPAS “Indexo”:
-
Renāts Lokomets
- Master's degree in law and finance (Riga Law School)
- MBA in finance and IT (The Hebrew University of Jerusalem)
- Bachelor's degree in Economics, Journalism and Communications (The Hebrew University of Jerusalem)
- Member of the board of Summus Capital
- Member of the board of HALOM HOLDINGS, SIA
- Member of the LTRK Startup Council
- Member of the board of the Riga Jewish community
Mārtiņš Jaunarājs
Areas of responsibility:
Financial market matters
Professional work experience:
Business management professional with over 30 years of experience in Latvia's finance and technology sectors
Education:
- Master's degree in business administration (LU)
- Certificate of financial analyst from the CFA Institute
Information about positions in other companies:
- Chairman of the Council at Pure Chocolate SIA
- Liquidator at BaltCap Latvia Venture Capital Fund KS
- Member of the Board at Sapratix SIA
- Member of the Board at Agenda Capital SIA
Number of shares owned/controlled by IPAS "Indexo":
57591 (0.58 %) as of 31.12.2025.
