Our story
We are made for SMEs, not adapted for them.
SMEs drive Europe’s economy, but traditional banks too often treat them as secondary.
SME Bank was created to change that with faster financing, simpler daily banking, and a partner who understands the pace of growing businesses.
Safeguard Key benefits
Fast when timing matters
Business does not wait for long approval chains or slow processes. When you need to cover a gap or act on an opportunity, we work to give you a clear answer faster.
Digital, but never distant
You can manage what you need online, but there are real people behind the screen. People who understand that every payment, loan, and decision has a business behind it.
Built around real business moments
Growth is rarely neat. Sometimes it is a delayed payment, a new contract or an unexpected cost. We help with banking and financing that fits the way business actually happens.
Modern regulated and reliable banking
You get the speed and simplicity of a modern financial partner, with the trust and stability of a licensed bank behind it.



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Less Banking



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More Business
Oversight and governance.
Supervisory board
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Marius Svidinskas
Chairman of the supervisory board
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Irmantas Kamienas
Chairman of the supervisory board
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Sven Oliver Hein
Chairman of the supervisory board
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Jurgita Šaučiūnienė
Chairman of the supervisory board
Executive leadership
Management board

Audrius Milukas
Chairman of the board

Raimondas Berniūnas
Member of the board, Chief Executive Officer

Asta Lygnugarytė
Member of the board, Chief Legal Officer

Thorsten Seeger
Member of the board

Paulius Žabinskas
Member of the board
Success stories
We do not build businesses. Our clients do. We stand behind them with the banking and financing support they need to make tough decisions a little easier.
We’ve helped over 300 companies including



