{"id":41345,"date":"2024-12-04T10:07:51","date_gmt":"2024-12-04T08:07:51","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=41345"},"modified":"2026-01-13T19:21:16","modified_gmt":"2026-01-13T17:21:16","slug":"kadas-vesmas-2025-gads-nesis-banku-un-finansu-nozarei-latvija","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/kadas-vesmas-2025-gads-nesis-banku-un-finansu-nozarei-latvija\/","title":{"rendered":"K\u0101das v\u0113smas 2025. gads nes\u012bs banku un finan\u0161u nozarei Latvij\u0101?"},"content":{"rendered":"<p>2025. gad\u0101 sagaid\u0101mi noz\u012bm\u012bgi dar\u012bjumi kapit\u0101la tirgos, k\u0101 ar\u012b pl\u0101notas izmai\u0146as atsevi\u0161\u0137os ties\u012bbu aktos, kas tie\u0161i ietekm\u0113s uz\u0146\u0113m\u0113jdarb\u012bbas vidi Latvij\u0101. COBALT aicina klientus iepaz\u012bties ar jaunumiem, lai var\u0113tu piel\u0101goties un sekm\u012bgi darboties main\u012bgajos apst\u0101k\u013cos.<\/p>\n<h4>Saturs<\/h4>\n<ul>\n<li><a href=\"#kapitala-tirgus-tendences\">Latvijas kapit\u0101la tirgus tendences<\/a><\/li>\n<li><a href=\"#pateretaju-aizsardziba\">Jaunumi pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bb\u0101<\/a><\/li>\n<li><a href=\"#aml-sankcijas\">Aktualit\u0101tes AML un sankciju jom\u0101<\/a><\/li>\n<li><a href=\"#maksajumu-pakalpojumi\">Jaun\u0101kais maks\u0101jumu pakalpojumu segment\u0101<\/a><\/li>\n<li><a href=\"#komercilas\">Izmai\u0146as komerc\u0137\u012blu un hipot\u0113ku regul\u0113jum\u0101<\/a><\/li>\n<li><a href=\"#mantosana\">Izmai\u0146as manto\u0161anas jaut\u0101jumos<\/a><\/li>\n<li><a href=\"#finreg\">Inform\u0101ciju par gaid\u0101mo Baltic FinReg Summit 2025 R\u012bg\u0101<\/a><\/li>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<p><a name=\"kapitala-tirgus-tendences\"><\/a><\/p>\n<p>&nbsp;<\/p>\n<h4>Uz\u0146\u0113mumi akt\u012bvi turpin\u0101s piesaist\u012bt l\u012bdzek\u013cus kapit\u0101la tirg\u016b<\/h4>\n<p>2024. gad\u0101 b\u016btiski pieauga uz\u0146\u0113mumu veikto par\u0101da v\u0113rtspap\u012bru emisiju skaits gan regul\u0113taj\u0101 tirg\u016b, gan First North alternat\u012bvaj\u0101 tirg\u016b. Sal\u012bdzino\u0161i \u2013 2024. gada janv\u0101r\u012b Latvijas kapit\u0101la tirgu veidoja 80 korporat\u012bv\u0101s un alternat\u012bv\u0101 tirgus oblig\u0101ciju emisijas, bet 2024. gada beig\u0101s kop\u0113jais emisiju skaits, neskaitot valsts par\u0101da v\u0113rtspap\u012brus, atsevi\u0161\u0137os br\u012b\u017eos p\u0101rsniedza ar\u012b z\u012bm\u012bgo 100 emisiju skaitu.<\/p>\n<p>\u0160obr\u012bd daudzi uz\u0146\u0113mumi akt\u012bvi gatavojas jaun\u0101m emisij\u0101m jau 2025. gada s\u0101kum\u0101. \u0145emot v\u0113r\u0101 potenci\u0101lo un eso\u0161o tirgus dal\u012bbnieku aktivit\u0101ti, arvien pieaugo\u0161a Latvijas emitentu aktivit\u0101te, emit\u0113jot oblig\u0101cijas un t\u0101s iek\u013caujot regul\u0113taj\u0101 vai alternat\u012bvaj\u0101 tirg\u016b, sagaid\u0101ma ar\u012b 2025. gad\u0101. T\u0101pat 2025. gad\u0101 sagaid\u0101mi vair\u0101ki s\u0101kotn\u0113jie publiskie akciju pied\u0101v\u0101jumi (IPO), kuru sagatavo\u0161anas process uzs\u0101kts jau \u0161ogad. \u0145emot v\u0113r\u0101 Eiropas za\u013co oblig\u0101ciju standarta (EuGB) sp\u0113k\u0101 st\u0101\u0161anos 2024. gada beig\u0101s, 2025. gad\u0101 ir iesp\u0113jama ar\u012b Latvij\u0101 pirm\u0101 EuGB emisija ilgtsp\u0113j\u012bgu un ES taksonomijai atbilsto\u0161o m\u0113r\u0137u sasnieg\u0161anai.<br \/>\n<a name=\"pateretaju-aizsardziba\"><\/a><\/p>\n<h4>Jauni ties\u012bbu akti pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas jom\u0101<\/h4>\n<p>2025. gada 28. j\u016bnij\u0101 sp\u0113k\u0101 st\u0101sies Pre\u010du un pakalpojumu piek\u013c\u016bstam\u012bbas likums, kura m\u0113r\u0137is ir nodro\u0161in\u0101t, ka preces un pakalpojumi k\u013c\u016bst pieejam\u0101ki person\u0101m ar invalidit\u0101ti un citiem cilv\u0113kiem ar funkcion\u0101liem trauc\u0113jumiem. Likums uzliks pien\u0101kumu uz\u0146\u0113mumiem piel\u0101got savus pied\u0101v\u0101jumus, lai tos var\u0113tu izmantot, pielietojot da\u017e\u0101dus sensoros kan\u0101lus, piem\u0113ram, redzi, dzirdi vai tausti. \u0160\u012bs izmai\u0146as skars virkni pre\u010du un pakalpojumu, piem\u0113ram, viedt\u0101lru\u0146us, datorprogrammas, bankom\u0101tus, sazi\u0146u finan\u0161u jom\u0101, digit\u0101l\u0101s platformas, u.c. Finan\u0161u iest\u0101d\u0113m b\u016bs j\u0101piel\u0101go pakalpojumu l\u012bgumu teksti, savas digit\u0101l\u0101s platformas un pa\u0161apkalpo\u0161an\u0101s termin\u0101\u013ci, tostarp bankom\u0101ti, un j\u0101nodro\u0161ina tie ar taustes elementiem, audio vadl\u012bnij\u0101m un j\u0101piel\u0101go person\u0101m rati\u0146kr\u0113slos. Finan\u0161u pakalpojumu inform\u0101cijai b\u016bs j\u0101b\u016bt pieejamai alternat\u012bvos form\u0101tos, piem\u0113ram, Braila rakst\u0101, liel\u0101 druk\u0101 vai audio form\u0101t\u0101. Turkl\u0101t b\u016bs j\u0101apm\u0101ca darbinieki, lai efekt\u012bvi sazin\u0101tos ar klientiem ar invalidit\u0101ti, un j\u0101piel\u0101go elektronisko sakaru pakalpojumi, nodro\u0161inot, piem\u0113ram, re\u0101llaika teksta sazi\u0146u papildus balss sazi\u0146ai.<\/p>\n<p>Vienlaikus l\u012bdz 2025. gada 20. novembrim Latvij\u0101 ir j\u0101ievie\u0161 jauna Pat\u0113ri\u0146a kred\u012btl\u012bgumu direkt\u012bva (CCD2), kas attiecas uz maz\u0101ka apm\u0113ra kred\u012btiem un &#8220;P\u0113rc tagad, maks\u0101 v\u0113l\u0101k&#8221; (BNPL) produktiem. \u0160\u012b direkt\u012bva paredz jaunas pras\u012bbas p\u0101rskat\u0101m\u012bbas uzlabo\u0161anai un bezatbild\u012bgas kredit\u0113\u0161anas nov\u0113r\u0161anai, nosaka stingr\u0101kas pras\u012bbas kred\u012btu rekl\u0101m\u0101m un aizliedz izmantot maldino\u0161us formul\u0113jumus, kas var\u0113tu veicin\u0101t neapdom\u012bgu aiz\u0146em\u0161anos. Lai var\u0113tu efekt\u012bvi piem\u0113rot jaun\u0101s pras\u012bbas, komersantiem ir akt\u012bvi j\u0101pl\u0101no groz\u012bjumu izstr\u0101de kredit\u0113\u0161anas proced\u016br\u0101s un laic\u012bgi j\u0101nodro\u0161ina pakalpojumu praktisk\u0101 atbilst\u012bba CCD2 pras\u012bb\u0101m.<br \/>\n<a name=\"aml-sankcijas\"><\/a><\/p>\n<h4>AML jom\u0101 \u2013 sal\u012bdzino\u0161i maz izmai\u0146u; sankciju piem\u0113ro\u0161ana saglab\u0101s savu noz\u012bmi<\/h4>\n<p>2024. gad\u0101 likumdev\u0113js atc\u0113la virkni nesam\u0113r\u012bgu pras\u012bbu AML jom\u0101, piem\u0113ram, ties\u012bbu aktos preciz\u0113jot politiski noz\u012bm\u012bgas personas defin\u012bciju, no t\u0101s izsl\u0113dzot mazb\u0113rnus, k\u0101 ar\u012b paredzot iz\u0146\u0113mumus pakalpojumiem grupas ietvaros. Latvijas Banka pabeidza horizont\u0101lo p\u0101rbaudi par to, k\u0101 lab\u0101k finan\u0161u iest\u0101d\u0113m p\u0101rvald\u012bt risku un uz\u0146emties to. 2025. gads dr\u012bz\u0101k nes\u012bs maz jaunumus \u0161aj\u0101 jom\u0101, iz\u0146emot to, ka Latvija pabeigs Moneyval 6. nov\u0113rt\u0113\u0161anas k\u0101rtu, k\u0101 ar\u012b s\u0101ks gatavoties jaun\u0101s AML regulas izpildei, kas pras\u012bs b\u016btiskus groz\u012bjumus nacion\u0101laj\u0101 tiesiskaj\u0101 regul\u0113jum\u0101.<\/p>\n<p>Savuk\u0101rt sankciju jomas att\u012bst\u012bba ir atkar\u012bga no nenoteiktas \u0123eopolitisk\u0101s situ\u0101cijas. Visticam\u0101k, 2025. gads joproj\u0101m b\u016bs sankciju z\u012bm\u0113, \u0146emot v\u0113r\u0101 Krievijas karu Ukrain\u0101. Latvij\u0101 sagaid\u0101ma sankciju apie\u0161anas direkt\u012bvas ievie\u0161ana, kas, iesp\u0113jams, var paredz\u0113t administrat\u012bv\u0101s atbild\u012bbas ievie\u0161anu maz\u0101k noz\u012bm\u012bgiem p\u0101rk\u0101pumiem sankciju jom\u0101, k\u0101 ar\u012b zi\u0146o\u0161anu par sankcij\u0101m vienai iest\u0101dei, nevis vair\u0101k\u0101m. Nemain\u012bgi paliek riski, kas saist\u012bti ar sankciju apie\u0161anu un p\u0101rk\u0101p\u0161anu, jo \u0161\u012bs darb\u012bbas rada nelikum\u012bgi ieg\u016btus l\u012bdzek\u013cus. \u0145emot v\u0113r\u0101 ar\u012b Latvijas uz\u0146\u0113mumu iesaist\u012b\u0161anos sankciju apie\u0161an\u0101, par ko liecina iest\u0101\u017eu publisk\u0101 komunik\u0101cija, \u0161\u0101du l\u012bdzek\u013cu legaliz\u0101cijas riski tikai pieaugs. Liel\u0101kais izaicin\u0101jums sankciju jom\u0101 finan\u0161u iest\u0101d\u0113m b\u016bs jaun\u0101 zibmaks\u0101jumu regula, kas paredz ierobe\u017eojumu p\u0101rbaud\u012bt zibmaks\u0101jumus pret ES sankciju sarakstiem. Nenoteikt\u012bba jaun\u0101 regul\u0113juma izpild\u0113 joproj\u0101m ir \u013coti liela.<br \/>\n<a name=\"maksajumu-pakalpojumi\"><\/a><\/p>\n<h4>Maks\u0101jumu pakalpojumu jom\u0101 domin\u0113s dro\u0161as un iek\u013caujo\u0161as vides nodro\u0161in\u0101\u0161anas pras\u012bbas<\/h4>\n<p>Jaunais gads maks\u0101jumu jom\u0101 nes\u012bs vair\u0101kas b\u016btiskas p\u0101rmai\u0146as, ko veicina jauni regul\u0113jumi un tehnolo\u0123iskie sasniegumi, kas v\u0113rsti uz dro\u0161\u012bbu un iek\u013caujo\u0161u digit\u0101lo vidi. Viena no noz\u012bm\u012bg\u0101kaj\u0101m izmai\u0146\u0101m ir DORA regulas jeb Digital Operational Resilience Act piln\u012bga ievie\u0161ana no 2025. gada 17. janv\u0101ra, kas uzliek par pien\u0101kumu finan\u0161u iest\u0101d\u0113m stiprin\u0101t digit\u0101l\u0101s darb\u012bbas notur\u012bbu un ar IKT \u0101rpakalpojumiem saist\u012btu risku p\u0101rvald\u012bbu.<\/p>\n<p>Vienlaikus p\u0101reja uz zibmaks\u0101jumiem turpina ieg\u016bt arvien liel\u0101ku noz\u012bmi, k\u013c\u016bstot par jauno maks\u0101jumu standartu vis\u0101 ES. Maks\u0101jumu pakalpojumu sniedz\u0113jiem l\u012bdz 2025. gada 9. janv\u0101rim ir j\u0101nodro\u0161ina zibmaks\u0101jumu sa\u0146em\u0161ana, bet l\u012bdz 2025. gada 9. oktobrim \u2013 zibmaks\u0101jumu nos\u016bt\u012b\u0161anu. Tas veicin\u0101s to \u0101tr\u0101ku ievie\u0161anu banku un maks\u0101jumu pakalpojumu sniedz\u0113ju vid\u016b, k\u0101 ar\u012b samazin\u0101s pakalpojuma izmaksas gan uz\u0146\u0113mumiem, gan pat\u0113r\u0113t\u0101jiem. Turpm\u0101k maks\u0101jumu pakalpojumu sniedz\u0113jiem b\u016bs ar\u012b pien\u0101kums nodro\u0161in\u0101t jaunu pakalpojumu saviem klientiem \u2013 maks\u0101juma sa\u0146\u0113m\u0113ja p\u0101rbaudi (valid\u0101ciju) ar m\u0113r\u0137i mazin\u0101t finan\u0161u kr\u0101p\u0161anas gad\u012bjumu skaitu. \u0160\u012b p\u0101rbaude b\u016bs j\u0101veic ar\u012b maks\u0101jumiem, kas tiek veikti starp da\u017e\u0101diem maks\u0101jumu pakalpojumu sniedz\u0113jiem.<\/p>\n<p>L\u012bdz\u012bgi k\u0101 pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas jom\u0101, ar\u012b maks\u0101jumu pakalpojumu jom\u0101 2025. gads nes\u012bs izaicin\u0101jumus, kas izriet no Pre\u010du un pakalpojumu piek\u013c\u016bstam\u012bbas likuma piem\u0113ro\u0161anas, s\u0101kot ar 2025. gada 28. j\u016bniju. Likums paredz\u0113s pien\u0101kumus veicin\u0101t pre\u010du un pakalpojumu piek\u013c\u016bstam\u012bbu person\u0101m ar invalidit\u0101ti un vis\u0101m person\u0101m, kur\u0101m ir ilgsto\u0161i fiziski, gar\u012bgi, intelektu\u0101li vai ma\u0146u trauc\u0113jumi, un t\u0101 neiev\u0113ro\u0161ana var rad\u012bt ne tikai finansi\u0101las sekas soda veid\u0101, bet ar\u012b kait\u0113t uz\u0146\u0113muma reput\u0101cijai.<\/p>\n<p>T\u0101pat prognoz\u0113jams, ka 2025. gad\u0101 ES pabeigs darbu pie jaun\u0101s Maks\u0101jumu pakalpojumu regulas (PSR) pie\u0146em\u0161anas, kuras m\u0113r\u0137is ir moderniz\u0113t l\u012bdz\u0161in\u0113j\u0101s otr\u0101s p\u0101rskat\u012bt\u0101s maks\u0101jumu pakalpojumu direkt\u012bvas (PSD2) izveidoto ietvaru. Topo\u0161ais regul\u0113jums lielu uzsvaru liks uz stingr\u0101kiem finan\u0161u kr\u0101p\u0161anas nov\u0113r\u0161anas pas\u0101kumiem, kas ir k\u013cuvu\u0161i par noz\u012bm\u012bgu probl\u0113mu glob\u0101li.<br \/>\n<a name=\"komercilas\"><\/a><\/p>\n<h4>Izmai\u0146as komerc\u0137\u012blu un hipot\u0113ku regul\u0113jum\u0101<\/h4>\n<p>2025.\u202fgads gaid\u0101mas izmai\u0146as publiski re\u0123istr\u0113tiem nodro\u0161in\u0101jumiem, komerc\u0137\u012bl\u0101m un hipot\u0113k\u0101m. P\u0113c pozit\u012bv\u0101s Zemesgr\u0101matu pieredzes, beidzot ar\u012b sniedzot dokumentus Komerc\u0137\u012blu re\u0123istr\u0101, pus\u0113m b\u016bs izv\u0113les iesp\u0113ja \u2013 iesniegt tikai komerc\u0137\u012blas l\u012bgumu vai ar\u012b komerc\u0137\u012blas l\u012bgumu kop\u0101 ar dokumentu, no kura izrieto\u0161ie pras\u012bjumi nodro\u0161in\u0101ti ar komerc\u0137\u012blu. \u0160\u012bs izmai\u0146as b\u016btiski mazin\u0101s administrat\u012bvo slogu un izmaksas gad\u012bjumos, kad ar komerc\u0137\u012blu tiek\u202f nodro\u0161in\u0101m\u0101s pras\u012bbas izriet no apjom\u012bgu dar\u012bjumu dokumentiem, kad tie nav sagatavoti latvie\u0161u valod\u0101.<br \/>\nSavuk\u0101rt attiec\u012bb\u0101 uz Zemesgr\u0101mat\u0101m beidzot tiek diskut\u0113ts par valsts nodevas apr\u0113\u0137inu, kas ilgu laiku bija 0,1% no aizdevuma summas, neatkar\u012bgi no dar\u012bjuma strukt\u016bras. Proti, 2025. gad\u0101 ir izredzes, ka Saeima tom\u0113r lems par l\u012bdz\u0161in\u0113j\u0101s 0,1% likmes piel\u0101go\u0161anu konkr\u0113tam dar\u012bjumam, taj\u0101 skait\u0101 ar\u012b atvieglojot aizdevumu refinans\u0113\u0161anas dar\u012bjumus. Papildus v\u0113r\u0161am uzman\u012bbu, ka izsludin\u0101ti Zemesgr\u0101matu likuma groz\u012bjumi, kas ar 2025.\u202fgada 1.\u202fjanv\u0101ri nosaka \u0137\u012blas \u0146\u0113m\u0113jam pien\u0101kumu atkl\u0101t savu paties\u0101 labuma guv\u0113ju (jeb PLG), kas rad\u012bs \u012bpa\u0161us izaicin\u0101jumus juridisk\u0101m person\u0101m un juridiskajiem veidojumiem, kas re\u0123istr\u0113ti \u0101rpus Latvijas vai \u0101rpus Eiropas Savien\u012bbas (piem\u0113ram, \u0101rpus ES re\u0123istr\u0113tam \u0137\u012blas \u0146\u0113m\u0113jam ies\u0101kum\u0101 t\u0101 PLG b\u016bs j\u0101atkl\u0101j Latvijas Republikas Uz\u0146\u0113mumu re\u0123istr\u0101).<br \/>\n<a name=\"mantosana\"><\/a><\/p>\n<h4>Groz\u012bjumi Civillikum\u0101 un Notari\u0101ta likum\u0101 saist\u012bb\u0101 ar b\u016btisk\u0101m izmai\u0146\u0101m manto\u0161anas jom\u0101<\/h4>\n<p>2025. gada 1. janv\u0101r\u012b st\u0101sies sp\u0113k\u0101 groz\u012bjumi Civillikum\u0101 un Notari\u0101ta likum\u0101, kas paredz b\u016btiskas izmai\u0146as manto\u0161anas jom\u0101. Finan\u0161u iest\u0101d\u0113m ir \u012bpa\u0161i noz\u012bm\u012bgi, ka tiek ieviesta ierobe\u017eota mantinieka atbild\u012bba par mantojuma atst\u0101j\u0113ja par\u0101diem, kas l\u012bdz \u0161im bija iesp\u0113jams, piem\u0113rojot invent\u0101ra ties\u012bbu. Tas noz\u012bm\u0113, ka var b\u016bt gad\u012bjumi, kad kred\u012bta dev\u0113jiem var b\u016bt j\u0101samazina kred\u012bta atlikums, ja mantojuma atst\u0101j\u0113ja mantas objekt\u012bv\u0101 v\u0113rt\u012bba ir maz\u0101ka par kred\u012bta atlikumu. Kreditoriem j\u0101piev\u0113r\u0161 uzman\u012bba, vai mantojuma v\u0113rt\u012bba mantojuma sarakst\u0101 ir noteikta objekt\u012bvi, un \u0161im nol\u016bkam kreditors var pras\u012bt zv\u0113rin\u0101tam tiesu izpild\u012bt\u0101jam nov\u0113rt\u0113\u0161anai piesaist\u012bt neatkar\u012bgu v\u0113rt\u0113t\u0101ju. T\u0101pat kreditoriem j\u0101piev\u0113r\u0161 uzman\u012bba, vai nepast\u0101v gad\u012bjumi, kad mantinieks tom\u0113r nebauda ierobe\u017eotu atbild\u012bbu par mantojuma atst\u0101j\u0113ja par\u0101diem (galvojums, l\u012bdzaiz\u0146\u0113m\u0113js). V\u0113l ir virkne neskaidr\u012bbu par jaun\u0101s reformas sek\u0101m, tostarp, k\u0101 praktiski piem\u0113rot jauno regul\u0113jumu atkar\u012bb\u0101 no t\u0101, kad iest\u0101jusies mantojuma atst\u0101j\u0113ja n\u0101ve (materi\u0101lo un procesu\u0101lo ties\u012bbu normu piem\u0113ro\u0161ana laik\u0101).<\/p>\n<p><a name=\"finreg\"><\/a><\/p>\n<h4>Baltic FinReg Summit 2025<\/h4>\n<p>2025. gada 8. apr\u012bl\u012b Hanzas peron\u0101 dev\u012bto reizi norisin\u0101sies finan\u0161u nozares forums <a href=\"https:\/\/www.balticfinreg.eu\/\">Baltic FinReg Summit<\/a>, kur\u0101, pulc\u0113jot vado\u0161os industrijas ekspertus, tiks diskut\u0113ts par aktu\u0101laj\u0101m tendenc\u0113m un izaicin\u0101jumiem Baltijas finan\u0161u sektor\u0101.<\/p>\n<p>Baltic FinReg Summit organiz\u0113 COBALT sadarb\u012bb\u0101 ar Eiropas Invest\u012bciju banku.<\/p>\n<p>Pla\u0161\u0101k par forumu <a href=\"https:\/\/www.balticfinreg.eu\/\">\u0161eit<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025. gad\u0101 sagaid\u0101mi noz\u012bm\u012bgi dar\u012bjumi kapit\u0101la tirgos, k\u0101 ar\u012b pl\u0101notas izmai\u0146as atsevi\u0161\u0137os ties\u012bbu aktos, kas tie\u0161i ietekm\u0113s uz\u0146\u0113m\u0113jdarb\u012bbas vidi Latvij\u0101. COBALT aicina klientus iepaz\u012bties ar jaunumiem, lai var\u0113tu piel\u0101goties un sekm\u012bgi darboties main\u012bgajos apst\u0101k\u013cos. Saturs Latvijas kapit\u0101la tirgus tendences Jaunumi..<\/p>\n","protected":false},"author":9,"featured_media":41363,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"country":[96],"class_list":["post-41345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lv","country-latvia-lv"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>K\u0101das v\u0113smas 2025. gads nes\u012bs banku un finan\u0161u nozarei Latvij\u0101? | COBALT<\/title>\n<meta name=\"description\" content=\"K\u0101das v\u0113smas 2025. gads nes\u012bs banku un finan\u0161u nozarei Latvij\u0101?. News. Naujienos. Jaunumi. 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