Investor Presentation
Improving the quality of life
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A leading bank in Armenia
A leader in the market by key financial indicators
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for almost a decade, offering a window onto the
whole Armenian Economy
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Omni channel distribution platform with focus on
digital products and ecosystems
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Offloading rate* of 98%, cash offloading rate** of
85%, online banking penetration rate of 72%,
rapidly increasing number of monthly active users
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Superior customer and employee experience
High service quality and customer satisfaction
scores, high employee satisfaction and engagement
levels, proven leadership by culture and values
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Best in class ESG practices
Doing business responsibly and promoting ESC
culture, first Green Bond issuer in the country,
best practice corporate governance, professional
Board and experienced management team
Robustness and resilience with significant
growth potential
Sustaining decent performance during
challenging times, post-pandemic accelerated
growth and enhanced financial performance, with
record high profitability
Attractive macro fundamentals
Emerging economy, with proven resilience
towards crises and external shocks, double digit
GDP growth, lowest inflation in the region
Investor Presentation | Ameriabank.am
* Offloading rate or Branch offloading rate - share of transactions performed via distance and digital channels in the total
number of bank's transactions.
"Cash offloading rate share of cashless transactions performed via distance and digital channels (IB, MB, POS/VPOS) in
the total number of transactions
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