Investor Presentation

Core Business Loan portfolio bln AMD 949 Loans to +33% +10% 714 649 419 corporates 39% +27% 262 +26% 330 +38% 530 -1% 387 384 2021 2022 2023 Retail loans Corporate loans Deposits and bonds* bln AMD Loan portfolio breakdown Loans to Highlights The bank is the largest lender to the Armenian economy, with 33% YoY growth of loan book. Total loans' market share reached 19.6%, up by 2pp. Both Corporate and Retail loan portfolios registered strong growth, increasing by 38% and 27% YoY respectively. High share of retail and SME loans (61%) in line with the Bank's universal banking model. individuals Total deposits and bonds increased by 17% YoY due to both time and demand deposits growth. Retail deposits and and SME bonds increased by 29% despite uncertainties deriving from 61% current geopolitical situation. Corporate deposits and bonds bln AMD Retail deposits and bonds bln AMD 359 366 +2% 629 1,026 +25% 2 +17% 286 +23% 876 118 9 89 +29% 85 16 +52% 134 +25% 488 54 712 92 -16% 392 253 387 105 61 111 297 +30% 209 +21% +2% +12% 291 186 261 +59% -12% 230 +29% +57% 486 +7% 520 164 291 +55% 225 309 145 2021 Demand deposits Bonds in local market 2022 2023 Time deposits 2022 2023 2021 2022 2023 2021 Time deposits Demand deposits Time deposits Demand deposits Bonds in local market Bonds in local market 08 Investor Presentation | Ameriabank.am * Bonds in the local market include bonds issued in the local market and sold to Retail and Corporate clients, as well as Fls Λ

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