Ameriabank COVID-19 Response and Financial Highlights

Λ bln AMD 6.9 bln AMD 5.07 7.07 Profit & loss Net profit margin 34% EBT margin 41% 0.84 2.18 4.80 -0.46 1.10 13.47 1.52 1.01 5.58 4.57 OP OP OP OP 0 CB RB TD IB Other Total OP HR PR Mark & Admin Dep & exp amor EBT Taxes NET PROFIT Admin expenses 16% -1% 8.0 7.9 2Q2018 2Q2019 2Q2020 Structure of admin expenses Rent 3% P&L Structure Depreciation 19% Marketing, Rep. costs and CSR 6% Personnel expenses and Trainings 59% Other 9% Maintenance, communication and utility cost 4% 41

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