Investor Presentation

Customer centric digital ecosystems Omni Channel Distribution Platform with Focus on Digital SME platform sme.ameriabank.am people people about bout people bank bank bank bank about people bank out people bout people people bank people bank bank eople bank about E-commerce people about pe Dant ple bank Housing market estate.ameriabank.am about about about about a people abo yueq Yueq edoad a Yueq about people people ba people bank People b bank about bank bank Automarket automarket.ameriabank.am Online banking penetration rate ↑ 57% YoY ↑ 110% YOY Monthly active users by login 51% Share of Digital sales Cash offloading rate** Mobile and Internet Banking Transactions 98% Offloading rate* 85% 74% 72% 70% 63% 62% 56% 46% 2020 2021 19 Investor Presentation | Ameriabank.am 2022 2023 2020 2021 2022 2023 Share of transactions performed via distance and digital channels in the total number of bank's transactions ** Share of cashless transactions performed via distance and digital channels (IB, MB, POS/VPOS) in the total number of transactions. Λ

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