Ameriabank COVID-19 Response and Financial Highlights

bln AMD bln AMD Λ 543 Loan portfolio 6.5% 578 1.1% 584 120 178 205 48% 15% Loans to 422 -5% -5% 400 379 2018 2019 2Q2020 Corporate loans ■Retail loans Deposit & bonds 44% -15% 643 50 445 255 46 33% 191 63% 338 208 2018 2019 547 60.2 259 ཧོ། ནྟི། -33% 228 2Q2020 ■Demand deposits Time deposits Bonds in local market bln AMD corporates 49% Loan portfolio breakdown Corporate deposits & bonds 69% 330 3 82 -33% 221 195 8 3 57 43% 1% 83 245 82% 134 11 -47% 130 Core Business Loans to individuals and SME 51% ■ HIGHLIGHTS Increased share of retail and SME loans (51%) in line with the Bank's strategy to move to more universal banking model. The latter also explains 15% growth of Retail lending with slightly decreasing corporate loan book. 44% increase as of Q4 2019 and 15% decrease in 2Q2020 of total deposits and bonds portfolio is mainly due seasonality. Time deposit portfolio of both Corporate and Retail slightly increased despite COVID-19 economic impact. ■ Leading the local corporate bond market with 23% market share. bln AMD Retail deposits & bonds 26% 3% 306 317 39 43.0 244 36 173 176 29% 2% 134 27% 4% 93 97 74 2018 2019 2Q2020 2018 2019 2Q2020 ■Demand deposits ■Time deposits Bonds in local market ■Demand deposits Time deposits Bonds in local market

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