Ameriabank COVID-19 Response and Financial Highlights

bln AMD Λ 24% Assets -9% 968 885 780 2018 2019 2Q2020 bln AMD Asset and Liabilities Structure Liabilities and equity 24% -9% 780 968 101 885 106 90 13% 4% 867 780 690 26% -10% 2018 ■TOTAL LIABILITIES 2019 2Q2020 ■ EQUITY Loan portfolio structure by sector Power Structure of assets Real estate Communication 4% 6% Retail trade generation 5% Food and services 1% Manufacturing Other assets 4% Cash and cash equivalent 17% 1% beverage 6% Agriculture, forestry and timber 3% Construction 6% Hotel service. 6% Mining/Metallurgy Transportation Securities 7% 6% Time deposits 33% Other 2% Interbank loans and REPO 5% Loans to retail customers 30% Loans to customers 67% 5% Finance and investment Wholesale 1% trade 18% HIGHLIGHTS 10% YoY decrease in liabilities is due to seasonal outflow of some corporate accounts. Diversified balance-sheet structure with 79% interest earning assets to total assets and 70% customer funds to total liabilities. ■ Maintaining exceptional sectorial diversification of loan portfolio, with balanced exposure to all industries. Structure of liabilities Loans from IFIs 20% Demand deposits 29% Loans from Government 2% Bonds .8% Subordinated debt 5% Other liabilities 2% Deposits and balances from banks 1% 10

View entire presentation