Ameriabank: Strategic Milestones and 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
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