Investor Presentaiton

Λ Key Factors for Choosing a Bank Service rate 2.5 Service quality 2.5 Tariffs 2.4 Staff proficiency 2.4 Convenient location, availability of branch (close to home, workplace, etc.) Diversity of services 2.2 2.1 Cash-in ATM 2.0 Separate servicing of legal and physical entity clients in branches Personal client manager 1.2 Bank image/brand 1.2 Source: 2019 SME research, Ameria CJSC 1.8 COOPERATION WITH BANKS BANK AS IN 2013, SERVICE RATE STILL RANKS FIRST for SMEs among all other factors. SMEs in GYUMRI seem to be THE PICKIEST, especially in terms of tariffs and availability of cash-in ATMs. 28

View entire presentation