Investor Presentaiton

Source: 2019 SME research, Ameria CJSC Λ Assessment of Cooperation with Banks 86% of all SMEs mentioned about cooperation with banks (use of a certain a banking product) DURING THE RECENT 3 YEARS. There is NO SIGNIFICANT CHANGE in the share of SMEs using banking products compared to 2013. Per size Micro Small COOPERATION WITH BANKS Per cities 00% 95% 86% 87% 87% 79% 81% 86% The LARGER THE SME, the more it is likely to COOPERATE WITH BANKS. Medium Yerevan 26 Gyumri Vanadzor Armavir/Vaghar shapat BANK

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