Ameriabank COVID-19 Response and Financial Highlights

Λ Omni channel Distribution Platform with Focus on Digital Omni-channel distribution platform, with enhanced distance banking capabilities ↑ 172% yoy 94% yoy Internet Banking Users Internet Banking Transactions 0.5% 11.9% ■Branches $ ■Internet banking 59.9% 27.7% Self service channels 33% yoy 27% yoy Payment Terminal Transactions vPOS Transactions ■ Other Online banking penetration rate 43% 34% 24% Offloading ratio* 88% 82% 77% 2018 2019 2020H1 2018 2019 2020H1 20 * Share of transactions performed via distance and digital channels in total number of bank's transactions. 20

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