Investor Presentation
Corporate and Retail Banking
Corporate loans
bln AMD
Retail loans
bln AMD
530
+38%
419
-1%
387
384
162
330
+27%
.
+26%
124
+41%
262
109
+6%
115
91 +36%
+15%
62
•
79
53 +17%
+27%
+37%
368
41
278
-3%
+25%
270
233
+32%
186
141
2021
2022
2023
2021
2022
Large loans
| SME loans (Medium business)
Mortgages Retail business loans
2023
Consumer loans
Finance Lease
bln AMD
+63%
Trade finance (balance / off balance)
bln AMD
81
+18%
46
43
+87%
-6%
68.5
38.3
23.9
+128%
+26%
30.1
23.5
19.9
11
-19%
9
11
-59%
4
+25%
-62%
11
2
2021
2022
2023
2021
2022
2023
Finance lease
Off-Balance sheet LC's
Factoring
Off-Balance sheet guarantees
Balance sheet LC
10
Investor Presentation | Ameriabank.am
•
Highlights
Corporate loans portfolio registered
strong growth of 38% YoY due to both
SME and Large loan portfolios.
Total SME portfolio reached AMD 224b,
increasing by 33.4% YoY.
Trade finance total portfolio (balance and
off balance) increased by 87% YoY due to
high growth of off balance guarantees.
Retail loan portfolio recorded 27%
growth YoY, with significant growth by all
Retail loan types.
AMD 419 b
retail loans
AMD 530 b
corporate loans
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