Investor Presentation
Income
Interest income
bln AMD
+18%
+33%
86.1
114.8
73.1
+11%
+9%
39.7
32.7
35.7
Interest income
2021
Interest expense
2022
2023
Non interest income
bln AMD
+237%
-22%
16.0
14
54.0
42.1
Non interest income
2021
Investor Presentation | Ameriabank.am
+25%
+49%
75.0
50.5
40.5
Net interest income
.
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Highlights
Net interest income increased by an
impressive 49% YoY due to both loans
and securities portfolios.
The Bank's NIM outperformed the market
average by 0.6pp and reached 6.6%, up
by 1.2pp.
Net non interest income decreased by
33% YoY mainly because of the high base
effect due to the one-off exceptionally
high income from FX operations in the
first half of 2022.
+354%
-33%
NIM (Net Interest Margin)
6.6%
+35%
+41%
46.1
31.0
5.4%
5.1%
7.9
11.1
10.2
5.9
Non interest expense
2022
Net non interest income
2021
2022
2023
2023
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