Ameriabank COVID-19 Response and Financial Highlights
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Interest income
16%
8%
12%
8%
31.8
29.4
25.3
21%
8%
15.7
16.1
14.6
14.9
13.0
12.3
Interest income
■2Q2018
Interest expense
■2Q2019
Net interest income
2Q2020
-5%
2%
5.9
5.6
5.7
Non interest income
35%
12%
2.3
2.1
1.6
-19%
-4%
Income
HIGHLIGHTS
Net interest income increased
by 8% YoY, mainly due to
significantly higher interest
income, which is a result of
increased share of Retail and
SME loans in total portfolio.
Net interest margin decreased
by 0.2pp comprising 4.6%
mainly due to credit vacations
granted to customers and
additional liquidity buffers amid
COVID-19.
Net non interest income
remained stable in 2Q2020.
NIM (Net Interest Margin)
4.8%
4.8%
4.3
4.6%
3.5
3.4
Non interest income
2Q2018
Non interest expense
■2Q2019
Net non interest income
2018
2019
2Q2020
2Q2020
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