Investor Presentaiton
BANKING SECTOR OVERVIEW
ARMENIAN BANKING SYSTEM IS ADEQUATELY CAPITALIZED ABOVE THE REGULATORY REQUIREMENTS AND WELL-POSITIONED TO THE
SHOCKS INDUCED BY THE PANDEMIC
LIQUIDITY RATIO
CAPITAL ADEQUACY RATIO
32.5%
32.1%
31.7%
28.0%
27.3%
27.1%
25.6%
2015
2016
2017
2018
2019
-Liquid Assets (% of Total Assets)
2020
2021 September
BANKING SECTOR DEPOSITS
20.0%
18.6%
17.7%
17.6%
16.9%
17.2%
16.2%
16.4%
15.2%
15.2%
15.2%
14.7%
15.3%
14.0%
2015
2016
2017
CAR (% RWA*)
2018
2019
2020
-Tier-1 CAR (% of RWA)
2021 September
* Risk Weighted Assets
NON-PERFORMING LOANS AND COVERAGE RATIO*
65.1%
62.9%
62.9%
62.9%
62.9%
78.8%
57.3%
57.5%
3,462.33
73.3%
74.9%
68.9%
70.6%
66.8%
59.4%
3,329.28
3,256
2,728
2,464
2,177
1,789
22
32
2015
2016
2017
Total Banking Sector Deposits (AMD bln)
2018
2019
4.3%
4.6%
4.0%
3.1%
3.4%
4.6%
2020
NPL Coverage ratio (%)
2015
2016
2017
2018
2019
2020
2021 September
NPL (% of Total Loans)
Deposits (% of Total Liabilities)
* Excluding watch category loans and reserves
Source: CBA
3.0%
2021 SeptemberView entire presentation