Ameriabank: Strategic Milestones and Investor Presentation

P&L Structure 36.63 Profit and loss bln AMD 50.43 15.39 1.61 100.84 33.51 Admin expenses bln AMD +17% +80% 43.3 37.0 Net profit 46% margin 20.5 EBT margin 57% 2021 2022 2023 Structure of admin expenses 1.41 4.33 4.28 57.31 11.26 46.05 Marketing, Rep. costs and CSR 4% Maintenance, communication and utility cost 2% Rent -1% Other 7% OP OP OP Other Total HR CIB RB TD OP Mark & Admin Dep & PR EBT Taxes NET Depreciation 10% exp amor PROFIT 40 Investor Presentation | Ameriabank.am Personnel expenses and Trainings 76% Λ

View entire presentation