On March 6, Ameriabank's Director of Retail Operations, Arman Barseghyan, held a press conference, during which Ameriabank's new online lending opportunities were presented, as well as Retail Banking 2017. the successes recorded as a result of the activity.
The marketing campaign for online loans with the theme "Size does not hinder speed" emphasizes the main advantages of the offer, namely the size of the loan and the fast disbursement process. The process of submitting a loan application, assessing creditworthiness and issuing a loan is fully automated, regardless of the amount.
From now on, it is possible to get a loan from 100,000 AMD to 10 million AMD without collateral and/or guarantee in just a few minutes. By the way, loans are provided without loan origination and loan servicing commission.
For Ameriabank cardholder customers, loan approval and contract signing is done online, after which the money is immediately deposited into the customer's current account, and persons who are not Ameriabank cardholders or customers must visit the bank to sign the loan agreement after receiving the loan approval online.
In the online mode, it is also possible to apply for an overdraft and credit line in different currencies (AR AMD, USD, EUR), in which case the amount is credited to the client's card.
In order to provide customers with access to all directions of lending, Ameriabank has recently introduced installment financing for the purchase of goods, within the framework of which innovative solutions are expected in the near future.
Note that in 2017 as a result of the activity, the number of Ameriabank clients increased by 12%, the number of issued payment cards increased by 14%. Demand deposits of natural persons increased by more than 43% in the reporting year and amounted to 47 billion AMD at the end of the year, and time deposits increased by 10% to around 134 billion AMD. The retail credit portfolio grew by 31% year-on-year and reached AMD 75 billion in 2017, including the growth of SME loans by 26%, and the portfolio is about AMD 17 billion.