Under the digital strategy, Ameriabank continues to expand its range of online services, this time introducing new lending opportunities.
From March 6, Ameriabank presents an unprecedented offer in the financial market: new opportunities for obtaining consumer loans in the online version. in just a few minutes it is possible to get a loan from 100,000 AMD to 10 million AMD without collateral and/or guarantee. At the same time, loans are provided without loan origination and loan servicing commission.
It should be noted that for Ameriabank cardholders, loan approval and contract signing are done online, after which the money is immediately deposited into the current account, and persons who are not Ameriabank cardholders or clients must visit the bank to sign the loan agreement after receiving the loan approval online.
It is also possible to apply for an overdraft and credit line in different currencies (AR AMD, USD, EUR) online, in which case the amount is credited to the client's card.
The marketing campaign for online loans, which has the title "Size does not hinder speed", emphasizes the main advantages of the offer: the size of the loan and the fast disbursement process; Regardless of the size of the amount, the process of submitting a loan application, assessing creditworthiness and issuing a loan is fully automated.
With the aim of making available to customers all directions of crediting, Ameriabank recently also introduced installment financing for the purchase of goods, within the framework of which innovative solutions will be presented 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.