Financial Highlights 

• net profit amounted to AMD 12.1 billion, up by 15% YoY
• return on equity (ROE) amounted to 12.8%, up by 0.2 pp
• and return on assets (ROA) stood at 1.5% 
• net interest margin (NIM) remained stable at 4.8%
• total assets amounted to AMD 968 billion, increasing by 24% YoY  
• total loan portfolio reached AMD 578 billion, up by 6.5% YoY
• Retail loan portfolio reached AMD 178 billion, up by 48% YoY
• Retail and SME portfolio share in total loans reached 44%, up by 8 pp YoY
• Tier 1 and Total Capital Adequacy Ratios stood at 12% and 14.7% respectively 

The Investor Presentation on Ameriabank 2019 Q4 unaudited financial results is disclosed on the Investor Relations website under Financial Reports and IR Presentations section

2019 Q4 Investor Presentation