Financial Highlights 

• net profit amounted to AMD 5.9 billion in H1 2018, up by 77% YoY
• net interest income amounted to AMD 12.3 billion, up by 41% YoY
• return on equity (ROE) reached 14.8% in H1 2018, up by 3.3pp
• return on assets (ROA) reached 1.8% in H1 2018, up by 0.6pp
• cost to income ratio stood at 41.2% in H1 2018, down by 2.1pp YoY
• net interest margin (NIM) stood at 4.5% in H1 2018, up by 1pp 
• total assets amounted to AMD 693 billion as of 30 June 2018, up by 2%
• loans and advances to customers amounted to AMD 492 billion as of 30 June 2018, up by 3% 
• NPLs comprised 2.8% as of 30 June 2018, down by 0.1pp 
• NPLs coverage ratio reached 105% as of 30 June 2018, up by 24pp

The Investor Relations Presentation on Ameriabank 2018 H1 and Q2 financial results is disclosed on the Investor Relations website under Financial Reports and IR Presentations section.

Q2 2018 Investor Relations Presentation