Financial Highlights

• total loan portfolio amounted to AMD 714 billion, up by 10% (22.4%*) YoY
• retail loan portfolio stood at AMD 330 billion recording 26% (31.2%*) growth YoY
• total SME portfolio reached AMD 167b increasing by 12% (22.4%*) YoY
• retail and SME portfolio share in total loans reached 62%, up by 5p.p. YoY
• total deposits and bonds amounted to AMD 876 billion, up by 23% (41.2%*) YoY
• stage 3 NPL stood at 2.4%, improving by 0.8 p.p. YoY
• net profit more than doubled YoY and reached AMD 44.3 billion
• return on equity (ROE) reached 29.8%, up by 13.5p.p.
• return on assets (ROA) reached 3.9%, up by 2.1p.p.
• cost to income ratio (CIR) stood at 38.3%, improving by 2.3 p.p. YoY
• tier 1 and total capital adequacy ratios (CAR) stood at 15.2% and 17.4% respectively

* on a constant currency basis

The Investor Presentation on Ameriabank 2022 Q4 unaudited financial results is disclosed under Financial Reports and IR Presentations section:

2022 Q4 IR Presentation