Financial Highlights

1. net profit amounted to AMD 10.5 billion, up by 37% YoY

2. net interest income amounted to AMD 27.3 billion, up by 49% YoY

3. return on equity (ROE) reached 12.6%, up by 1.2pp

4. return on assets (ROA) reached 1.5%, up by 0.4pp

5. cost to income ratio stood at 38.2%, down by 1.9pp YoY

6. net interest margin (NIM) stood at 4.8%, up by 1.3pp YoY

7. total assets amounted to AMD 780 billion, up by 15% YoY

8. loans and advances to customers amounted to AMD 543 billion, up by 13.4% YoY

9. NPLs comprised 3.3% ,  up by 0.4pp

10. NPLs coverage ratio was 89%, up by 8pp YoY

11. As of 31 December 2018, Tier 1 and Total Capital Adequacy Ratios stood at 10.8% and 13.7% respectively

The Investor Presentation on Ameriabank 2018 Q4 and full year unaudited financial results is disclosed on the Investor Relations website under Financial Reports and IR Presentations section.

2018 Q4 Investor Presentation