20Nov
Ameriabank announces 2023 Q3 unaudited financial results
Financial Highlights
- total loan portfolio amounted to AMD 873 billion, up by 22% YtD
- retail loan portfolio stood at AMD 392 billion, with 19% growth YtD
- corporate large and SME loan portfolio reached AMD 480 billion, up by 25% YtD
- retail and SME portfolio share in total loans stood at 61.2%
- total deposits and bonds amounted to AMD 997 billion, up by 13.7% YtD
- stage 3 NPL has improved and dropped to 2.2%, down by 0.2 pp YtD
- net profit reached AMD 34.3 billion, up by 11% YoY
- return on equity (ROE) and return on assets (ROA) stood at 26% and 3.6% respectively
- tier 1 and total capital adequacy ratios (CAR) stood at 14.4% and 17.2% respectively
Operational Highlights
- Offloading rate* and cash offloading rate** stood at 98% and 84.1% respectively
- online banking penetration rate reached 69%, up by 6pp YtD
- NPS reached 74%, while CEI*** comprised 9.65.
- The number of mobile and internet banking transactions increased by 85% YoY, while the number of users increased by 42% YoY
- Share of digital sales stood at 50%
* share of transactions performed via distance and digital channels in the total number of bank's transactions.
** share of cashless transactions performed via distance and digital channels (IB, MB, POS/VPOS) in the total number of transactions
*** Client Experience Index with max possible value of 10