Wednesday, May 16 2018 14:21
Karine Melikyan

Ardshinbank reviewed the terms of the "Instant" loan in the direction  of greater accessibility

Ardshinbank reviewed the terms of the "Instant" loan in the direction  of greater accessibility

ArmInfo. Ardshinbank improved the terms of the "Instant" loan, increasing the size of the loan and expanding the financing segment. As the press service of the Bank  explained to ArmInfo, the credit limit has been increased to 1.1 million AMD or the equivalent in dollars, and the financing segment now covers the development of agriculture.

According to the source, "Instant" loan is granted to individuals. In  the case of a dram loan, the rate is 21.5%, and the dollar rate is  19.5%. The maturity date is set at 120 months. Dram credits in the  framework of this product are provided for any purpose, and dollar  loans for the development of agriculture.  Ardshinbank provides an  "Instant" loan without analyzing the client's income, without  security or collateral.

Those wishing to receive such a loan can apply to any branch of  Ardshinbank and present only a document certifying their identity and  social card. The bank informs that "Instant" loan is provided on the  chip card Visa Electron, issued to the client immediately.

In more detail with the terms of the product "Instant" loan can be  found at https://goo.gl/dmqYRq or by calling the 24-hour help desk  (012) 22-22-22.

According to the Financial Rating of the Armenian Banks, prepared by  NA ArmInfo, Ardshinbank as of April 1, 2018 was established in TOP-3  by main indicators. The bank's assets reached 557.8 billion drams ($  1.2 billion), which accounted for 74% or 412.3 billion drams ($ 858.9  million) of loans and other loans.  The bank was established in TOP-3  and on retail lending - 113.9 billion drams ($ 237.3 million). In  total retail loans on the market, the share of Ardshinbank reaches  13%, and in the loan portfolio of the bank, the specific weight of  loans to individuals is about 28%. On an annual basis, the Bank  increased its retail loan portfolio by 16.8%, but only in the first  quarter of 2018 - by 9.1%. Ardshinbank completed the first quarter of  this year with a net profit of 2.2 billion drams ($ 4.6 million, 3rd  position), with an annual growth of 76.3%.

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