Monday, June 29 2026 15:42

AraratBank Reports Growth in its SME Loan Portfolio in 2025

AraratBank Reports Growth in its SME Loan Portfolio in 2025

ArmInfo.AraratBank continues to expand access to competitive financing for SMEs by adopting international standards and advanced technologies, reinforcing its role in supporting sustainable economic growth in Armenia.

The International Day of Micro-, Small and Medium-Sized Enterprises, marked on June 27, provides another opportunity to reflect on the achievements of a sector that contributes significantly to economic development and the prosperity of businesses in Armenia.

Consistent with its strategic priorities, AraratBank continues to place strong emphasis on SME lending. In 2025, the Bank provided AMD 11.6 billion to the SME sector, including AMD 3.6 billion to female entrepreneurs (31% of total SME lending in 2025) and more than AMD 1.4 billion to young entrepreneurs.

As a result of the Bank’s focus on providing competitive financial products, the SME loan portfolio has grown. In 2025, it stood at AMD 27.5 billion, recording a 4.2% increase compared to the previous year.

“We strive to provide our clients with competitive and flexible loan products tailored to the needs of their businesses. We also place importance on a personalized approach, offering solutions aligned with each client’s individual needs and concerns, while maintaining ongoing feedback. As a result of these efforts, we have recorded growth in our SME loan portfolio, which reflects both our clients’ trust and the effectiveness of the solutions offered by the Bank. In this context, in November 2025, the Bank launched a new campaign aimed at providing customers with more accessible financial resources to support business development and expansion, as well as to facilitate the consolidation of existing loan obligations with other financial institutions,” says Aram Baghdasaryan, Head of SME Lending Division at AraratBank.

As a trusted partner of the SME sector, AraratBank will continue to expand its product range, creating new opportunities for growth and contribute to a more sustainable economy.

 

 

POST A COMMENT
Input digits     

News
A delegation from the Directorate for Peace, Partnerships and Crisis Management of the European External Action Service is in Yerevan.A delegation from the Directorate for Peace, Partnerships and Crisis Management of the European External Action Service is in Yerevan.
Deputy: We do not need a Russian base, but if Russia needs one, it is a matter for discussionDeputy: We do not need a Russian base, but if Russia needs one, it is a matter for discussion
The permissible level of mercury in drinking water has been exceeded in one of Syunik’s settlementsThe permissible level of mercury in drinking water has been exceeded in one of Syunik’s settlements
Opposition figure: Armenia is being forced into a creeping capitulation, and the leaders of key opposition forces are being neutralized to successfully achieve this goalOpposition figure: Armenia is being forced into a creeping capitulation, and the leaders of key opposition forces are being neutralized to successfully achieve this goal
Opposition Figure: Arrest of Armenia’s Second President Driven by the Challenges Facing the CountryOpposition Figure: Arrest of Armenia’s Second President Driven by the Challenges Facing the Country
Aram I: Armenia’s “friends” dance in Shushi and watch with “admiration” as Armenian churches and cultural monuments are turned into Albanian structuresAram I: Armenia’s “friends” dance in Shushi and watch with “admiration” as Armenian churches and cultural monuments are turned into Albanian structures
Armenian authorities want to continue the process of consolidating communitiesArmenian authorities want to continue the process of consolidating communities
Vardges Surenyants’s masterpiece “The Outcast” returns to Armenia after 130 yearsVardges Surenyants’s masterpiece “The Outcast” returns to Armenia after 130 years
The 10th land plot located in Sisian Park has been returned to community ownership.The 10th land plot located in Sisian Park has been returned to community ownership.
As a result of the prosecutor’s intervention, land plot No. 13, located in Grant Matevosyan Park in Vanadzor, has been returned to community ownershipAs a result of the prosecutor’s intervention, land plot No. 13, located in Grant Matevosyan Park in Vanadzor, has been returned to community ownership
Lawyer on Kocharyan case: All means of curbing lawlessness in the country have been exhausted in ArmeniaLawyer on Kocharyan case: All means of curbing lawlessness in the country have been exhausted in Armenia
In Armenia, the text of the oath taken by government members will be updatedIn Armenia, the text of the oath taken by government members will be updated
After the ethical cleansing in Artsakh, manifestations of cultural genocide are being observed in this region.After the ethical cleansing in Artsakh, manifestations of cultural genocide are being observed in this region.
Yerevan City Hall is considering introducing a valet parking system in the cityYerevan City Hall is considering introducing a valet parking system in the city
An Armenian political analyst exposed Hajiyev’s lies and attempts to mislead diplomats accredited in Azerbaijan in occupied ArtsakhAn Armenian political analyst exposed Hajiyev’s lies and attempts to mislead diplomats accredited in Azerbaijan in occupied Artsakh
A lawmaker from the opposition Strong Armenia faction staged an unusual protest in parliamentA lawmaker from the opposition Strong Armenia faction staged an unusual protest in parliament
General Levon Mnatsakanyan marks his 61st birthday in captivity in BakuGeneral Levon Mnatsakanyan marks his 61st birthday in captivity in Baku
Opposition Figure: Armenia Should Raise the Issue of Azerbaijan Preserving Armenian Religious and Historical HeritageOpposition Figure: Armenia Should Raise the Issue of Azerbaijan Preserving Armenian Religious and Historical Heritage
Committee for the Protection of the Fundamental Rights of the People of Artsakh: Diplomatic visits must not become an instrument for normalizing ethnic cleansingCommittee for the Protection of the Fundamental Rights of the People of Artsakh: Diplomatic visits must not become an instrument for normalizing ethnic cleansing
National Assembly Speaker Accuses Opposition MP of Making a “Stupid” JokeNational Assembly Speaker Accuses Opposition MP of Making a “Stupid” Joke
Expert: The circus surrounding the “Albanization” of Armenian culture in the presence of foreign ambassadors in occupied Artsakh is genocideExpert: The circus surrounding the “Albanization” of Armenian culture in the presence of foreign ambassadors in occupied Artsakh is genocide
Pashinyan congratulated Armenia’s Jewish community on the occasion of Rosh HashanahPashinyan congratulated Armenia’s Jewish community on the occasion of Rosh Hashanah
Italian rider Simone Raccani took first place in the Italian rider Simone Raccani took first place in the "Tour of Armenia"
Four years have passed since Azerbaijan’s aggression against Armenia.Four years have passed since Azerbaijan’s aggression against Armenia.
A high level of fire danger persists in ArmeniaA high level of fire danger persists in Armenia
An American journalist criticized foreign diplomats who visited occupied Artsakh.An American journalist criticized foreign diplomats who visited occupied Artsakh.
Former Artsakh official to foreign diplomats: You must not allow ethnic cleansing in the NKR to be turned into a tourist routeFormer Artsakh official to foreign diplomats: You must not allow ethnic cleansing in the NKR to be turned into a tourist route
Opposition MP asked Armenia’s ombudsperson to discuss her steps to protect Armenian prisoners of war held in BakuOpposition MP asked Armenia’s ombudsperson to discuss her steps to protect Armenian prisoners of war held in Baku
Opinion: Armen Grigoryan and those like him have made Armenia’s security and territorial integrity a subject of bargainingOpinion: Armen Grigoryan and those like him have made Armenia’s security and territorial integrity a subject of bargaining
Armenian authorities have decided to play the 102nd Russian Military Base card in the matter of a possible increase in gas prices for the republicArmenian authorities have decided to play the 102nd Russian Military Base card in the matter of a possible increase in gas prices for the republic
An Armenian historian harshly criticized the visit of Western coalition diplomats to occupied ArtsakhAn Armenian historian harshly criticized the visit of Western coalition diplomats to occupied Artsakh
Tsarukyan from the NSS basements: Armenia is at a very difficult historical stageTsarukyan from the NSS basements: Armenia is at a very difficult historical stage
Narek Karapetyan: In the 2026 parliamentary elections, four opposition forces received 80% more votes than in 2021Narek Karapetyan: In the 2026 parliamentary elections, four opposition forces received 80% more votes than in 2021
Armenian expert: TRIPP and European integration are incompatibleArmenian expert: TRIPP and European integration are incompatible
Deputy Foreign Minister of Armenia spoke about the country’s preparations for COP17 on the sidelines of the 32nd OSCE Economic and Environmental ForumDeputy Foreign Minister of Armenia spoke about the country’s preparations for COP17 on the sidelines of the 32nd OSCE Economic and Environmental Forum
Pakistan`s first ambassador presented his credentials to the President of ArmeniaPakistan`s first ambassador presented his credentials to the President of Armenia
Ameriabank presented technological solutions in the customer service sector at the 4Future banking conference.Ameriabank presented technological solutions in the customer service sector at the 4Future banking conference.
The Lebanese President discussed bilateral relations with the Armenian AmbassadorThe Lebanese President discussed bilateral relations with the Armenian Ambassador
The Deputy Minister of Defense of Armenia and the Chief of the General Staff of the Polish Armed Forces discussed prospects for expanding military cooperation.The Deputy Minister of Defense of Armenia and the Chief of the General Staff of the Polish Armed Forces discussed prospects for expanding military cooperation.
Armenia`s Deputy Minister of Environment discussed prospects for green finance development in the country with World Bank partners.Armenia`s Deputy Minister of Environment discussed prospects for green finance development in the country with World Bank partners.
Legislative changes related to the property confiscation mechanism are being prepared in Armenia.Legislative changes related to the property confiscation mechanism are being prepared in Armenia.
Samvel Karapetyan: Armenian prisoners of war will not return from Baku while Pashinyan is in powerSamvel Karapetyan: Armenian prisoners of war will not return from Baku while Pashinyan is in power
Team Telecom Armenia is the technology partner of the Tour of Armenia.Team Telecom Armenia is the technology partner of the Tour of Armenia.
Samvel Karapetyan: “Strong Armenia” is developing a program to turn Tigranashen into a tourist centerSamvel Karapetyan: “Strong Armenia” is developing a program to turn Tigranashen into a tourist center
Armenia’s Foreign Minister Met with Pakistan’s First Ambassador to the CountryArmenia’s Foreign Minister Met with Pakistan’s First Ambassador to the Country
Samvel Karapetyan: Armenia will be left defenseless if the 102nd Russian military base is withdrawnSamvel Karapetyan: Armenia will be left defenseless if the 102nd Russian military base is withdrawn
Samvel Karapetyan: ESA will be returned to its rightful ownerSamvel Karapetyan: ESA will be returned to its rightful owner
More than 70% of respondents consider discrimination in Armenia a serious problem - CRRC-Armenia studyMore than 70% of respondents consider discrimination in Armenia a serious problem - CRRC-Armenia study
The prospects for further deepening and expanding relations between Armenia and Russia were discussed in the National Assembly of the Republic of Armenia.The prospects for further deepening and expanding relations between Armenia and Russia were discussed in the National Assembly of the Republic of Armenia.
NAS RA: Armenia—A Platform for Scientific and Cultural Dialogue Between Europe and IndiaNAS RA: Armenia—A Platform for Scientific and Cultural Dialogue Between Europe and India
Issues concerning the development of interparliamentary relations between Armenia and Russia were discussed in YerevanIssues concerning the development of interparliamentary relations between Armenia and Russia were discussed in Yerevan
The Prosecutor General`s Office of Armenia and the European Public Prosecutor`s Office signed a cooperation agreementThe Prosecutor General`s Office of Armenia and the European Public Prosecutor`s Office signed a cooperation agreement
“Strong Armenia” Responds to Pashinyan’s Claims That Calling Tigranashen Armenian Territory Would Lead to War“Strong Armenia” Responds to Pashinyan’s Claims That Calling Tigranashen Armenian Territory Would Lead to War
Meeting of the Minister of Foreign Affairs of Turkmenistan with the State Minister of Economy, Trade and Industry of JapanMeeting of the Minister of Foreign Affairs of Turkmenistan with the State Minister of Economy, Trade and Industry of Japan
The office of Armenia`s second president reminded Pashinyan of Mussolini`s fateThe office of Armenia`s second president reminded Pashinyan of Mussolini`s fate
The President of Uzbekistan Advocated Strengthening Connectivity by Developing Transport Corridors Linking the Regions of Central Asia and the South CaucasusThe President of Uzbekistan Advocated Strengthening Connectivity by Developing Transport Corridors Linking the Regions of Central Asia and the South Caucasus
Armenia intends to sign a protocol amending the Council of Europe Convention on the Prevention of TerrorismArmenia intends to sign a protocol amending the Council of Europe Convention on the Prevention of Terrorism
Armenian authorities plan to update the official text of the oath taken by government members, adapting it to the concept of “Real Armenia”Armenian authorities plan to update the official text of the oath taken by government members, adapting it to the concept of “Real Armenia”
Head of the Ministry of Education, Science, Culture and Sports: Armenia highly values the friendship and partnership established with Switzerland on the basis of mutual trustHead of the Ministry of Education, Science, Culture and Sports: Armenia highly values the friendship and partnership established with Switzerland on the basis of mutual trust
An opposition lawmaker proposed holding discussions on the Armenian prisoners of war held by BakuAn opposition lawmaker proposed holding discussions on the Armenian prisoners of war held by Baku
Read more



Experts
An Armenian political analyst exposed Hajiyev’s lies and attempts to mislead diplomats accredited in Azerbaijan in occupied ArtsakhAn Armenian political analyst exposed Hajiyev’s lies and attempts to mislead diplomats accredited in Azerbaijan in occupied Artsakh
Expert: The circus surrounding the “Albanization” of Armenian culture in the presence of foreign ambassadors in occupied Artsakh is genocideExpert: The circus surrounding the “Albanization” of Armenian culture in the presence of foreign ambassadors in occupied Artsakh is genocide
An Armenian historian harshly criticized the visit of Western coalition diplomats to occupied ArtsakhAn Armenian historian harshly criticized the visit of Western coalition diplomats to occupied Artsakh
Armenian expert: TRIPP and European integration are incompatibleArmenian expert: TRIPP and European integration are incompatible
Azerbaijani studies expert : Ruben Vardanyan’s wife threatened with arrest if she visits BakuAzerbaijani studies expert : Ruben Vardanyan’s wife threatened with arrest if she visits Baku
Read more
Commented
Political scientist: If Russian-Armenian relations are destroyed, Turkey will take Russia`s placePolitical scientist: If Russian-Armenian relations are destroyed, Turkey will take Russia`s place
Political scientist: The Armenian public is simply obliged to significantly change the entire content of public discourse and strugglePolitical scientist: The Armenian public is simply obliged to significantly change the entire content of public discourse and struggle
Cross tattoos are being removed from the skin of Christian prisoners in Azerbaijan by fire, according to a human rights activist.Cross tattoos are being removed from the skin of Christian prisoners in Azerbaijan by fire, according to a human rights activist.
Zakharova: Armenia`s likely introduction of visas with Russia will be a step against Yerevan itselfZakharova: Armenia`s likely introduction of visas with Russia will be a step against Yerevan itself
Putin: Armenia`s recognition of Karabakh as part of Azerbaijan in Prague has given Russia`s position on this issue an ambivalent characterPutin: Armenia`s recognition of Karabakh as part of Azerbaijan in Prague has given Russia`s position on this issue an ambivalent character
Putin: Armenia`s adoption of the law on EU accession means an announcement of its withdrawal from the Eurasian Economic UnionPutin: Armenia`s adoption of the law on EU accession means an announcement of its withdrawal from the Eurasian Economic Union
Medvedev: Yerevan will never become an EU member, but it will permanently damage relations with the Eurasian Economic Union, including with Moscow.Medvedev: Yerevan will never become an EU member, but it will permanently damage relations with the Eurasian Economic Union, including with Moscow.
Aram Vardevanyan: Public demands solutions, not apology scandals in  ParliamentAram Vardevanyan: Public demands solutions, not apology scandals in  Parliament
Arrested Armenian oligarch on economy and new jobs Arrested Armenian oligarch on economy and new jobs 
"In Baku, we gave a worthy rebuff to the false claims regarding the  past and present of our people" – Former Artsakh Parliament Speaker  from Baku captivity 
NA Vice Speaker candidate  believes his wife`s salary as director of  HayPost is the lowest in the company`s historyNA Vice Speaker candidate  believes his wife`s salary as director of  HayPost is the lowest in the company`s history
RF Permanent Representative: There is no CSTO-Armenia conflictRF Permanent Representative: There is no CSTO-Armenia conflict
Moscow: NATO seeking to Moscow: NATO seeking to "Pull" Armenia away from CSTO Allies
Political analyst: Russia intends to determine which Political analyst: Russia intends to determine which "Camp" Armenia  will choose through a referendum
Narek Karapetyan will give up his parliamentary salary in favor of charitable contributions.Narek Karapetyan will give up his parliamentary salary in favor of charitable contributions.