ArmInfo. Ameriabank placed loans for more than $ 4.5 billion in the economy of Armenia for 2007-2018. Of this amount, $ 674 million accounted for financing of SMEs. As the press service of the bank told ArmInfo, in total the average y-o-y growth in lending to the economy amounted to 39.5%, while the SME sector in particular - 41%. During this period, over 1.2 billion drams were directed to export financing by the bank. The share of Ameriabank loans in Armenia's GDP grew from 2007-2018 from 0.18% to 5.07%.
In the 10 years under review, Ameriabank has financed over 250 new projects in the amount exceeding $ 1.5 billion. This has enabled the creation of 10 thousand jobs. In particular, $ 175 million was provided for the construction of 75 renewable energy power plants, $ 150 million - for the creation of greenhouses. In addition, 50 export-oriented manufacturing companies were financed, and more than 100 other projects. The volume of funds attracted by Ameriabank for 2007-2018 amounted to $ 1 billion, in particular, loans from the international financial institutions for $ 220 million were attracted.
Ameriabank is no less active in retail lending. The share of the bank in total retail loans of the market grew in 2007-2018 from 0.09% to 9.29%.
The branch network of Ameriabank has 18 divisions, of which 11 are located in Yerevan and 7 in the regions of Armenia. The number of regional customers of Ameriabank reaches 22 thousand. In the regions of Armenia, the bank provided over the past 10 years corporate loans for $ 900 million and retail loans for $ 100 million.
According to the Financial Rating of Banks of Armenia, as of January 1, 2019, prepared by ArmInfo IC, Ameriabank increased its assets for 2018 by 15%, credit investments - by 12%, maintaining the leadership by the absolute value of these indicators. In corporate lending, the 1st position was also entrenched for Ameriabank, with an increase in the volume of 2018 by 5.7%. But in terms of retail lending, the y-o-y growth was much higher - 65.3%, with a rise in volume to the 4th position, which indicates the bank's intentions to become a leader here.
The bank is one of the leaders in lending to the industrial sector (including the energy complex), agriculture, the construction sector, trade, transport and communications, catering and services, mortgage lending. Bank is also a leader in lending to SMEs. But the main concentration of credit investments of the bank falls on the industrial sector and trade. The net profit of the bank increased in 2018 by 37.3%. Ameriabank retains lead on demand liabilities - $ 429.5 million, taking the 3rd position on term deposits - $ 395.4 million. On deposits of individuals (term and demand), Ameriabank occupies the 2nd position - $ 403 million (with an annual growth of 7.8%). By total liabilities, Ameriabank holds the lead - 690 billion drams ($ 1.5 billion, with an annual growth of 13.5%). In the structure of the bank's liabilities, the share of funds raised from international financial institutions accounts for about 30% or 205.4 billion drams ($ 424.5 million, with an annual growth of 20%) - this indicator also holds the lead.
To recall, Ameriabank is a universal bank providing investment, corporate and retail banking services in the form of a comprehensive package of banking solutions. The bank has been operating in the Armenian market since October 31, 1996. Ameriabank has a branch network of 16 divisions, of which 10 are located in Yerevan and 6 are regional As of January 1, 2019, the shareholders of Ameribank are: Ameria Group CY Ltd. - 56.6%, EBRD - 17.8%, Asian Development Bank (ADB) - 13.98% and ESPS Holding Limited - 11.62%. The Bank annually is awarded distinctive awards from Euromoney, Global Finance, The Banker / FT, from Commerzbank. Ameriabank is the only organization in Armenia that has credit ratings of three agencies: S & P (B +, with "Stable" outlook), Moody's (B1, with "Positive" outlook) and Fitch (B +, with outlook "Stable").
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