As at June 30, September/2011

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1 Armenian Banking System As at June 3, 211 Union of Banks of Armenia Union of Banks of Armenia September/211

2 General Descriptive Figures Total Capital $ mln ( ) Total Assets $ mln ( ) Total Loans $ mln ( ) Total Liabilities $ mln ( ) Number of Banks 21 Number of branches* 447 Number of Employees The figures are counted according to the currency rate of USD formed at the market in , introduced by CBA 1 USD = 368,86 AMD *The Head Offices are also included in the number of branches

3 The Macroeconomic Data of Armenian Banking System N Ratio (%) Total Assets/GDP Total Loans/GDP Total Capital/GDP Total Deposits of Physical Persons in GDP

4 Key Ratios Profitability Ratios Return on Assets (ROA) 1.24% Return on Equity(ROE) 6.35% Capitalization Ratios Total Capital/Total Assets 2% Total Capital/Liabilities 25%

5 Total Capital AMD USD ACBACredit Agricole Bank AMERIABANK Ardshininvestbank VTB Bank (Armenia) HSBC Bank Armenia Armbusinessbank Prometey Bank Converse Bank Unibank Anelik Bnak Areximbank Gazprombank Group Inecobank ARARATBANK ArmSwissBank Mellat Bank Artsakhbank Armeconombank Byblos Bank Armenia Armenian Development Bank ProCredit Bank BTA Bank

6 Founding Capital AMD USD ACBACredit Agricole Bank AMERIABANK Ardshininvestbank Prometey Bank Anelik Bnak VTB Bank (Armenia) Armbusinessbank AreximbankGazprombank Group Unibank HSBC Bank Armenia Armeconombank Byblos Bank Armenia ARARATBANK ArmSwissBank Mellat Bank Artsakhbank BTA Bank ProCredit Bank Converse Bank Armenian Development Bank Inecobank

7 Total Assets AMD USD ACBACredit Agricole Bank AMERIABANK HSBC Bank Armenia VTB Bank (Armenia) Armbusinessbank Ardshininvestbank Unibank Converse Bank AreximbankGazprombank Group ARARATBANK Inecobank Anelik Bnak Artsakhbank Armeconombank Mellat Bank ArmSwissBank Byblos Bank Armenia Prometey Bank Armenian Development Bank ProCredit Bank BTA Bank

8 Total Liabilities AMD USD ACBACredit Agricole Bank AMERIABANK HSBC Bank Armenia Armbusinessbank VTB Bank (Armenia) Ardshininvestbank Unibank AreximbankGazprombank Group Converse Bank ARARATBANK Inecobank Artsakhbank Armeconombank Anelik Bnak Mellat Bank ArmSwissBank Byblos Bank Armenia Armenian Development Bank ProCredit Bank Prometey Bank BTA Bank

9 Total Loans AMD USD ACBACredit Agricole Bank AMERIABANK VTB Bank (Armenia) HSBC Bank Armenia Armbusinessbank Ardshininvestbank Unibank AreximbankGazprombank Group Converse Bank BTA Bank Inecobank Artsakhbank Anelik Bnak ARARATBANK Armeconombank Mellat Bank Byblos Bank Armenia Prometey Bank ProCredit Bank Armenian Development Bank ArmSwissBank

10 Loans Loans to Physical Persons Mortgage Loans Consumer Loans 8 Loans to Economy AMD USD

11 Loans to Different Sectors of the Economy Agriculture % Service % Other % Trade % Construction % Mortgage % Industry % Consumer Loans %

12 45 4 Acquired Securities ,6,211 AMD USD ProCredit Bank HSBC Bank Armenia ArmSwissBank VTB Bank (Armenia) Ardshininvestbank AMERIABANK ARARATBANK Artsakhbank Unibank Armbusinessbank Prometey Bank Converse Bank Mellat Bank Inecobank Anelik Bank ACBACredit Agricole Bank Armeconombank BTA Bank Byblos Bank Armenia Armenian Development Bank AreximbankGazprombank Group

13 Net Profit AMD USD 12 Retained Earnings AMD USD 25 2 Income Expences AMD USD AMD USD

14 Deposits Time deposits Legal Entity AMD Physical person AMD Legal Entity USD Physical person USD On Demand Deposits Legal Entity AMD Legal Entity USD Physical person AMD Physical person USD

15 1 6 Deposits m On demand deposits Time deposits Legal Entity Physical person

16 Total number of bank branches* ( ) *The Head Offices are also included in the number of branches VTB Bank (Armenia) Ardshininvestbank ACBACredit Agricole Bank Armeconombank Unibank ARARATBANK Converse Bank Armbusinessbank Artsakhbank AreximbankGazprombank Group Anelik Bnak Inecobank ProCredit Bank AMERIABANK HSBC Bank Armenia BTA Bank Prometey Bank Byblos Bank Armenia Armenian Development Bank ArmSwissBank Mellat Bank

17 Distribution of Armenian Bank Branches in Different Regions Kotayq 32; 7% 11 banks Gegharquniq 25; 6% 1 banks Armavir 21; 5% 11 banks Syuniq 21; 5% 9 banks Lori 33; 7% 14 banks Ararat 2; 4% 1 banks Tavush 18; 4% 8 banks Shirak 34; 8% 14 banks Yerevan 189; 42% 21 banks Aragatsotn 14; 3% 6 banks Vayots Dzor 8; 2% 5 banks Artsakh 29; 6% 7 banks Other countries 3; 1% 3 banks

18 The average number of bank staff ( ) Average profit by 1 employee $ The share of the salaries and other employee payments in total administrative expenses 56% Average monthly salary $ Ardshininvestbank VTB Bank (Armenia) ACBACredit Agricole Bank Armeconombank Unibank Converse Bank Armbusinessbank Artsakhbank Anelik Bnak Inecobank ARARATBANK Areximbank Gazprombank Group HSBC Bank Armenia AMERIABANK ProCredit Bank Prometey Bank Armenian Development Bank BTA Bank ArmSwissBank Byblos Bank Armenia Mellat Bank

19 Thank you for your attention!!!