Key Financial Highlights
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1 Annual Results 2017
2 mln AMD mln AMD mln AMD mln AMD Total Assets Key Financial Highlights Total Liabilities Total Capital 252, ,760 36, , ,815 32,178 Net Profit 3,556 NIM 5.5% Cost to Income Ratio 69.4% 1, % 60.4% 2
3 mln AMD Key Financial Highlights 190,993 Total Assets 252, % CAR 16.96% 119, ,168 Loan Portfolio ROA 1.41% 0.80% 4.86% ROE 9.88% 3
4 Strong Retail Focus Retail 43% 22% 10% 28% Loan Portfolio Breakdown 2017 SME 14% Retail Loans by Products 40% Large 43% Mortgage loans Credit card loans Gold secured loans Consumer loans Manufacturing Agriculture 4% 4% Transportation 10% Construction 4% Sectoral Diversification Other 14% Energy 4% Services 4% Consumer 25% Trading 14% Number of Loans 70,312 Mortgage 17% 75,123 4
5 mln AMD mln AMD Loan Portfolio Quality NPL + 90 Days 8.44% 5.75% 3.88% 2015 NPL + 90 Days Provision for Loan Impairment 80,000 70,000 60,000 50,000 40,000 30,000 20,000 10, % 5.50% 5.64% 5.93% 4.18% 3.28% Retail Large SME 16% 14% 12% 10% 8% 6% 4% 2% 0% 3,000 2,500 2,000 1,500 1, % 4.18% 3.43% 3.48% 3.14% 2.31% Retail Large SME 8% 7% 6% 5% 4% 3% 2% 1% 0% Portfolio 2016 Portfolio 2017 NPL 2017 NPL 2016 Impairment 2016 Impairment 2017 Provision/total loans 2017 Provision/total loans
6 mln AMD Liability Portfolio Breakdown Term Deposits Corporate Clients Retail Clients 41,279 43,624 19,685 16,676 50,034 35,193 51,947 44, Demand Deposits 2017 Corporate clients Retail clients Term Deposits 2017 Corporate clients Retail clients 67% 33% 46% 54% 6
7 Large Network POS terminals 888 Branches 34 ATM s 117 Number of employees 710 Corporate clients Accounts 11,694 Individual clients accounts 195,138 7
8 Exhibits
9 Profit and Loss Statement Thousand AMD PROFIT AND LOSS Interest income 17,624,252 13,859,656 13,458,001 Interest expenses -8,284,069-6,787,759-6,961,726 Net Interest income 9,340,183 7,071,897 6,496,275 Allowance for Impairment loans -1,146,313-1,544,466-3,242,949 Net interest income after allowance for impairment of loans 8,193,870 5,527,431 3,253,326 Fee and commission income 2,433,145 2,003,640 1,887,676 Fee and commission expense -752, , ,310 Net trading income 1,279, ,056 1,009,948 Net /gain/losses from Foreign currency translation -1, , ,306 Gains less losses on investments available for sale 304,220 54,229 45,838 Other income 910, , ,279 Personnel expenses -4,298,789-3,379,260-3,137,936 Depreciation of property and equipment -731, , ,766 Amortization of intangible assets -41,719-76, ,891 Other expenses -2,940,078-2,723,708 2,556,009 Other impairment and provisions -90,922 Profit/(loss) before income tax 4,355,883 1,508, ,073 Income tax benefit/(expense) -799,838 56,442 47,510 Profit/(loss) for the period 3,556,045 1,565, ,583 OTHER COMPREHENSIVE INCOME Other comprehensive income for the period, net of tax 806,584 1,198, ,027 Total comprehensive income/(loss) for the period 4,383,638 2,764,025-1,240,610 Exchange Rate: USD/AMD In accordance with International Financial Reporting Standards 9
10 Balance Sheet Statement Thousand AMD ASSETS Cash and cash equivalents 39,842,049 44,751,939 46,029,188 Trading securities 787, , ,592 Amounts due from other financial institutions 10,546,355 2,320,882 9,148,697 Loans and advances to customers 165,167, ,024,824 82,945,627 Investments securities available for sale 22,812,218 14,929,205 4,818,866 Securities pledged under repurchase agreements 3,056,113-5,484,221 Securities held to maturity 346, Property, plant and equipment 6,115,287 6,384,767 6,612,460 Intangible assets 226, , ,008 Repossessed Assets 1,832,119 2,385,649 2,288,512 Current income tax assets ,654 Other assets 2,004, ,369 1,049,340 TOTAL ASSETS 252,735, ,993, ,903,165 LIABILITIES Amounts due to financial institutions 15,173, ,064 7,431,275 Derivative financial liabilities 68,857 31,591 14,495 Amounts due to customers 173,914, ,680, ,430,135 Bonds issued by the bank 5,931, Current Income tax liabilities 609, ,744 - Deferred income tax liabilities 1,210,763 1,113,141 1,244,231 Other borrowed funds 12,659,350 9,096,208 9,895,217 Other liabilities 1,336, , ,678 Subordinated debt 5,854,396 7,598,818 7,430,709 Total Liabilities 216,759, ,815, ,201,740 EQUITY Share capital 16,416,633 16,416,633 7,002,033 Share premium 63,233 63,233 63,233 Statutory general reserve 1,243,064 1,005,996 1,005,996 Other reserves 5,352,857 4,718,327 3,653,862 Retained earnings 12,900,379 9,973,814 8,976,301 Total Equity 35,976,166 32,178,003 20,701,425 TOTAL LIABILITIES AND EQUITY 252,735, ,993, ,903,165 Exchange Rate: USD/AMD In accordance with International Financial Reporting Standards 10
11 Key Position Highlights: Assets Thousand AMD 2016 Thousand AMD 2017 Rank Bank Assets Rank Bank Assets 1 AmeriaBank 719,363,423 1 AmeriaBank 660,032,225 2 ArdshinBank 548,409,970 2 ArmbusinessBank 609,618,296 3 ArmbusinessBank 401,668,745 3 ArdshinBank 557,814,805 4 ACBA Credit-Agricole Bank 283,271,843 4 ACBA Credit-Agricole Bank 319,658,618 5 Anelik Bank 282,453,284 5 InecoBank 273,072,681 6 InecoBank 236,196, Converse Bank 251,543,148 7 VTB Bank Armenia 232,671,657 7 VTB Bank Armenia 218,005,393 8 HSBC Bank Armenia 215,160,817 8 HSBC Bank Armenia 213,712,549 9 Converse Bank 190,993,270 9 Ararat Bank 211,179, UniBank 185,396, Armeconom Bank 195,949, AraratBank 149,198, UniBank 194,974, ArmeconomBank 146,182, Armswiss Bank 187,882, ArmswissBank 130,253, Artsakh Bank 140,915, ArtsakhBank 103,474, IDBank 134,207, EvocaBank 89,495, Evoca Bank 105,972, Byblos Bank Armenia 64,190, Byblos Bank Armenia 88,242, Mellat Bank 41,241, Mellat Bank 53,398,729 In accordance with International Financial Reporting Standards 11
12 Key Position Highlights: Deposits Thousand AMD 2016 Thousand AMD 2017 Rank Bank Deposits Rank Bank Deposits 1 AmeriaBank 414,608,686 1 AmeriaBank 514,218,641 2 ArdshinBank 297,676,192 2 ArmbusinessBank 398,967,148 3 ArmbusinessBank 260,121,062 3 ArdshinBank 344,968,629 4 Anelik Bank 167,523,458 4 Converse Bank 179,768,553 5 VTB Bank Armenia 165,589,568 5 ACBA Credit-Agricole Bank 166,550,033 6 HSBC Bank Armenia 149,832,833 6 VTB Bank Armenia 158,599,083 7 Converse Bank 147,279,035 7 HSBC Bank Armenia 158,579,491 8 UniBank 128,012,569 8 UniBank 142,172,487 9 ACBA Credit-Agricole Bank 122,572,134 9 InecoBank 140,773, InecoBank 110,359, Artsakh Bank 98,144, ArmeconomBank 72,195, Armeconom Bank 98,113, Artsakh Bank 66,867, Ararat Bank 95,811, ArmswissBank 64,106, Armswiss Bank 78,508, AraratBank 62,875, IDBank 64,651, Evocabank 44,682, Byblos Bank Armenia 60,681, Byblos Bank 29,341, Evoca Bank 49,830, Mellat Bank 2,474, Mellat Bank 4,469,380 In accordance with International Financial Reporting Standards 12
13 Key Position Highlights: Loan Portfolio Thousand AMD 2016 Thousand AMD 2017 Rank Bank Loans Rank Bank Loans 1 Ameria-Bank 513,218,709 1 AmeriaBank 479,640,981 2 ArdshinBank 358,004,830 2 ArdshinBank 392,011,895 3 ArmbusinessBank 275,926,637 3 ArmbusinessBank 382,547,013 4 Anelik Bank 217,036,997 4 ACBA Credit-Agricole Bank 190,398,480 5 ACBA Credit-Agricole Bank 174,983,028 5 InecoBank 173,066,076 6 InecoBank 160,154,905 6 Converse Bank 165,167,500 7 VTB Bank Armenia 146,152,629 7 VTB Bank Armenia 139,251,984 8 HSBC Bank Armenia 119,590,354 8 UniBank 135,127,892 9 Converse Bank 119,024,824 9 Ararat Bank 119,167, UniBank 118,627, Armeconom Bank 104,216, ArmeconomBank 75,047, HSBC Bank Armenia 95,431, AraratBank 66,148, Artsakh Bank 71,162, Artsakh Bank 64,509, Armswiss Bank 61,863, Evocabank 46,537, IDBank 57,763, ArmswissBank 46,077, Evoca Bank 56,834, Byblos Bank 22,155, Byblos Bank Armenia 28,540, Mellat Bank 5,755, Mellat Bank 5,811,931 In accordance with International Financial Reporting Standards 13
14 Key Position Highlights: Net Profit Thousand AMD 2016 Thousand AMD 2017 Rank Bank Net profit/ (loss) Rank Bank Net profit/ (loss) 1 ArdshinBank 22,023,082 1 AmeriaBank 7,649,987 2 AmeriaBank 6,206,686 2 InecoBank 7,024,532 3 InecoBank 5,157,570 3 ACBA Credit-Agricole Bank 5,564,057 4 ArmswissBank 3,283,980 4 ArdshinBank 5,528,972 5 Artsakh Bank 2,879,968 5 Armswiss Bank 3,668,130 6 ACBA Credit-Agricole Bank 1,822,753 6 Converse Bank 3,556,045 7 Converse Bank 1,565,033 7 Artsakh Bank 3,410,173 8 Anelik Bank 1,116,675 8 Ararat Bank 2,004,386 9 AraratBank 1,089,475 9 IDBank 1,846, ArmbusinessBank 1,053, Mellat Bank 1,790, Mellat Bank 1,003, Armeconom Bank 1,550, Evocabank 958, ArmbusinessBank 1,280, ArmeconomBank 590, Byblos Bank Armenia 1,023, Byblos Bank (156,487) 14 Evoca Bank 499, UniBank (443,218) 15 UniBank 67, HSBC Bank Armenia (6,666,854) 16 VTB Bank Armenia -4,805, VTB Bank Armenia (8,512,739) 17 HSBC Bank Armenia -7,940,583 In accordance with International Financial Reporting Standards 14
15 Key Position Highlights: ROE Rank Bank ROE Rank Bank ROE 1 ArdshinBank 30.8% 1 InecoBank 14.56% 2 InecoBank 11.9% 2 Artsakh Bank 11.56% 3 ArmswissBank 11.4% 3 AmeriaBank 10.94% 4 Artsakh Bank 11.0% 4 Armswiss Bank 9.92% 5 AmeriaBank 9.6% 5 Converse Bank 9.88% 6 Converse Bank 4.9% 6 ACBA Credit-Agricole Bank 9.23% 7 AraratBank 3.3% 7 ArdshinBank 8.32% 8 Evocabank 3.3% 8 Ararat Bank 5.70% 9 ACBA Credit-Agricole Bank 3.2% 9 Armeconom Bank 5.34% 10 ArmbusinessBank 3.0% 10 Mellat Bank 5.22% 11 Mellat Bank 3.0% 11 Byblos Bank Armenia 4.35% 12 Anelik Bank 2.7% 12 IDBank 4.16% 13 ArmeconomBank 2.1% 13 ArmbusinessBank 3.48% 14 Byblos Bank -0.7% 14 Evoca Bank 1.69% 15 UniBank -1.3% 15 UniBank 0.19% 16 HSBC Bank Armenia -14.2% 16 VTB Bank Armenia % 17 VTB Bank Armenia -25.1% 17 HSBC Bank Armenia % In accordance with International Financial Reporting Standards 15
16 Key Position Highlights: ROA Rank Bank ROA Rank Bank ROA 1 ArdshinBank 4.0% 1 Mellat Bank 3.87% 2 Artsakh Bank 2.8% 2 InecoBank 2.53% 3 ArmswissBank 2.5% 3 Artsakh Bank 2.50% 4 Mellat Bank 2.4% 4 Armswiss Bank 2.26% 5 InecoBank 2.2% 5 ACBA Credit-Agricole Bank 1.79% 6 Evocabank 1.1% 6 IDBank 1.43% 7 AmeriaBank 0.9% 7 Converse Bank 1.41% 8 Converse Bank 0.8% 8 Byblos Bank Armenia 1.20% 9 AraratBank 0.7% 9 AmeriaBank 1.13% 10 ACBA Credit-Agricole Bank 0.6% 10 ArdshinBank 0.97% 11 ArmeconomBank 0.4% 11 Ararat Bank 0.94% 12 Anelik Bank 0.4% 12 Armeconom Bank 0.81% 13 ArmbusinessBank 0.3% 13 Evoca Bank 0.47% 14 UniBank -0.2% 14 ArmbusinessBank 0.23% 15 Byblos Bank -0.2% 15 UniBank 0.03% 16 HSBC Bank Armenia -3.1% 16 VTB Bank Armenia -2.23% 17 VTB Bank Armenia -3.7% 17 HSBC Bank Armenia -3.81% In accordance with International Financial Reporting Standards 16
17
Key Financial Highlights
Annual Results 2016 mln AMD mln AMD mln AMD mln AMD Key Financial Highlights Total Assets Total Liabilities Total Capital 158,903 190,993 158,815 32,178 138,202 20,701 Net Profit NIM Cost to Income Ratio
Key Financial Highlights
Annual Results 2015 mln AMD mln AMD mln AMD mln AMD Total Assets Key Financial Highlights Total Liabilities Total Capital 158,903 138,202 22,504 20,701 147,634 125,130 Net Profit 4.29% NIM 4.10% Cost to
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TOTAL ASSET 83,967,262
STATEMENTS OF FINANCIAL POSITION ASSET 1. Cash 1,178,137 2. Placements with Bank Indonesia 8,446,926 3. Placements with other banks 1,690,067 4. Spot and derivative receivables 253 5. Marketable securities
TOTAL ASSET 88,075,236
STATEMENTS OF FINANCIAL POSITION ASSET 1. Cash 1,294,085 2. Placements with Bank Indonesia 8,684,113 3. Placements with other banks 1,089,865 4. Spot and derivative receivables 350 5. Marketable securities
TOTAL ASSET 89,648,272
STATEMENTS OF FINANCIAL POSITION ASSET 1. Cash 1,581,513 2. Placements with Bank Indonesia 11,660,113 3. Placements with other banks 3,242,369 4. Spot and derivative receivables 1,098 5. Marketable securities
TOTAL ASSET 85,933,966
STATEMENTS OF FINANCIAL POSITION ASSET 1. Cash 1,375,797 2. Placements with Bank Indonesia 5,543,069 3. Placements with other banks 1,365,309 4. Spot and derivative receivables 50,649 5. Marketable securities
TOTAL ASSET 87,038,389
STATEMENTS OF FINANCIAL POSITION ASSET 1. Cash 1,081,420 2. Placements with Bank Indonesia 7,380,146 3. Placements with other banks 1,570,610 4. Spot and derivative receivables 40,887 5. Marketable securities
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