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Union of Banks of Armenia. Armenian Banking Area Developments and Trends. Yerevan, Republic of Armenia, January 2007. Figures as at 01 January, 200 7. General Descriptive Figures. Total Capital – € 0.251 billion Total Assets – € 1.137 billion Total loans – € 0.53 billion

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Union of banks of armenia

Union of Banks of Armenia

Armenian Banking Area

Developments and Trends

Yerevan, Republic of Armenia, January 2007

Figures as at 01 January, 2007


Union of banks of armenia

General Descriptive Figures

  • Total Capital –€ 0.251 billion

  • Total Assets –€ 1.137 billion

  • Total loans –€ 0.53 billion

  • Total Liabilities –€ 0.886 billion

  • Total Deposits of Physical persons - € 0.302 billion

  • Total number of banks –21

  • Number of Branches –298

  • Total staff –5694

Union of Banks of Armenia


Union of banks of armenia

Key Indexes

Total View

Profitability Indexes

  • Return on Assets (ROA) – 3.13%

  • Return on Equity (ROE) – 14.2%

CapitalizationIndexes

  • Total Capital/Total Assets – 22.08

  • Total Capital/Liabilities – 28.33

Union of Banks of Armenia


Union of banks of armenia

120

98

90

51

60

Number of Branches

43

27

30

16

16

14

8

8

4

4

3

2

2

1

1

0

ITB

Unibank

Inecobank

AnelikBank

Areximbank

AraratBank

Artsakhbank

Converse Bank

PrometeyBank

Armeconombank

BTAInvestbank

Armbusinessbank

VTBBank(Armenia)

HSBCBankArmenia

Bank

ACBA-Credit Agricole

ARDSHININVESTBANK

Banks with Branches

  • Average number of branches for one bank – 14

  • Number of banks without branches - 5

Union of Banks of Armenia


Union of banks of armenia

Number of Employees

1200

976

927

900

622

427

422

600

393

356

275

217

185

181

300

101

99

88

80

75

72

57

53

49

30

0

ITB

ADB

Unibank

Inecobank

MellatBank

Areximbank

AnelikBank

AraratBank

Artsakhbank

CascadeBank

PrometeyBank

Armimpexbank

BTAInvestbank

ArmSwissBank

ConverseBank

Armeconombank

Armbusinessbank

VTBBank(Armenia)

HSBCBankArmenia

ACBA-CreditAgricole

ARDSHININVESTBAN

Banking Staff Developments

Banking Staff Integrative Indexes

  • Total number of staff - 5694

  • Average number of staff for one bank – 271

  • Average profit on one employee - € 7,851

  • Average assets on one employee – € 199,684

  • Administrative expenses share in total expenses – 61%

Union of Banks of Armenia


Union of banks of armenia

Banking Area Development Trends

Total Capital

Union of Banks of Armenia


Union of banks of armenia

Banking Area Development Trends

Total Assets

Union of Banks of Armenia


Union of banks of armenia

Banking Area Development Trends

Total Loans

Union of Banks of Armenia


Union of banks of armenia

Banking Area Development Trends

Total Acquired Securities

Union of Banks of Armenia


Union of banks of armenia

Banking Area Development Trends

Balance Profit

Union of Banks of Armenia


Union of banks of armenia

Presentation of Separate Banks

Union of Banks of Armenia


Union of banks of armenia

ACBA-Credit Agricole Bank CJSC

  • Total Capital –€ 38.2 mln

  • Assets –€ 110.3 mln

  • Loans –€ 68 mln

  • Securities Acquired –€ 15.8 mln

  • Liabilities –€ 72.1 mln

  • Total Deposits of Physical persons - € 21.3 mln

  • Branches –16

  • Employees –422

ACBA Assets

Union of Banks of Armenia


Union of banks of armenia

Anelik Bank Ltd.

AnelikBankAssets

  • Total Capital –€ 10.06 mln

  • Assets –€ 61.8 mln

  • Loans –€ 29.9 mln

  • Securities Acquired –€ 0.7 mln

  • Liabilities –€ 51.8 mln

  • Total Deposits of Physical persons - € 14.2 mln

  • Branches –8

  • Employees –427

Union of Banks of Armenia


Union of banks of armenia

Ararat Bank CJSC

AraratBankAssets

  • Total Capital –€ 8.01 mln

  • Assets –€ 17.8 mln

  • Loans –€ 6.1 mln

  • Securities Acquired –€ 7 mln

  • Liabilities –€ 9.84 mln

  • Total Deposits of Physical persons - € 0.57 mln

  • Branches –3

  • Employees –88

Union of Banks of Armenia


Union of banks of armenia

ArdshininvestbankCJSC

ArdshininvestbankAssets

  • Total Capital –€ 23.18 mln

  • Assets –€ 144.45 mln

  • Loans –€ 65.1 mln

  • Securities Acquired –€ 30.6 mln

  • Liabilities –€ 121.3 mln

  • Total Deposits of Physical persons - € 27.4 mln

  • Branches –51

  • Employees –976

Union of Banks of Armenia


Union of banks of armenia

Areximbank CJSC

AreximbankAssets

  • TotalCapital –€ 6.64 mln

  • Assets –€ 28.5 mln

  • Loans –€ 15.8 mln

  • Securities Acquired –€ 0.4 mln

  • Liabilities –€ 21.9 mln

  • Total Deposits of Physical persons - € 11.5 mln

  • Branches –8

  • Employees –181

Union of Banks of Armenia


Union of banks of armenia

Armbusinessbank CJSC

ArmbusinessbankAssets

  • Total Capital –€ 5.7 mln

  • Assets –€ 34.7 mln

  • Loans –€ 12.4 mln

  • Securities Acquired –€ 6.5 mln

  • Liabilities –€ 29 mln

  • Total Deposits of Physical persons - € 5.4 mln

  • Branches –1

  • Employees –99

Union of Banks of Armenia


Union of banks of armenia

ArmeconombankOJSC

Armeconombank Assets

  • Total Capital –€ 14.37 mln

  • Assets –€ 91.8 mln

  • Loans –€ 42.6 mln

  • Securities Acquired –€ 15.9 mln

  • Liabilities –€ 77.4 mln

  • Total Deposits of Physical persons - € 22.3 mln

  • Branches –43

  • Employees –622

Union of Banks of Armenia


Union of banks of armenia

ArmenianDevelopmentBank OJSC

ADBAssets

  • Total Capital –€ 7.9 mln

  • Assets –€ 19.3 mln

  • Loans –€ 9.2 mln

  • Securities Acquired –€ 4.2 mln

  • Liabilities –€ 11.4 mln

  • Total Deposits of Physical persons - € 5.3 mln

  • Branches –0

  • Employees –72

Union of Banks of Armenia


Union of banks of armenia

Armimpexbank CJSC

ArmimpexbankAssets

  • Total Capital –€ 7.08 mln

  • Assets –€ 23.6 mln

  • Loans –€ 7.2 mln

  • Securities Acquired –€ 10.4 mln

  • Liabilities –€ 16.5 mln

  • Total Deposits of Physical persons - € 1.5 mln

  • Branches – 0

  • Employees –49

Union of Banks of Armenia


Union of banks of armenia

ArmSwissBank CJSC

ArmSiwissBankAssets

  • Total Capital –€ 6.4 mln

  • Assets –€ 20.4 mln

  • Loans –€ 5.2 mln

  • Securities Acquired –€ 4.3 mln

  • Liabilities –€ 14 mln

  • Total Deposits of Physical persons - € 2.6 mln

  • Branches –0

  • Employees –57

Union of Banks of Armenia


Union of banks of armenia

Artsakhbank CJSC

ArtsakhbankAssets

  • Total Capital –€ 8.28 mln

  • Assets –€ 47.8 mln

  • Loans –€ 27.7 mln

  • Securities Acquired –€ 8 mln

  • Liabilities –€ 39.5 mln

  • Total Deposits of Physical persons - € 5.5 mln

  • Branches –14

  • Employees –275

Union of Banks of Armenia


Union of banks of armenia

BTAInvestbank CJSC

BTAInvestbankAssets

  • Total Capital –€ 6.8 mln

  • Assets –€ 19.99 mln

  • Loans –€ 12.6 mln

  • Securities Acquired –€ 1.7 mln

  • Liabilities –€ 13.2 mln

  • Total Deposits of Physical persons - € 0.6 mln

  • Branches –2

  • Employees –80

Union of Banks of Armenia


Union of banks of armenia

CascadeBank CJSC

CascadeBankAssets

  • Total Capital –€ 9.77 mln

  • Assets –€ 18.4 mln

  • Loans – € 6.3 mln

  • Securities Acquired –€ 5.9 mln

  • Liabilities –€ 8.6 mln

  • Total Deposits of Physical persons - € 2.9 mln

  • Branches –0

  • Employees –53

Union of Banks of Armenia


Union of banks of armenia

ConverseBank CJSC

ConverseBankAssets

  • Total Capital –€ 20 mln

  • Assets –€ 74.2 mln

  • Loans – € 26.5 mln

  • Securities Acquired –€ 5.7 mln

  • Liabilities –€ 54.2 mln

  • Total Deposits of Physical persons - € 20.1 mln

  • Branches –16

  • Employees –356

Union of Banks of Armenia


Union of banks of armenia

HSBCAssets

HSBCBankArmenia CJSC

  • Total Capital –€ 15.08 mln

  • Assets –€ 167.5 mln

  • Loans –€ 64.6 mln

  • Securities Acquired –€ 40.9 mln

  • Liabilities –€ 152.5 mln

  • Total Deposits of Physical persons - € 78.5 mln

  • Branches –1

  • Employees –185

Union of Banks of Armenia


Union of banks of armenia

Inecobank CJSC

InecobankAssets

  • Total Capital –€ 12.8 mln

  • Assets –€ 46.88 mln

  • Loans –€ 25.3 mln

  • Securities Acquired –€ 4.8 mln

  • Liabilities –€ 34.1 mln

  • Total Deposits of Physical persons - € 12.6 mln

  • Branches –4

  • Employees –217

Union of Banks of Armenia


Union of banks of armenia

ITBBank CJSC

ITBBankAssets

  • Total Capital –€ 6.3 mln

  • Assets –€ 11.59 mln

  • Loans –€ 5.6 mln

  • Securities Acquired –€ 1.2 mln

  • Liabilities –€ 5.3 mln

  • Total Deposits of Physical persons - € 1.6 mln

  • Branches–4

  • Employees –110

Union of Banks of Armenia


Union of banks of armenia

MellatBank CJSC

MellatBankAssets

  • Total Capital –€ 7.7 mln

  • Assets –€ 19.5 mln

  • Loans –€ 7.1 mln

  • Securities Acquired –€ 7 mln

  • Liabilities – € 11.8 mln

  • Total Deposits of Physical persons - € 5.2 mln

  • Branches – 0

  • Employees –30

Union of Banks of Armenia


Union of banks of armenia

PrometeyBank LLC

PrometeyBankAssets

  • Total Capital –€ 9.08 mln

  • Assets –€ 17.86 mln

  • Loans –€ 5.9 mln

  • Securities Acquired –€ 1.6 mln

  • Liabilities –€ 8.8 mln

  • Total Deposits of Physical persons - € 3.8 mln

  • Branches –2

  • Employees –75

Union of Banks of Armenia


Union of banks of armenia

Unibank CJSC

UnibankAssets

  • Total Capital –€ 7.9 mln

  • Assets –€ 64.7 mln

  • Loans –€ 30.9 mln

  • Securities Acquired –€ 7.3 mln

  • Liabilities –€ 56.8 mln

  • Total Deposits of Physical persons - € 31.9 mln

  • Branches –27

  • Employees –393

Union of Banks of Armenia


Union of banks of armenia

VTBBank(Armenia) CJSC

VTBBankAssets

  • Total Capital –€ 19.5 mln

  • Assets –€ 95.36 mln

  • Loans –€ 57.7 mln

  • Securities Acquired –€ 10.5 mln

  • Liabilities –€ 75.9 mln

  • Total Deposits of Physical persons - € 26.7 mln

  • Branches –98

  • Employees –927

Union of Banks of Armenia


Union of banks of armenia

50 000

38 202

40 000

Total Capital (mln Euro)

23 179

30000

20 012

19 496

15 081

14 373

12 807

20000

10 056

9 772

9 076

8 277

8 009

7 924

7 917

7 731

7 084

6 800

6 645

6 400

6 316

5 677

10 000

-

ITB

ADB

VTBBank

Unibank

Inecobank

HSBCBank

AnelikBank

MellatBank

AraratBank

Areximbank

ConverseBank

Artsakhbank

CascadeBank

ACBA-Credit Agricole Bank

PrometeyBank

Armeconombank

Armimpexbank

ArmSwissBank

BTAInvestbank

Armbusinessbank

ARDSHININVESTBANK

ComparativeChartonTotalCapital

Union of Banks of Armenia


Union of banks of armenia

167544

200 000

144447

160 000

110278

95 355

91 810

Total Assets (mln Euro)

120 000

74243

64719

61 816

80 000

47795

46 883

34 691

28518

23605

20 427

19986

19547

19333

18 392

17863

17843

11590

40000

-

ITB

ADB

Bank

Unibank

Inecobank

Areximbank

AraratBank

MellatBank

AnelikBank

Artsakhbank

CascadeBank

Armimpexbank

ConverseBank

PrometeyBank

ArmSwissBank

BTAInvestbank

Armeconombank

Armbusinessbank

HSBC Bank Armenia

VTB Bank (Armenia)

ARDSHININVESTBANK

ACBA-CreditAgricole

ComparativeChartonAssets

Union of Banks of Armenia


Union of banks of armenia

SupervisionInstitute

CentralBankofArmenia

The Central Bank of Armenia (CBA) is a legal entity empowered with state functions of banking and financial system supervision.

Primary goal of the CBA is price stability in the Republic of Armenia. The CBA coordinates the primary goal with the Government of Armenia, as stipulated by the Armenian Law on State Budget, and approved by the National Assembly of Armenia. The CBA itself decides on the strategy of monetary policy it implements and target (intermediate and operational) indicators that are contained in the monetary policy program and subject to presentation to the National Assembly. The program outlines the main directions of the monetary policy and the monetary instruments which the CBA uses in order to fulfill its objectives.

CBA is vested with authority to ensure necessary conditions for a stable, liquid, solvent and normally functioning banking system and defend interest of lenders and depositors. The divisional structure of CBA is as follows:

Banking Supervision Department, Banking Methodology and Analyses Department, Statistics Department and Legal Department

  • The average number of CBA staff in 2005 was 532 which is around 9.7% of banking area staff.

Union of Banks of Armenia


Union of banks of armenia

15

16

14

12

5

5

10

3

3

3

3

8

Total number of member banks

2

2

1

6

4

1

1

2

0

0

0

STEFI

Lider

Bistraya Pochta

Anelik

Migom

Contact

Travelex

Western

Armenian

Unistream

STBExpress

MoneyGram

PrivatMoney

Interexpress

InternationalTransfers

  • Commercial Banks in Armenia are included totally in 12 international transfer sytems

  • The key systems available are Western Union, Money Gram, Anelik, Unistream, Contact, etc

Total Turnover at 2005: € 0.6 billion (out : € 0.07 billion, in :€ 0.5 billion)

Union of Banks of Armenia


Union of banks of armenia

InternationalTransfers

2005

Transfer Volumes

Number of Transfers

SWIFT

Out - € 6.5 billion

In – € 6.1 billion

Union of Banks of Armenia


Union of banks of armenia

Transfers of physical persons via RA banks

for non-commercial purposes

Figures are in mln AMD

Transfers - In


Union of banks of armenia

PlasticCardsinArmenia

  • Armenian Card (ArCa):

    • Armenian Card was established by Central Bank of RA and 10 trade banks in March 2000 with the goal of establishment and development a new payment system. The Company presents service package, which gives an opportunity to banks to issue and acquire ArCa Classic, ArCa Gold, ArCa Business, ArCa Debit, ArCa Affinity, ArCa Co-branded and ArCa Platinum, using the modern technical, technologies and software of the processing centre, as well as the Company's professional assistance.

      • Principle members – 17 banks

      • The right to issue – 1 bank

  • Visa Card

    • - Principle members– 7 banks

  • MasterCard

    • - Principle members– 2 banks

    • - Affiliates – 10 banks

Union of Banks of Armenia


Union of banks of armenia

Total Plastic Cards in Armenia

177,957

Total ATMs and POS-Terminals

PlasticCards

2006


Union of banks of armenia

Total plastic cards issued in 2006:

89,460

Total terminals installed in 2006:

356

Transactions at the banks

operating in Armenia and

NKR

Volume

€ 196.6 mln

Quantity

2,316,000 transactions

Total transactions via ATMs

Volume

€ 129.7 mln

Quantity

1,838,300 transactions

PlasticCards

2006


Union of banks of armenia

2006

Number of Transactions

Volume of Transactions

million Euro

Total: € 220 mln

Total: 2,492,200

PlasticCards

Union of Banks of Armenia


Union of banks of armenia

UnionofBanksofArmenia

  • Union of Banks of Armenia (UBA) is non-commercial union of legal entities, which was founded in May 1995. Conceptual and continuous goal of UBA is directed to sustaining of member banks interests. With this task we are working on finding solutions for acceptable supervision, legislation, adopting international best practice and innovations and in general – building appropriate conditions for sustainable development of banking industry in Armenia.

  • From 21 banks operating in Armenia 19 are members of UBA currently.

  • UBA is going on with following tasks:

  • supporting of banking relations development and strengthening, systemizing of member banks long term

    projectsimplementation,

  • taking part in creating and expertise of Armenian legislation connected with banking and financial activities

    and presenting at National Assembly,

  • providing to banks such information as international banking materials, possible channels of cooperation,etc.,

  • supporting in banking innovations, helping banking area to be integrated to international banking system, and

    capturing of international standards,

  • Executive education and trainings for management,

  • organization of seminars, conferences and workshops.

Union of Banks of Armenia


Union of banks of armenia

UnionofBanksofArmenia

UBA is actively cooperating with Central Bank of Armenia (CBA), National Assembly of RA, Government and other state bodies of the Republic of Armenia. The aim of mentioned cooperation is promotion of favorable environment for banking activity. Management of UBA is constantly participating at board meetings of CBA, which allows expressing banking area joint opinion concerning discussing questions. Representative of CBA is also constantly taking part in UBA's Board meetings, which allows banks to take into account CBA's position during making decisions. Collaboration with other state bodies is based on necessity concerning separate questions.

UBA is also cooperating with various international and local NGO's. Continuous works on mutual projects are organizing.

UBA places proper attention to international relations. During 2004 UBA has agreed on mutual cooperation with around 15 international banking associations and other banking institutes. Memorandums of understanding have been signed with Association of Russian Banks (2003), Hellenic Banks Association and Association of Financiers of Kazakhstan. During 2005 UBA intended to sign similar memorandums with other associations.

In summer 2004 UBA applied to European Banking Federation (FBE) for becoming associative member. In December 2004, reviewing presented application materials FBE Executive Board has positively approved UBA's application. According to FBE's rules, the final decision of membership will discussed in 1 April 2005 during 30th FBE Board meeting and UBA approved officially as FBE’s associative member.

FBE has 35 National Banking Associations as its members from all across the Europe, and it represents the interests of over 4,500 banks with over 2 million employees and total assets of over 20 trillion euros. 15 members of FBE are associative members (Russian Federation, Latvia, Estonia, Holland,, etc). From CIS countries the only member is Russian Federation.

Union of Banks of Armenia


Union of banks of armenia

UnionofBanksofArmenia

OurMembers

Union of Banks of Armenia


Union of banks of armenia

Thank

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Union of Banks of Armenia


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