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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, 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

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  1. Union of Banks of Armenia Armenian Banking Area Developments and Trends Yerevan, Republic of Armenia, January 2007 Figures as at 01 January, 2007

  2. 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

  3. 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

  4. 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

  5. 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

  6. Banking Area Development Trends Total Capital Union of Banks of Armenia

  7. Banking Area Development Trends Total Assets Union of Banks of Armenia

  8. Banking Area Development Trends Total Loans Union of Banks of Armenia

  9. Banking Area Development Trends Total Acquired Securities Union of Banks of Armenia

  10. Banking Area Development Trends Balance Profit Union of Banks of Armenia

  11. Presentation of Separate Banks Union of Banks of Armenia

  12. 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

  13. 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

  14. 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

  15. 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

  16. 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

  17. 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

  18. 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

  19. 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

  20. 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

  21. 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

  22. 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

  23. 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

  24. 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

  25. 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

  26. 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

  27. 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

  28. 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

  29. 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

  30. 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

  31. 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

  32. 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

  33. 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

  34. 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

  35. 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

  36. 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

  37. InternationalTransfers 2005 Transfer Volumes Number of Transfers SWIFT Out - € 6.5 billion In – € 6.1 billion Union of Banks of Armenia

  38. Transfers of physical persons via RA banks for non-commercial purposes Figures are in mln AMD Transfers - In

  39. 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

  40. Total Plastic Cards in Armenia 177,957 Total ATMs and POS-Terminals PlasticCards 2006

  41. 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

  42. 2006 Number of Transactions Volume of Transactions million Euro Total: € 220 mln Total: 2,492,200 PlasticCards Union of Banks of Armenia

  43. 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

  44. 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

  45. UnionofBanksofArmenia OurMembers Union of Banks of Armenia

  46. Thank You ... Union of Banks of Armenia

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