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Investors Presentation INVESTORS PRESENTATION as of 31.03.2015 Ameria Group at a Glance Armenia Macro Indicators Armenian Banking sector indicators Ameriabank Balance Sheet Ameriabank Income statement Ratios and Statements Annex 1: Ameriabank statements and Peers 1 Ameria Group at a glance Professional advisory and banking services unified by high‐level expertise and professional dedication ADVISORY: LEGAL, TAX CORPORATE, RETAIL AND PROPERTY MANAGEMENT INVESTMENT BANKING DEVELOPMENT The leader in the market of Universal bank with Company providing real professional advisory integrated corporate, retail estate development and services of Armenia (since and investment banking management services (since 1998) services (founded in 1910 as 2010) a branch of Caucasian Trade Bank) 2 Mission and values Towards excellence and diversity OUR MISSION OUR VALUES TO IMPROVE THE QUALITY OF LIFE BY: Providing WORLD‐CLASS financial Client‐oriented approach and superior service 1 services and business solutions 1 quality to our customers Implementing business and social projects Trust and satisfaction of our clients 2 significantly impacting the 2 WELL‐BEING of the society Creating unique corporate culture and Principles of business ethics and information 3 development model of an international 3 transparency company, uniting the efforts of SUCCESSFUL PEOPLE Consistently INCREASING our High level of professionalism and 4 SHAREHOLDER VALUE 4 team spirit 3 Our partners and Directors Names talk for themselves ANDREW MKRTCHYAN RUBEN VARDANIAN NOUBAR AFEYAN ROBERT VON REKOWSKY GOR NAKHAPETYAN Chairman of the Board (CEO, Board Member (Chairman of PhD Board Member Independent Board Member Board Member (Dean's Ameria Group) the Board, IDEA Foundation) (MP/CEO, Flagship Ventures) (VP, Emerging Mkt Strategy, Advisor, Moscow School of Fidelity Investments) Management SKOLKOVO) 19 years of experience in Prominent investment More than 25 years of 26 years of experience in More than 20 years of investment and banker with more than 21 experience in venture capital global asset management experience in managing one management advisory by years of experience, key management (co‐founder of and portfolio management of the largest investment standing at the roots of figure in Russia’s capital more than 24 life science experience, board member companies of Russia, investment banking markets establishment, a /high‐tech startups) and in a number of private/public member of the Supervisory establishment in Armenia, Founding Partner of Moscow lecturing at MIT, serves on a organizations. board of Multimedia Art board member in a number School of Management number of public and private Museum. of private/public SKOLKOVO , board member company boards. organizations. at numerous entities in Russia and abroad, member of the Economic Advisory Board at the IFC, the private‐ sector arm of the World Bank Group. 4 Our partners and Directors Names talk for themselves ARTAK HANESYAN GEVORG TARUMYAN DAVID SARGSYAN ARTHUR ANDREASYAN GAGIK SAHAKYAN CEO, Chairman of CFO, Deputy General Director, Legal, Ameria Director, Compliance, Director, Corporate Banking, Management Board, Director, Ameria Group Group Ameria Group Ameriabank Ameriabank Distinguished banker with More than 18 years of More than 14 years of 20 years of experience in the More than 5 years of more than 20 years of experience in financial experience in legal practice field of account‐ting, audit experience in corporate experience in banking management and 13 years of specialized in corporate, and tax. banking and more than 15 system of Armenia. experience as CFO in securities, banking and civil years experience in commercial banks of law. management advisory in a Armenia. number of private and international organizations. 5 Our partners and Directors Names talk for themselves TIGRAN JRBASHYAN ARMAN BARSEGHYAN ARNO MOSIKYAN ARTHUR BABAYAN BURASTAN MOVSISYAN SAMVEL AGHABABYAN Director, Development, Director, Retail Director, Investment Director, Trading, CTSO, Ameria Group Head, Security, Ameria Ameria Group Banking, Ameriabank Banking, Ameriabank Ameriabank Group More than 20 years of More than 15 years of More than 11 years of More than 15 years of More than 18 years of 16 years of experience research experience in experience in experience in IB, experience in trading experience in manage‐ in security systems of private and operations and retail advisory, portfolio in various commercial rial positions in various state and commercial international banking management management and risk banks of Armenia. areas of telecom‐ organizations. organizations, author in banking system of management from big munication industry, of books and over 130 Armenia. four advisory more than 10 years as scientific articles and companies and a top manager in sales publications. Investment Banks. and customer care. 6 Our Team: Who we are Dedicated team of more than 600 professionals 7 Recent Achievements: At a Glance MARKET POSITION Leadership in the market of 21 operating Banks per Q1 2015 results! 1st by Assets 1st by Liabilities 1st by Loan Portfolio 1st by Customer Deposits and Accounts 2nd by Net Profit Europe Banking Awards 2014, EBRD 2015 Annual Meeting & Business Forum 8 Recent Achievements: At a Glance RECENT ACHIEVEMENTS . Ameriabank Launched a new branch in Kapan providing full‐ scale retail and corporate banking services . Best Bank in Armenia 2015 by Global Finance Magazine for fourth consecutive year . Best trade finance Bank 2015 in Armenia by Global Finance MAJOR NEWS . The Best Bank of 2014 in Armenia by Euromoney Ameriabank and FMO signed an unprecedented USD 20mln convertible subordinated debt facility agreement in 2014 . Four awards recognition in NASDAQ OMX Armenia Best Exchange Member 2014” awards ceremony . 1st convertible subordinate debt transaction between an IFI and a local bank in the financial market of Armenia . Ameriabank and EBRD sign their 80th trade finance deal. FMO and Ameriabank cooperation dates back to 2009 . This unparalleled transaction allows FMO to become a shareholder upon conversion . As a shareholder upon conversion, FMO will support the Bank en route of opening up the institution for global capital markets in the mid‐term perspective. 9 Key strengths Building the future today CUTTING EDGE HUGE FINANCIAL GROWING HIGHLY TECHNOLOGY OPPORTUNITIES MARKET TRUST QUALIFIED HR Unparalleled Wide range of Leading team of western investments in IT financial/banking services Proven high quality of risk educated experienced platforms and and management professionals technological innovations products Customer relationship Large total capital, which ISO 9001:2008 Certificate Ongoing training, management (CRM) gives vast opportunities issued by TÜV Rheinland coaching and staff automated system of financing Germany development Expertise in major Leading the rankings by Well set partnership with Commitment to the best practice areas across assets, liabilities and research companies and common practice in more than 30 public and capital independent consultants corporate governance industry sectors 10 Range of services Individualized banking and advisory services tailored for specific needs CORPORATE BANKING RETAIL BANKING INVESTMENT BANKING ADVISORY . Lending . Consumer lending . M&A . Legal services . Trade financing . Mortgage . Corporate finance . Business advisory . Financial lease . Car loans . Capital markets . Financial advisory . Credit cards (Visa, . Factoring . Direct investment . Assurance and audit MC, ArCa) . Accounting and tax . Project financing . Deposit products . Asset management services . Salary projects . Metal accounts . Brokerage . HR consulting . Deposit products . Investment loans . Investment advisory . Project management 11 Corporate banking Most impressively growing business and lending loan portfolio in the market LOANS TRADE FINANCING SALARY PROJECTS DEPOSITS AND OTHER PRODUCTS Largest corporate loan The most dynamic player in About 434 salary projects with About triple increase in portfolio in the market worth factoring and leasing markets more than 43,794 employees international transfers in 2014 more than USD 501 mln with with correspondingly five 142% net growth over 5 years times and double increase in USD 221 mln corporate of operation 2014 deposits as of the yearend Leader in renewable energy financing Modern infrastructure of distance banking . Active SME and renewable . Financial lease and factoring . Salary projects for corporate . Wire transfers in shortest energy financing clients’ staff: periods . Wide range of bank guarantees . Credit lines and LCs (confirmation of . Plastic cards for salaries . Metal accounts and safe foreign highly ranked banks deposit boxes . Purchase order financing . Special deals on available, e.g. Deutsche bank, mortgages, car loans and . Flexible FX transacons . Customs card and overdraft Commerzbank, Citibank, BNP credit lines for employees based on credit turnover of Paribas, etc) . Corporate business cards accounts . Collections and Escrow . Wide range of deposits in . Project financing accounts various currencies and different options of maturity . Opportunity to lend more than USD 17 mln per client . Distance banking, e.g. online Ameriabank, bank‐client, call center, etc. 12 Retail banking Freedom to do more BANKING PACKAGES DEBIT AND CREDIT CARDS LOANS DEPOSITS AND OTHER PRODUCTS Unique practice in the One of the largest ATM Simplified process of loan Over 151% net Armenian market. networks in Yerevan and Applications growth of retail deposits in Customized
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