ArmInfo. Ameriabank and the Black Sea Trade and Development Bank (BSTDB) have signed an agreement for a subordinated loan of up to EUR 15 million to support private sector development and job creation in the country. According to Ameriabank, the new financing will support investments in SMEs and strengthen Armenia's private sector.
By strengthening Ameriabank's capital position and expanding its lending capacity, the BSTDB'financing will enable the bank to increase its financing of small and medium-sized enterprises (SMEs), an important driver of the Armenian economy.
According to the Financial Rating of Armenian Banks as of December 31, 2025, prepared by ArmInfo Investment Company, Ameriabank is the leader in corporate lending volume with 1.1 trillion drams ($2.8 billion), showing a 2.2-fold growth over the past three years and a 29.1% annual growth rate. Ameriabank ranks 2nd in SME lending - 335.2 billion drams ($879 million), with a 2-fold growth over the past three years and a 24% annual growth. SME lending accounts for 19% of the bank's loan portfolio, and Ameriabank's share of the total volume of such loans in the market exceeds 18%. Loans to SMEs account for over 31% of Ameriabank's corporate loan portfolio. Ameriabank is the most active lender to priority economic sectors-industry, agriculture, construction, and trade-with a total investment of AMD 852 billion ($2.2 billion). This represents over 79% of the bank's corporate loans, and their share of the bank's overall loan portfolio reaches 48%.
Ameriabank is a leading financial technology institution in Armenia and plays a vital role in the country's economy. As part of its digital transformation strategy, the bank introduces and continuously improves unique products, services, and innovative platforms designed to meet the financial and non-financial needs of its clients. As a dynamically developing fintech company, Ameriabank offers comprehensive solutions to improve quality of life.
