Individuals and businesses, near and far, all welcome

• Ameriabank manages to be client-focused enough to feel personal and large enough to have major clout
• It is a universal bank with a full portfolio of financial services

Ameriabank offers impactful services to individuals and large businesses alike with everyone equal.

As Armenia becomes defined by restored connectivity and investor confidence, Ameriabank stands at the forefront of the country’s financial transformation. Under the leadership of Artak Hanesyan, the bank has evolved into a cornerstone institution, one that combines scale with innovation.

Ameriabank has long differentiated itself by redefining how banking is done in Armenia. “Ameriabank isn’t just a business, it is an environment built around people,” Hanesyan explained. The bank was the first to introduce a truly client-centric model, designed around personalization and long-term relationships. “We operate like a boutique bank in terms of personalization, but with the scale and openness of a universal bank,”serving corporate and retail clients, investors and the broader community.

Today, “99% of client transactions happen outside branches,” online banking penetration has reached 80% and more than 30% of Armenia’s bankable population banks with Ameriabank, despite the institution operating just 28 branches nationwide.

Platforms such as MyAmeria, MyHome, MyCar and MyInvest enable seamless onboarding, lending, investing and property transactions, serving residents, non-residents and diaspora clients alike.

For SMEs, the bank has created a fully digital ecosystem that allows businesses to register, open accounts and receive scoring-based loans online. “Instead of competing on financial terms, we compete on quality and service,” Hanesyan noted. Female entrepreneurs are equally serviced: over the last 12 months, the bank has closed transactions worth about $800 million, a significant portion of which will go toward supporting women and MSMES. “Women-owned and women-managed companies tend to be highly responsible and transparent,” he added, “and we truly enjoy working with them.”

Size and scale give greater reach

Ameriabank’s scale also enables it to finance Armenia’s largest ambitions. With a loan portfolio of about $4.5 billion and relationships with around 80% of the country’s top 1,000 taxpayers, the bank is a leading financier of infrastructure, energy — including renewables — technology, agribusiness and mining. Many of Armenia’s landmark projects are fully or partially financed by Ameriabank, underscoring its capacity to support multi-hundred-million-dollar investments.

For investors and the diaspora, Ameriabank serves as a trusted gateway. Through its investment banking, legal and advisory capabilities, it supports deals from first interest to final execution.

Diaspora clients, particularly from California, can open accounts remotely, access tailored mortgages and invest while remaining closely connected to Armenia. Armenia is poised to emerge as a regional hub and Ameriabank is helping turn that promise into reality.