Ameriabanki finansakan tnoren Hovhannes Toroyany harcazruyc e tvel Global Markets amsagrin: nerkayacnelov Banki razmavarutyunn u himnakan gorconnery, voronq apahovel en Ameriabanki hajoghutyuny Hayastani bankayin hamakargum։

Harcazruycn amboghjutyamb hasaneli e storev։

- Voronq ein Dzer banki razmavarakan himnakan ughghutyunnery naxord tarva yntacqum:

- Ameriabanky Hayastanum arajatar finansakan hastatutyun e arden grete mek tasnamyak: Teev 2022 tvakanin hamashxarhayin tntesutyan hamar sksvec anoroshutyan hertakan phuly, menq karoghacanq pahpanel ev aveli amrapndel mer dirqery: verahastatelov kayun, zhamanakakic, mrcunak ev atchi zgali neruzh unecogh finansakan hastatutyan hambavy։

Verjin vec amsva yntacqum himnakan sheshty drvec tvayin phoxakerpman, hamapatasxanutyan gorcaruyti apahovman ev riskeri karavarman vra, voronq menq hamarum enq mer hetaga atchi himnakan sharzhich uzhy:

- Andradarnalov Dzer banki naxord tarva finansakan cucanishnerin: karogh eq nshel karevoraguyn keteric mi qanisy:

- Ameriabanky finansakan cucanisheri, inchpes naev nor carayutyunneri u texnologianeri mshakman ughghutyamb hatkanshakan dzerqberumner e unecel։ Naxord tarva yntacqum menq sharunakabar nerdrumner katarecinq tvaynacman ughghutyamb, barelavecinq mer hatchaxordneri bavararvacutyan cucanishery, nerqin ardyunavetutyuny, ardiakanacrinq mer carayutyunnery ev parzecrinq mer gorcyntacnery: Karoghacanq pahpanel Banki caxseri ev ekamutneri haraberakcutyan 40%-ic cacr cucanishy: Banky grancec shahutaberutyan tpavorich cucanisher kapitali ev iracveliutyan amur dirqerov: Kapitali tarekan ekamtaberutyuny kazmec 28%, zut tokosayin marzhan: 5.4%: Baci ayd, Banky grancec voch tokosayin ekamuti tpavorich atch: Hamadzayn mer razmavarutyan: manracax ev PhMDz varkery kazmecin yndhanur varkeri aveli qan 60%-y: Manracax portfeli baghadryal mijin tarekan atchi tempy eramya ktrvacqov kazmec 30%, isk PhMDz varkeriny: 17,2%: Banky pahpanec ev sharunakec riskeri karavarman volortum ir kayun qaghaqakanutyuny:

Xndraharuyc varkeri cucanishy sharunakabar barelavvec bolor ughghutyunnerov: 2022 tvakanin kazmelov 2,9%: Naxord erku tarva yntacqum patshatch pahustavorman shnorhiv varkayin riski arzheqy kazmec shurj 0%: Mievnuyn zhamanak Ameriabankn apahovec spasarkman gerazanc vorak: Ayd masin en vkayum hatchaxordneri havatarmutyan cucanishy (NPS), vory kazmec aveli qan 75%, ev hatchaxordneri bavararvacutyan cucanishy: 9.5 miavor 10 miavoric:

- Dzer ynkerutyan vor zargacogh ughghutyunnerum eq nerdrumner katarel ev naxatesum eq ardyoq sharunakel nerdrumnery:

- Vorpes bank, vory kangnac e eghel Hayastani bankayin volorti kayacman ev dra phoxakerpman akunqnerum: Ameriabanky sharunakum e nerdrumner katarel teghekatvakan texnologianeri (TT) ev tvaynacman volortum: havatarim mnalov ir razmavarakan arajnahertutyunnerin: Hashvi arnelov hatchaxordneri atchi cucanishery: menq naxatesum enq kentronacnel mer uzhery carayutyunneri ev arajarkneri xachadzev vatcharqi, inchpes naev hatchaxordnerin aveli norarar carayutyunner arajarkelu ughghutyamb: Mievnuyn zhamanak, mshakvum en mi sharq gorcoghutyunner, voronq ughghvac en tntesutyan arandzin hatvacnerum nor hnaravorutyunneri bacahaytmany, hatkapes aynpisi hnaravorutyunneri, voronq knpasten naev bankayin gorcarqneri ev voch tokosayin ekamuti atchin: Karevor e nshel, vor Banki bolor gorcarqneri 90%-ic avelin irakanacvum e Banki masnatchyugheric durs:

Ev verjapes menq ksharunakenq yndlaynel ev zargacnel mardkayin kapitaly, inchpes naev barelavel ashxatanqi ardyunavetutyunn u ashxatakicneri motivacian aktiv dasyntacneri ev verapatrastumneri mijocov:

- Shrjaka mijavayri, socialakan ev korporativ karavarman aspektnery ev kayunutyuny bankayin volorti karevoraguyn razmavarakan ughghutyunneric en: Inchpisi eakan naxadzernutyunnerov e handes ekel Dzer banky naxord tarva yntacqum, voronq cuyc en talis, te vorqan karevor en nshvac aspektnery ev kayunutyuny Dzer hastatutyan hamar:

- Vorpes Hayastani finansakan hamakargi arajatar: Aﬔriabanky gitakcum e arancqayin der unenalu ir patasxanatvutyuny erkri kayun apaga karucelu gorcum: Menq gitakcum enq, vor klimayi phophoxutyuny ev bnapahpanakan nmanatip riskern aysorva hasarakutyan glxavor martahraverneric en: Dranq steghcum en bnapahpanakan, tntesakan ev socialakan eakan risker, voronq xochyndotum en erkarazhamket atchn u zargacumy: Menq ajakcum enq MAK-i Kayun zargacman npatakneri (KZN) iragorcmany ev dra shrjanakum finansavorum enq verakangnvogh energiayi, energaardyunavetutyan, maqur elektraenergiayi hasaneliutyan, «kanach» transporti ev texnologianeri zargacman volortum katarvogh nerdrumnery: aydpisov tarber naxagceri mijocov ajakcelov naev zargacman cacr makardak unecogh hamaynqnerin: 2009-ic i ver Ameriabanky tarber mijazgayin finansakan hastatutyunneri ajakcutyamb nman cragreri finansavormann e ughghel aveli qan 250mln AMN dolar:

Ameriabanky Hayastanum kanach partatomser togharkogh arajin bankn e ev ays volorti arajatary:

2020 tvakanic i ver menq togharkel enq aveli qan 60 milion AMN dolari kanach partatoms։

- Bankeri mijev tezh mrcakcutyun e norararakan tvayin bankayin carayutyunneri mshakman u nerdrman volortum: Inch nor ev nshanakali nerdrum e katarel Dzer banky tvayin bankayin carayutyunneri volortum naxord tari ev inch hajoghutyun e grancel:

- Tvayin volortum sparoghneri varqagci sryntac phoxakerpman fonin menq karoghacel enq xostumnalic ardyunqner apahovel mer carayutyunneri diversifikacman ev tvaynacman ughghutyamb:

Patasxanatvutyun, tchkunutyun, norararakan mtacelakerp ev mshakuyt, vori himqum hatchaxordneri kariqnery bavararelu cankutyunn e. ays ameny kazmum e tvayin phoxakerpman hajoghutyan banadzevy:

Ays hamateqstum, naxord erku tarin ushagrav er hamaparphak tvayin ekohamakargi mshakman ev gorcarkman arumov: Shukayum ir tesaki mej arajiny hamarvogh ays gorciqy bankayin ev voch bankayin carayutyunnery miavorogh mek hamakarg e, vorn yndgrkum e avtomeqenaneri shukan, hiphoteqayin shukan, elektronayin arevtury, inchpes naev ezaki ekohamakarg PhMDz-neri hamar: varkayin hayteri arcanc nerkayacman ev meqenayakan usucman vra himnvac varkunakutyan gnahatman arajadem hnaravorutyunnerov:

- Hamashxarhayin tntesutyan herankary bazmativ martahraverner e parunakum: Voronq en ayn himnakan riskery ev tntesakan martahravernery, voronc Dzer banky karogh e handipel arajika 12 amsva yntacqum:

- Hayastann ays tari zgali tntesakan atch e grancel, sakayn derevs kan bazmativ anoroshutyunner, teghi en
unenum phophoxutyunner, tntesutyan voroshaki tchyugher phoxakerpvum en, hamashxarhayin matakararman
shghtanerum teghi en unenum teghasharzher, voronq der nor petq e irenc azdecutyunn unenan erkri tntesutyan
vra։

Teev nshvac anoroshutyunnery dzhvaracnum en erkri arajatar finansakan hastatutyan karavarumy, tvarkvac martahravernery naev bazmativ hnaravorutyunner en steghcum: Tokosadruyqneri aknkalvogh atchi, riski voroshaki parametreri vattaracman, klimayi phophoxutyunnerin arnchvogh gorcoghutyunneri anhrazheshtutyan atchi ev mer hatchaxordneri shrjanum tvayin gajetneric kaxvacutyan atchi paymannerum Ameriabanky ksharunaki kentronanal tvyalahen tvayin phoxakerpman, riskeri patshatch karavarman ev shrjaka mijavayri, socialakan u korporativ karavarman ughghutyunneri yndlaynman vra: hasnelu mer araqelutyan irakanacmany, ayn e: barelavel mardkanc kyanqi voraky: