AraratBank summarizes 2025 results at Annual General Meeting of Shareholders

On June 24, 2026, AraratBank held its Annual General Meeting of Shareholders. In 2025, the Bank strengthened its position in the banking sector, expanded its services, and established significant partnerships with leading international financial institutions.

“We recorded encouraging results and sustained growth during the year. Greater emphasis is placed on the Bank’s vision for the years ahead, particularly in terms of delivering new, high-quality services to our customers. In this regard, I would especially highlight AraratBank’s continued enhancement of its digital banking offerings. Our customers can expect the Bank to introduce a number of new products and solutions in the near future,” said Vakhtang Abrahamyan, Chairman of the Executive Board and Chief Executive Officer of AraratBank.

Hovhannes Khachatryan, Deputy Governor of the Central Bank of Armenia, said: “AraratBank continues to invest considerable effort in further improving its governance framework, strengthening its risk management, and advancing the use of information technologies. We are confident that AraratBank will continue to be one of the significant and resilient institutions of Armenia’s financial sector and will continue to deliver high-quality services to its customers while effectively mitigating risks, as it has consistently done over the past decades.”

As of year-end 2025, the Bank’s total assets amounted to AMD 423,263 million.

The Bank’s total equity stood at AMD 78,734 million, representing an increase of AMD 8,903 million, or 12.7%, compared to the end of the previous year.

In 2025, the Bank’s total loan portfolio accounted for 55.3% of total assets.

Growth was recorded across all lending segments. Compared to the previous year, loans to legal entities increased by 10.2%, retail loans by 5.6%, and finance lease volumes by 41%.

At the end of 2025, the Bank’s total liabilities amounted to AMD 344,529 million, while term deposits stood at AMD 151,821 million at the end of the reporting year.

The Bank’s net profit for 2025 totaled AMD 11,705 million.

Speaking about AraratBank’s new vision, Vakhtang Abrahamyan, Chief Executive Officer, noted: “In the coming years, the Bank’s activities will focus on several strategic priorities, including delivering sustainable financial performance, continuously enhancing the customer experience, advancing digital transformation, further strengthening risk management, compliance, cybersecurity, and operational resilience, as well as supporting the professional development of our employees.”

These priorities will guide AraratBank’s future development as it continues its transformation into a more efficient, technology-driven, and customer-centric financial institution.

The Annual General Meeting of Shareholders was followed by a gala reception held under the theme “35 Years of Trust,” bringing together representatives of the financial and business communities, international organizations, foundations, non-governmental organizations, the IT sector, the diplomatic corps, as well as the Bank’s clients and partners.

This year also marks the fifth anniversary of AraratBank’s corporate social responsibility initiatives. Over the past five years, the Bank implemented numerous programs in the fields of education, healthcare, culture, environmental sustainability, social entrepreneurship, and community development, in cooperation with dozens of non-governmental organizations and foundations. During the gala reception, AraratBank also presented a highlight video showcasing its 2025 CSR initiatives, offering a snapshot of the Bank’s efforts to contribute to sustainable development and create tangible social impact.

“The role of AraratBank in the Matenadaran’s remarkable development, particularly in the preservation of manuscript heritage, is difficult to overstate. The Bank has become one of the key guarantors of the preservation of both Armenian and international manuscript heritage. Together with the Bank, we established a laboratory for biochemical research of manuscripts and fully modernized the security and video surveillance systems of the museum and the research facilities. AraratBank is also the long-standing sponsor of our annual international seminar, which over the past 15 years has brought together more than 145 organizations from around the world. AraratBank’s engagement, however, cannot be described merely in terms of sponsorship or support. The Bank is a true partner of the Matenadaran, sharing its values and sense of responsibility,” said Ara Khzmalyan, Director of the Matenadaran.

AraratBank is regulated by the Central Bank of Armenia.