In  Armenia`s interbank foreign exchange market from December 1 to 5,  2025, dollar transactions decreased, while  ruble transactions  increased

 Friday, December 5 2025 23:56:00
In  Armenia`s interbank foreign exchange market from December 1 to 5,  2025, dollar transactions decreased, while  ruble transactions  increased

ArmInfo. In the Armenian interbank foreign exchange market from December 1 to 5, 2025, dollar transactions decreased, while the ruble transactions significantly increased. Euro transactions have been on hold for seven months. Specifically, the decline in dollar transactions lingered at 24%,  while the growth of ruble transactions accelerated sharply from 57% to 2.1 times,  allowing the weekly volume of ruble transactions to  maintain its dominance over dollar transactions, with the gap widening from 1.2 times to 3.6 times.

AraratBank Participates in “Women’s Empowerment Principles in Armenia” Conference
 Friday, December 5 2025 18:03

ArmInfo.  AraratBank participated in "Women's Empowerment Principles in Armenia: Promoting Inclusive and Equitable Economic Growth" conference held by UN Women in Yerevan.

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Ardshinbank Lowers Interest Rates on Unsecured Consumer Loans
 Friday, December 5 2025 12:07

ArmInfo. Ardshinbank has improved the terms of its unsecured consumer loans by reducing the nominal interest rate to starting from 12.9%.

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IMF approves new three-year SBA (Stand-By Arrangement) with Armenia  amounting to $175 million
 Thursday, December 4 2025 19:03

ArmInfo. The Executive Board of the International Monetary Fund (IMF) approved a new three-year SBA (Stand-By Arrangement) with Armenia amounting to SDR 128.8 million, or approximately $175 million (100% of Armenia's IMF quota). The IMF also completed the previous, sixth review of the SBA,  set to expire on December 11, 2025, as noted in a statement issueed by the IMF.

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CBA head  announces international insurance group entering Armenian  market
 Thursday, December 4 2025 17:22

ArmInfo."I recently learned that the Austrian company GRAWE Group and the German C-Quadrat Investment Group have expressed interest in the Armenian  insurance market. Experts have informed  me this is a very important event," as stated by Prime Minister Nikol Pashinyan during a regular government session on December 4, asking the head of the Central Bank why this development was significant.

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Ardshinbank recognized as “Bank of the Year” in Armenia for the fifth time by The Banker magazine
 Thursday, December 4 2025 16:34

ArmInfo. The Banker, a prestigious magazine belonging to the Financial Times Group that has been tracking financial sector developments in the world for nearly a century, annually evaluates banks’ performance by analyzing their financial results, innovative programs, strategic initiatives, and the quality of customer service.

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National Assembly of Armenia adopted  draft state budget for 2026
 Thursday, December 4 2025 16:09

ArmInfo.The National Assembly of Armenia adopted the draft state budget for 2026 during its plenary session on December 4. Sixty-five members voted in favor,  27 voted against, and three abstained.  

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In 2025, improving public sector attractiveness and competitiveness   to cost  state treasury  additional $9 million
 Thursday, December 4 2025 15:35

ArmInfo. In 2025, the Armenian government will allocate around 3.6 billion drams to reward highly productive civil servants and those engaged in self-education.   The corresponding decision was made during a government session on  December 4.

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Acba bank and France’s Proparco to continue strengthening their long-term strategic partnership
 Thursday, December 4 2025 15:12

ArmInfo. Acba bank and Proparco, a subsidiary of the French Development Agency (AFD) Group, together with the Governor of the Central Bank of Armenia, Martin Galstyan, reviewed the achievements of their cooperation to date and discussed future plans.

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Armenia intends to receive EUR 100mln credit line from FAR
 Thursday, December 4 2025 12:45

ArmInfo.  The Armenian government plans to receive a ?100 million credit line from the French Development Agency (FDA) for the development of the water and  agriculture sectors. An additional ?12.4 million will be received as  a grant from the EU. The Cabinet of Ministers approved the proposal  to sign Framework Agreement No. CAM 1029 for an unconfirmed credit  line between the RA and the FDA at its regular meeting on December 4.  It should be noted that today the government amended another loan  agreement with the FDA for ?150 million to receive funds in the  current fiscal year.

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Ardshinbank and Visa are running a cashback campaign for their cardholders ahead of the New Year
 Thursday, December 4 2025 12:00

ArmInfo. From December 1 to 31, 2025, all Ardshinbank Visa cardholders will have the opportunity to receive 10% cashback when making purchases in the following stores: ZARA HOME, ZARA, BERSHKA, OYSHO, CHARLES & KEITH, MONSOON, LA SENZA, FLORMAR, SUNGLASS HUT, ZIPPY, QUIZ, PULL & BEAR, MASSIMO DUTTI, ACCESSORIZE, STRADIVARIUS, MARKS & SPENCER.

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Armenia amends loan agreement with FDA to receive funds as early as  2025
 Thursday, December 4 2025 11:49

ArmInfo. The Cabinet of Ministers of Armenia is amending the EUR 150 million loan agreement between the Republic of Armenia and the French Development Agency  (FDA), signed on September 26, 2025, aimed at improving the  efficiency and sustainability of public service delivery in Armenia,  as well as developing the financial sector, as part of the budget  support program.

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Armenian Card reports: Currently, due to technical issues with  Armenia`s internet channels, online transactions are not being  certified
 Thursday, December 4 2025 11:28

ArmInfo.  Armenian Card CJSC reports that technical issues have been detected with Armenia's internet channels, which is why some online transactions are not being certified.

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RA Finance Minister: Armenia can repay public debt in 1.5 years
 Wednesday, December 3 2025 23:09

ArmInfo. The Ministry of Finance has conducted a study on the impact of public debt on Armenia's economic development, applying a model based on the  methodology proposed by the International Monetary Fund, as stated by Vahe Hovhannisyan during a government hour in the National Assembly  on December 3, in response  to a question from Babken Tunyan, a member of parliament from the ruling Civil Contract faction.

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AraratBank Joins Armenia`s New Greening Initiative: 100 Hectares of New Forest within Three Years
 Wednesday, December 3 2025 13:54

ArmInfo.  Next year, the first buds of 5,555 trees planted this year with AraratBank’s support will burst open, marking the beginning of the creation of 100 hectares of new forest. Maple, pine, oak, beech, pear and apple trees will enrich the landscape of village Lernajur of the Pambak community in Lori region.

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S&P Global Ratings has assigned IDBank CJSC a long-term rating of “BB-” and a short-term rating of “B” with a “stable” prospect.
 Tuesday, December 2 2025 13:38

ArmInfo.  On November 28, 2025, S&P Global Ratings assigned IDBank CJSC a long-term issuer rating of “BB-” and a short-term issuer rating of “B” with a “stable” prospect. The ratings are at the same level as the sovereign rating of the Republic of Armenia.

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Euromoney Names Ameriabank Armenia’s Best Bank for Real Estate for the Second Year in a Row
 Tuesday, December 2 2025 11:16

ArmInfo. Euromoney, a leading international financial publication, has named Ameriabank the Best Bank of Armenia for Real Estate for 2025 for the second year in a row.   

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S&P Global Ratings has assigned IDBank CJSC a long-term rating of “BB-” and a short-term rating of “B” with a “stable” prospect.
 Monday, December 1 2025 18:33

ArmInfo.On November 28, 2025, S&P Global Ratings assigned IDBank CJSC a long-term issuer rating of “BB-” and a short-term issuer rating of “B” with a “stable” prospect. The ratings are at the same level as the sovereign rating of the Republic of Armenia.

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Armenian Finance Minister emphasizes importance of ensuring tax  system predictability
 Monday, December 1 2025 16:32

ArmInfo. On December 1, RA Finance Minister Vahe Hovhannisyan participated in the second workshop titled "Improving the Business Environment through  Dialogue."

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From November 24 to 28, 2025, dollar transactions  decreased, while  ruble transactions rose  in Armenia`s interbank foreign exchange  market
 Friday, November 28 2025 17:22

ArmInfo. From November 24 to 28, 2025, in the Armenian interbank foreign exchange market, dollar transactions remained in decline, while ruble transactions  increased.  Euro transactions have been on hold over seven months.  Specifically, the trend in dollar transactions accelerated from 5% to  24%, while  ruble transactions shifted from a 36% decline to a 57%  increase. This resulted in the weekly ruble volume  exceeding dollar  transactions by 1.2 times, whereas  the previous two weeks has seen  dollar transactions  dominating in volume, with the gap between ruble  and dollar transactions growing from 1.2 to 1.7 times.

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AraratBank Joins Social Impact Award 2025 Summit in Ljubljana
 Friday, November 28 2025 14:52

ArmInfo. AraratBank participated in the SIA Summit 2025, held in November 18-21 at Center Rog in Ljubljana, where creativity, entrepreneurship, and social impact converge.

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News
Vahagn Khachaturyan, insurance company representatives discuss  process  of implementing universal health insurance Vahagn Khachaturyan, insurance company representatives discuss  process  of implementing universal health insurance 
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Armenia`s service sector revenue reached $8.6 billionArmenia`s service sector revenue reached $8.6 billion
In  Armenia`s interbank foreign exchange market from December 1 to 5,  2025, dollar transactions decreased, while  ruble transactions  increasedIn  Armenia`s interbank foreign exchange market from December 1 to 5,  2025, dollar transactions decreased, while  ruble transactions  increased
Armenia`s trade sector growth rate decliningArmenia`s trade sector growth rate declining
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Armenia`s communications sector grew by 2.3% in 10 monthsArmenia`s communications sector grew by 2.3% in 10 months
AraratBank Participates in “Women’s Empowerment Principles in Armenia” ConferenceAraratBank Participates in “Women’s Empowerment Principles in Armenia” Conference
In Armenia, economic activity growth in January-October 2025 remained  steady at 8.1%, while foreign trade continued to declineIn Armenia, economic activity growth in January-October 2025 remained  steady at 8.1%, while foreign trade continued to decline
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Power generation in Armenia increased by 7.9% in 10 monthsPower generation in Armenia increased by 7.9% in 10 months
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Ardshinbank Lowers Interest Rates on Unsecured Consumer LoansArdshinbank Lowers Interest Rates on Unsecured Consumer Loans
IMF approves new three-year SBA (Stand-By Arrangement) with Armenia  amounting to $175 millionIMF approves new three-year SBA (Stand-By Arrangement) with Armenia  amounting to $175 million
Armenia attends Armenia attends "Resourcing Tomorrow" mining exhibition in London
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CBA head  announces international insurance group entering Armenian  marketCBA head  announces international insurance group entering Armenian  market
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Ardshinbank recognized as “Bank of the Year” in Armenia for the fifth time by The Banker magazineArdshinbank recognized as “Bank of the Year” in Armenia for the fifth time by The Banker magazine
National Assembly of Armenia adopted  draft state budget for 2026National Assembly of Armenia adopted  draft state budget for 2026
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Acba bank and France’s Proparco to continue strengthening their long-term strategic partnershipAcba bank and France’s Proparco to continue strengthening their long-term strategic partnership
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Armenia intends to receive EUR 100mln credit line from FARArmenia intends to receive EUR 100mln credit line from FAR
Armenia to redistribute unused electric vehicle import quotas -  ministerArmenia to redistribute unused electric vehicle import quotas -  minister
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Ardshinbank and Visa are running a cashback campaign for their cardholders ahead of the New YearArdshinbank and Visa are running a cashback campaign for their cardholders ahead of the New Year
Armenia amends loan agreement with FDA to receive funds as early as  2025Armenia amends loan agreement with FDA to receive funds as early as  2025
Armenian Card reports: Currently, due to technical issues with  Armenia`s internet channels, online transactions are not being  certified Armenian Card reports: Currently, due to technical issues with  Armenia`s internet channels, online transactions are not being  certified
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Election promises kept - premier Election promises kept - premier 
Armenia, U.S. agree to launch joint initiatives to deepen bilateral  economic cooperationArmenia, U.S. agree to launch joint initiatives to deepen bilateral  economic cooperation
Expert critical of compulsory medical insurance Expert critical of compulsory medical insurance 
Textile Industry Operator  established in ArmeniaTextile Industry Operator  established in Armenia
Kaja Kallas: EU to provide Armenia with 15 million euros to  strengthen resilienceKaja Kallas: EU to provide Armenia with 15 million euros to  strengthen resilience
Armenia, Latvia to strengthen cooperation in several areas of  technologyArmenia, Latvia to strengthen cooperation in several areas of  technology
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No import quota for electric cars in Armenia as of Nov 2, 2025 -  minister No import quota for electric cars in Armenia as of Nov 2, 2025 -  minister 
Armenian economy minister presents TRIP program in Vayots DzorArmenian economy minister presents TRIP program in Vayots Dzor
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Euromoney Names Ameriabank Armenia’s Best Bank for Real Estate for the Second Year in a RowEuromoney Names Ameriabank Armenia’s Best Bank for Real Estate for the Second Year in a Row
RA ambassador to U.S., Trump Administration officials discuss  expansion of bilateral economic cooperation RA ambassador to U.S., Trump Administration officials discuss  expansion of bilateral economic cooperation 
S&P Global Ratings has assigned IDBank CJSC a long-term rating of “BB-” and a short-term rating of “B” with a “stable” prospect.S&P Global Ratings has assigned IDBank CJSC a long-term rating of “BB-” and a short-term rating of “B” with a “stable” prospect.
EDB: Armenia`s economic growth projected to remain high through 2025EDB: Armenia`s economic growth projected to remain high through 2025
Armenian Finance Minister emphasizes importance of ensuring tax  system predictabilityArmenian Finance Minister emphasizes importance of ensuring tax  system predictability
Read more
Exchange rates
05.12.2025
RUB4.970.03
USD381.500.36
EUR444.45-0.23
GBP508.810.22
CAD273.570.66
JPY24.59-0.04
CNY53.970.07
CHF475.15-0.98


Experts
Expert critical of compulsory medical insurance Expert critical of compulsory medical insurance 
Expert comments on medical insurance system in Armenia Expert comments on medical insurance system in Armenia 
Mariam Hambardzumyan: Armenia`s education system not adapted to meet  the needs of  businessesMariam Hambardzumyan: Armenia`s education system not adapted to meet  the needs of  businesses
Read more

Commented
ATI.SU: Demand for international cargo transportation 30% up in  ArmeniaATI.SU: Demand for international cargo transportation 30% up in  Armenia
Civil Contract nominates Armen Ktoyan for  Central Bank Board Member  positionCivil Contract nominates Armen Ktoyan for  Central Bank Board Member  position
Armenia, France considering prospects for expanding technological  cooperation  Armenia, France considering prospects for expanding technological  cooperation  

Company bonds
UCO CJSC "GLOBAL CREDIT"1
UCO CJSC "GLOBAL CREDIT"3
UCO CJSC "GLOBAL CREDIT"4
UCO CJSC "GLOBAL CREDIT"5
UCO CJSC "GLOBAL CREDIT"7
"National Mortgage Company"2A
"National Mortgage Company"2B
UCO CJSC “FINCA” 1
UCO CJSC “FINCA” 2