The poll covered such spheres and segments of banking as level of management, corporate management, participation in financing of small and medium enterprises (SME), crediting of large business, activity in the market of consumer and mortgage crediting, level of work in the currency market, activity in the sphere of card business, work in the market of money transfers, in the market of government securities and corporate debt. The level of technological equipment of the competitors was also assessed. As a result of 60 top managers' interbank cross public opinion poll of 19 commercial banks of Armenia, 8 banks have taken the lead: ACBA-Credit Agricole Bank, HSBC Bank Armenia, Ardshininvestbank, INECOBANK, Unibank, Armeconombank, ArmSwissBank and Ameriabank.
The certificate in the nominations "Level of management" and "Level of participation in SME financing" has been awarded to ACBA-Credit Agricole Bank; the certificate in the nominations "Level of corporate management" and "Level of technological equipment" has been awarded to HSBC Bank Armenia; the one in the nominations "Level of crediting of large business" and "Level of work in the currency market" - to Ardshininvestbank; the one in the nominations "Level of activity in the mortgage market" and "Level of activity in the market of money transfers" - to Unibank; in the nomination "Activity in the market of plastic cards" - to Armeconombank; in the nomination "Activity in the market of government securities" - to ArmSwissBank; in the nomination "Activity in the market of corporate debt" - to Ameriabank; in the nomination "Level of activity in the market of mortgage crediting" - to INECOBANK.
The final indices of the poll, i.e. the averaged interest points for all the nominations have demonstrated that the professional participants in the market highly estimate the level of work of the determined leading banks: ACBA- Credit Agricole (48,3% of possible 100%), Armeconombank (47,3%), Converse Bank (47,3%), Ardshininvestbank (46,7%) and HSBC Bank Armenia (46,6%). The top ten includes also Unibank, INECOBANK, ARARATBANK, VTB Bank (Armenia) and Ameriabank.
To note, over the period starting 2005, when the first poll was held, Armeconombank and INECOBANK have maintained their leading positions for plastic cards and consumer credits respectively. Since 2007 leading positions have been maintained by HSBC Banks Armenia for two nominations - level of corporate management and technological equipment, and Unibank for money transfers. It is noteworthy that the subjective professional opinion of the Armenian banking community, that has been reflected in the results of the poll, mainly reflects real scene of banks' activity in certain banking spheres with small distortions.