ArmInfo NewsFeed
In Armenia, 85% of microprocessing cards have NFC chips In Armenia, 85% of microprocessing cards have NFC chips 
2025 Corruption Perceptions Index results published2025 Corruption Perceptions Index results published
Ameriabank Opens a New Branch in Artashat: Special Offers for New CustomersAmeriabank Opens a New Branch in Artashat: Special Offers for New Customers
ArmInfo Financial Rating: Increase in MTPL tariffs boosts Armenia`s  insurance market profitabilityArmInfo Financial Rating: Increase in MTPL tariffs boosts Armenia`s  insurance market profitability
Dangerous Generosity: IDBank Warns of a Rise in Fake Online SurveysDangerous Generosity: IDBank Warns of a Rise in Fake Online Surveys
Promotion and implementation of inclusive transport infrastructure  program among RA Government`s priorities - ministerPromotion and implementation of inclusive transport infrastructure program among RA Government`s priorities - minister
UBA Chair: Armenia`s banking system demonstrates high stability  indicators - it is adequately capitalized and has high liquidityUBA Chair: Armenia`s banking system demonstrates high stability  indicators - it is adequately capitalized and has high liquidity
Team Holding`s AMD, USD bonds listed on  Armenia Stock ExchangeTeam Holding`s AMD, USD bonds listed on  Armenia Stock Exchange
Idram, Mediamax and Hayordi Foundation Launch Initiative Ahead of Book Giving DayIdram, Mediamax and Hayordi Foundation Launch Initiative Ahead of Book Giving Day
Government of Japan, UNDP allocate $5.2 million to enhance   agricultural development in Armenia Government of Japan, UNDP allocate $5.2 million to enhance   agricultural development in Armenia 
Union of Banks of Armenia: Higher interest rates are a restraining  factor for higher consumer lending growthUnion of Banks of Armenia: Higher interest rates are a restraining  factor for higher consumer lending growth
The most important task today is to transform existing potential and  knowledge into global technological leadership - Ruben SimonyanThe most important task today is to transform existing potential and  knowledge into global technological leadership - Ruben Simonyan
SRC Deputy Chairman, ADB and FAR reps.  discuss policy-based lending  areas  SRC Deputy Chairman, ADB and FAR reps.  discuss policy-based lending  areas  
Armenian insurance companies nearly quadruple their net profit in  2025, reaching $7.7 millionArmenian insurance companies nearly quadruple their net profit in  2025, reaching $7.7 million
Germany`s economy will grow by 1% this yearGermany`s economy will grow by 1% this year
The US budget deficit will grow to $1.85 trillion in fiscal year 2026The US budget deficit will grow to $1.85 trillion in fiscal year 2026
Gevorg Papoyan to discuss Armenian-Greek trade and economic collaboration in AthensGevorg Papoyan to discuss Armenian-Greek trade and economic collaboration in Athens
Mortgages in Armenia have been growing for the third year in a row, but the pace is slowing downMortgages in Armenia have been growing for the third year in a row, but the pace is slowing down
Kazakhstan`s exports to Armenia 35.3% up, imports 56.6% down Kazakhstan`s exports to Armenia 35.3% up, imports 56.6% down 
Share of Armenia`s top-5 trade partners decreases from 72% to 64% in  2025 Share of Armenia`s top-5 trade partners decreases from 72% to 64% in  2025 
Armenian Finance Ministry, ADB, and AFD   initiate talks for  potential loan to ArmeniaArmenian Finance Ministry, ADB, and AFD   initiate talks for  potential loan to Armenia
IDBank has opened a representative office in Glendale, California, USA.IDBank has opened a representative office in Glendale, California, USA.
S&P Global Ratings: In Armenia`s banking sector, adequate capital  buffers and stable profitability to support significant lending  growth in 2026-2027S&P Global Ratings: In Armenia`s banking sector, adequate capital  buffers and stable profitability to support significant lending  growth in 2026-2027
PSRC head presents advantages of American SMR technologyPSRC head presents advantages of American SMR technology
Armenia seriously  considering the possibility of acquiring new  satellites - MinisterArmenia seriously  considering the possibility of acquiring new  satellites - Minister
PSRC Head: Electric Networks of Armenia`s performance  is assessed  based on quality indicators set by the CommissionPSRC Head: Electric Networks of Armenia`s performance  is assessed  based on quality indicators set by the Commission
Armenia`s foreign trade turnover decreases by 29% due to a Armenia`s foreign trade turnover decreases by 29% due to a "collapse"  in transactions involving precious metals and stones
A Memorandum of Cooperation Signed Between the Armenia Stock Exchange and the Russian-Armenian UniversityA Memorandum of Cooperation Signed Between the Armenia Stock Exchange and the Russian-Armenian University
Starlink to donate over 100 of its terminals to Armenia - Mkhitar  HayrapetyanStarlink to donate over 100 of its terminals to Armenia - Mkhitar  Hayrapetyan
Armenia increases defense industry R&D funding by 50% in 2025Armenia increases defense industry R&D funding by 50% in 2025
Individuals supposed to submit annual income tax return for 2025  between March 2 and November 1, 2026Individuals supposed to submit annual income tax return for 2025  between March 2 and November 1, 2026
Papoyan: Armenia`s interests remain a priority in railway managementPapoyan: Armenia`s interests remain a priority in railway management
Armenian tax officers to receive training under the Indian Technical  and Economic Cooperation programArmenian tax officers to receive training under the Indian Technical  and Economic Cooperation program
The state will cover 50% of farmers` expenses for cultivating grain,  legumes, and forage crops - Gevorg PapoyanThe state will cover 50% of farmers` expenses for cultivating grain,  legumes, and forage crops - Gevorg Papoyan
Armenia, Romania  to enhance tourism cooperation Armenia, Romania  to enhance tourism cooperation 
Pashinyan on US modular reactors: America possesses technological  intricacies that are not widely knownPashinyan on US modular reactors: America possesses technological  intricacies that are not widely known
Team Holding announces launch of second tranche of its USD bond  placementTeam Holding announces launch of second tranche of its USD bond  placement
Economy Minister  announces resumption of  agricultural insurance  programEconomy Minister  announces resumption of  agricultural insurance  program
AraratBank Receives Mastercard “Excellence in Strategic Marketing” AwardAraratBank Receives Mastercard “Excellence in Strategic Marketing” Award
Armenia, Russia discuss extension of  Armenia`s nuclear plant`s  second power unit operation periodArmenia, Russia discuss extension of  Armenia`s nuclear plant`s  second power unit operation period
In Armenian interbank foreign exchange market, dollar and ruble  transactions continued to decline from February 9 to 13, 2026, while  euro transactions resumedIn Armenian interbank foreign exchange market, dollar and ruble  transactions continued to decline from February 9 to 13, 2026, while  euro transactions resumed
Expert: Replacing the Armenian Nuclear Power Plant (NPP) with US  modular reactors is akin to replacing an aircraft carrier with  medieval caravelsExpert: Replacing the Armenian Nuclear Power Plant (NPP) with US  modular reactors is akin to replacing an aircraft carrier with  medieval caravels
Khudatyan: There is a mutual understanding with the Russian side on  the restoration of rail links with Azerbaijan and TurkeyKhudatyan: There is a mutual understanding with the Russian side on  the restoration of rail links with Azerbaijan and Turkey
The Bank of Russia lowered the key interest rate to 15.5%The Bank of Russia lowered the key interest rate to 15.5%
Armenian authorities extend implementation of digital employment  contract systemArmenian authorities extend implementation of digital employment  contract system
 Armenia showcased its tourism potential at international exhibition  in Romania Armenia showcased its tourism potential at international exhibition  in Romania
In Armenia, court decisions not to affect tender process for  selecting gambling operatorIn Armenia, court decisions not to affect tender process for  selecting gambling operator
Including Kulevi port in 20th sanctions package against Russia to  harm Middle Corridor - official Tbilisi Including Kulevi port in 20th sanctions package against Russia to  harm Middle Corridor - official Tbilisi 
Armenia is transforming from a peripheral country into a central one  - PashinyanArmenia is transforming from a peripheral country into a central one  - Pashinyan
Armenia`s ICT revenue in 2025 exceeds 1.1 trillion dramsArmenia`s ICT revenue in 2025 exceeds 1.1 trillion drams
Armenia, Russia discuss prospects for cooperation in agricultureArmenia, Russia discuss prospects for cooperation in agriculture
25 Years of UATE: Technological Armenia ready for more!25 Years of UATE: Technological Armenia ready for more!
Armenia introducing electronic registry of tourism service providersArmenia introducing electronic registry of tourism service providers
Armenian government specifies list of persons eligible for social  loansArmenian government specifies list of persons eligible for social  loans
Armenia, Kazakhstan discuss Asia-Pacific Center for Digital Solutions  to Achieve SDGs projectArmenia, Kazakhstan discuss Asia-Pacific Center for Digital Solutions  to Achieve SDGs project
Armenia amends financial agreement with AFDArmenia amends financial agreement with AFD
99 land plots in Meghri  recognized as  priority public interest99 land plots in Meghri  recognized as  priority public interest
Shield AI willing to implement joint projects with ArmeniaShield AI willing to implement joint projects with Armenia
Prime Minister: Metsamor nuclear plant can operate until 2046Prime Minister: Metsamor nuclear plant can operate until 2046
Armenia`s Central Bank sets  maximum commission fee limits for  cashless payments through physical POS terminals: 0.5% for ArCa cards  and 0.9% for Visa and MC cardsArmenia`s Central Bank sets  maximum commission fee limits for  cashless payments through physical POS terminals: 0.5% for ArCa cards  and 0.9% for Visa and MC cards
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Talk of the day

ArmInfo Financial Rating: Increase in MTPL tariffs boosts Armenia`s  insurance market profitability

 Wednesday, February 18 2026
ArmInfo Financial Rating: Increase in MTPL tariffs boosts Armenia`s  insurance market profitability

ArmInfo.A significant rise in compulsory motor third-party liability insurance (MTPL)  tariffs effective February 2025 has enabled insurance companies to enhance their efficiency and achieve significant profits. This information is based on the Financial Rating of Armenian Insurance Companies data as of December 31, 2025, prepared by the ArmInfo Investment Company using published financial reports and  requested indicators from insurance companies.

Economy

2025 Corruption Perceptions Index results published

ArmInfo. Experts from the Luys Foundation have analyzed the 2025 Corruption Perceptions  Index report, published by Transparency International.

Promotion and implementation of inclusive transport infrastructure program among RA Government`s priorities - minister

ArmInfo. RA Minister of  Territorial Administration and Infrastructure David Khudatyan  received a delegation led by Gert-Jan Koppman, Director-General for  EU Enlargement and Eastern Neighborhood Policy.

Government of Japan, UNDP allocate $5.2 million to enhance   agricultural development in Armenia 
Gevorg Papoyan to discuss Armenian-Greek trade and economic collaboration in Athens

Finance and banks

In Armenia, 85% of microprocessing cards have NFC chips 

ArmInfo. As of January 1, 2026, Armenian plastic market had over 5 million cards, with the  annual growth decreasing from 16.3% to 15.8%. Meanwhile, microprocessing cards with NFC chips experienced a slowdown in growth from 32% to 25%, totaling 4.3 million, which accounts  85% of the total number of cards, according to data from the Central Bank of  Armenia.

Ameriabank Opens a New Branch in Artashat: Special Offers for New Customers

ArmInfo.Ameriabank keeps expanding its branch network to be closer to clients in their communities. This time, the Bank has opened a new branch in the town of Artashat in the Ararat region. Artashat is Ameriabank’s 29th branch and the first in the Ararat region.

Dangerous Generosity: IDBank Warns of a Rise in Fake Online Surveys
UBA Chair: Armenia`s banking system demonstrates high stability  indicators - it is adequately capitalized and has high liquidity

Insurance

Armenian insurance companies nearly quadruple their net profit in  2025, reaching $7.7 million

ArmInfo. Armenia's insurance sector was a significant increase in its net profit for  2025, nearly quadrupling from the previous year's 71% decline to reach 2.9 billion drams ($7.7 million).

Economy Minister  announces resumption of  agricultural insurance  program

ArmInfo. Armenia's agricultural crop insurance program will resume on February 15, 2026.  Minister of Economy Gevorg Papoyan shared this information on his Facebook page, noting that the decision was reached after lengthy negotiations with insurance companies.

Armenian premier calls on employees to demand complete salary record 
Universal Health Insurance Fund, insurance companies sign memorandum  of cooperation
Statistics

Kazakhstan`s exports to Armenia 35.3% up, imports 56.6% down 

ArmInfo. In 2025, exports of goods from Kazakhstan to Armenia increased by 35.3%, reaching $49 million, TASS reported, citing the National Statistics Bureau of Kazakhstan.

Share of Armenia`s top-5 trade partners decreases from 72% to 64% in  2025 

ArmInfo.The share of Armenia's top 5 trading partners-Russia, China, the UAE, Iran, and Germany-decreased by 2025 to a combined 64% of total turnover,  amounting to $13.7 billion in absolute terms (compared to $21.8 billion, or 72%, in 2024). Four of them reduced their volumes year-on-year: Russia by 38.3%, China by 6.5%, the UAE by 60%, and Germany by 2.5%. A year ago, Russia, the UAE, and China demonstrated significant growth, while Germany experienced a more pronounced decline.

Armenia`s ICT revenue in 2025 exceeds 1.1 trillion drams
Armenian services sector`s revenue $10.6bln in 2025
Digest

Germany`s economy will grow by 1% this year

ArmInfo. Europe's largest economy continues to struggle to accelerate economic growth, as geopolitical uncertainty, high operating costs, and weak domestic demand weigh on companies. GDP growth in 2026 will be largely driven by statistical and calendar factors.

The US budget deficit will grow to $1.85 trillion in fiscal year 2026

ArmInfo. The Congressional Budget Office (CBO) projects the US budget deficit in fiscal year 2026, which ends on September 30, to increase slightly to $1.853 trillion, or 5.8% of GDP.

The Bank of Russia lowered the key interest rate to 15.5%
An Economic Development Bank is being established in Georgia

Energy

PSRC head presents advantages of American SMR technology

ArmInfo.. Claims that the United States intends to test its small modular reactor (SMR)  nuclear technology in Armenia should be dismissed, as stated by Mesrop Mesropyan, Chairman of the Public Services Regulatory Commission of the Republic of Armenia, in an interview with  journalists on February 16.

PSRC Head: Electric Networks of Armenia`s performance  is assessed  based on quality indicators set by the Commission

ArmInfo. The performance of the Electric Networks of Armenia company (ENA) is  assessed based on quality indicators set by the Public Services Regulatory Commission (PSRC),  which directly tied to the number of scheduled and emergency outages.  

Pashinyan on US modular reactors: America possesses technological  intricacies that are not widely known
Armenia, Russia discuss extension of  Armenia`s nuclear plant`s  second power unit operation period

Technology

The most important task today is to transform existing potential and  knowledge into global technological leadership - Ruben Simonyan

ArmInfo. The most important task today is to transform existing potential and knowledge  into global technological leadership, as stated by Ruben Simonyan, Deputy Minister of High-Tech Industry of Armenia, during his speech at the business forum "Unlocking Armenia's Potential for Global Tech Leaders," organized as part of the 25th anniversary of AmCham (American Chamber of Commerce in Armenia).

Armenia seriously  considering the possibility of acquiring new  satellites - Minister

ArmInfo.n. "ArmSat-1" concluded its mission by the end of 2025, and we issued a statement  that Armenia is actively considering the possibility  of acquiring a new satellite or satellites," Mkhitar Hayrapetyan, Minister of High-Tech Industry of Armenia, said during a press briefing on  February 16. He clarified that he is talking about satellites for remote sensing or space photography.

Starlink to donate over 100 of its terminals to Armenia - Mkhitar  Hayrapetyan
Team Holding announces launch of second tranche of its USD bond  placement
Real estate

Mortgages in Armenia have been growing for the third year in a row, but the pace is slowing down

ArmInfo. At the end of 2025, the mortgage portfolio in Armenia amounted to 1.6 trillion drams ($4.2 billion), a 13.2% increase from the previous year, as stated by Daniel Azatyan, Chairman of the Union of Banks of Armenia (UBA) noted during a press conference on February 17. According to Azatyan, mortgages thus accounted for 21.3% of the total loan portfolio of the Armenian banking system.

Armenia to bar low-rated construction firms from state tenders

ArmInfo.  In Armenia, construction and design companies, as well as organizations offering technical supervision in this area, will be evaluated based on their  performance in the last three years. Yeghiazar Vardanyan, Chairman of  the RA Urban Development Committee, shared this information during a  year-end press conference on January 26.

Armenian real estate market sees decline  following phased end  of  income tax refund program for mortgage holders
Some electronic real estate transactions to be permitted in Armenia 
Exchange rates
18.02.2026
RUB4.930.02
USD377.690.86
EUR446.880.60
GBP512.370.03
CAD276.590.34
JPY24.56-0.07
CNY54.700.13
CHF489.30-0.47




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