ArmInfo.EIB Global will provide a €100 million loan to Ardshinbank to boost access to finance for micro, small and medium-sized enterprises and mid-caps in Armenia.

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

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.

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.

ArmInfo. In the Armenian banking sector, corporate lending is trying to outpace retail lending in terms of growth - 26% versus 27%. This trend began to be observed  a year ago - 22% versus 23%. This is evidenced by the Financial  Rating of Armenian Banks as of September 30, 2025, prepared by  ArmInfo Investment Company based on published financial reports and  additionally requested data.

ArmInfo. On 26 November, Ardshinbank and the EBRD signed three agreements under a new cooperation package, totaling more than USD 155 million equivalent in financing. The funds are aimed at supporting lending to micro, small and medium-sized enterprises (MSMEs), expanding green economy financing, and developing infrastructure in the country.

ArmInfo. As of October 1, 2025, the Armenian plastic market contained over 4.7 million cards, with an annual growth rate of 15%. Moreover, the number of  microprocessing cards with NFC chips has almost doubled in three years, including a 26% year-on-year increase, reaching 3.9 million,  or 83% of the total number of cards, according to data from the Central Bank of Armenia.

ArmInfo.  Ardshinbank is once again hosting its traditional instant raffle for borrowers who pledge gold as collateral. From November 3 to December 15, customers applying for and receiving a loan with gold collateral will have the chance to participate in the raffle and win one of around 3,000 exciting prizes.

ArmInfo. From January to September 2025, Armenia's banking system increased tax payments to the state treasury by 28% year-on-year, reaching 131.2 billion drams ($343 million). According to the State Revenue Committee, 91.5%, or 120 billion drams, of this amount was paid in direct taxes (including  profit and income taxes), a 30% increase compared to the same period last year.

ArmInfo. According to the results for the first three quarters of 2025 published by the State Revenue Committee, Ardshinbank became the largest taxpayer of Armenia, transferring AMD 32.3 billion to the state budget. Including AMD 2 billion in indirect taxes and other fees, Ardshinbank’s total tax payments amounted to AMD 34.3 billion, which also includes AMD 2.4 billion in tax contributions from Ardshininvestbank that merged with Ardshinbank on April 21, 2025.

ArmInfo.  Ardshinbank has entered the top 5 of the list of 1,000 largest taxpayers in Armenia based on the results of the first nine months of 2025. The bank paid  32 billion drams (over $83 million) to the state treasury. Moreover,  Ardshinbank quadrupled its budget payments year-on-year, moving up  from 24th to 5th place, as evidenced by published data from the State  Revenue Committee of the Republic of Armenia.

ArmInfo. The active lending in the Armenian banking sector is driving double-digit growth  in net profit. According to the Express Ranking of Armenian Banks as  of September 30, 2025, prepared by ArmInfo Investment Company, credit  investments and other loans saw a year-on-year increase from 22% to  26.2%. This growth allowed net profit to continue its double-digit  growth, although at a slower pace, going from 25% to 15%. The total  volume of  credit investments and other loans reached 7.3 trillion  drams ($19 billion), resulting in a net profit of 308 billion drams  ($805 million) for the nine month reporting period.

ArmInfo.Ardshinbank offers individuals who have mortgage loans in other banks to transfer these loans to Ardshinbank on more favorable terms and receive a 3% cashback from the loan balance. The offer is valid for loans for the purchase, construction or renovation of residential real estate. Refinancing applications can be submitted until December 5, 2025. 

ArmInfo.From September 9 to December 31, 2025, micro, small, and medium-sized business owners in Armenia can transfer their existing business loans to Ardshinbank and receive 5% of the refinanced amount as cashback. If you have loans from several banks, you can consolidate them into a single loan and then transfer it to Ardshinbank. 

ArmInfo. ContourGlobal successfully completes USD 135 million refinancing of a portfolio of three hydropower plants in Armenia. 

ArmInfo.Armenian Card CJSC has lunched the ArcaQR system -  a unified QR payment system  enabling  instant payments from bank accounts with a single scan, as noted in a statement issued by Armenian Card. It is  stated that the  official launch of the ArcaQR system took place on September 30,  2020, with Ardshinbank, Ameriabank, Converse Bank, Araratbank,  Evocabank, and Armeconombank immediately announced that they are  joining the system.

ArmInfo. “Armenian Card” CJSC introduced the ArcaQR system, enabling payments via QR code with a single scan, directly from a bank account.

ArmInfo.On September 24, Ardshinbank’s “Avan” branch officially opened in Yerevan’s Avan administrative district. This marks the bank’s 29th branch in Yerevan and its 72nd across the republic. 

ArmInfo.  Ardshinbank was the main sponsor of the “VMF Vanadzor Half Marathon 2025,” held on September 14 in Vanadzor. This charitable marathon was dedicated to the memory of Vahe Meliksetyan, a lecturer at the Department of Clinical Pharmacology at Yerevan State Medical University, a pharmacologist, and a scientist. Vahe Meliksetyan was killed during the 2020 Artsakh War.

ArmInfo. The day before, "Armenian Banking Days" were held for the first time in the capital of Austria. The initiator of the Vienna event was the Union of Armenian Banks together with Raiffeisen Bank International (RBI).