We are presenting to your attention summary of the results of the Armenian banking sector, prepared and published exclusively on Banks.am by a specialized consulting company RUMELS Management Solutions.Ruben Melikyan has more than 25 years’ experience, as a successful c-level executive (CEO/CFO), with a successful track record leading diverse management teams in different areas, like audit, micro-finance, retail, FMCG and banking. Ruben Melikyan is an ACCA member; he graduated from Oxford University (EMBA) and received a Certificate on “Advanced Corporate Valuation” from NYU.The purpose of this study is to analyze the main financial indicators of the Armenian banking system in 2025.Net ProfitThe total net profit of all Armenian banks during 2025 is equal to 421 bln AMD, which is by 60 bln AMD, or by 17% more than it was recorded in 2024.The sector’s Return on Equity (ROE) for 2025 stood at approximately 21,4%, reflecting continued profitability and capital efficiency.The largest profit was recorded by Ardshinbank, amounting to 137 bln AMD. All banks registered a profit during mentioned period. Total loan portfolioThe total loan portfolio of the banking sector during 2025 was increased by 22,7%.As of 31.12.2025, the total loan portfolio amounted to 7,7 trillion AMD and its share in total assets is 60%.The mentioned total loan portfolio includes retail and corporate loan portfolios. Market share of 5 largest banks (Ameriabank, Ardshinbank, Acba bank, Amio bank and Inecobank) by total loan portfolio is 64,4%.Ameriabank has the largest market share – 21,7%. BondsDuring 2025, the total balance of bonds issued by Armenian banks increased by 18 bln AMD, or 3,5%.As of 31.12.2025, total balance of issued bonds is amounting to 526 bln AMD.13 out of 17 banks have issued bonds. Total EquityDuring 2025, the total equity of the Armenian banking sector increased by 398 bln AMD, or 22% and amounted to 2.17 trillion AMD. During the mentioned period 7 Armenian banks increased their share capital by 160 bln AMD.Ardshinbank – 97,5 bln AMDAmio bank – 20 bln AMDIDBank – 17 bln AMDAmeriabank – 7,1 bln AMDInecobank – 6,7 bln AMDFast Bank – 6 bln AMDUnibank – 5,4 bln AMDDuring 2025, 9 banks paid dividends, amounting to 183 bln AMD:Ardshinbank – 138 bln AMD (from which 97,5 bln AMD was allocated to share capital, as common and preferred shares),Inecobank – 10 bln AMDUnibank – 8,4 bln AMDIDBank – 7 bln AMDAcba bank – 6,6 bln AMDConverse Bank – 4,3 bln AMDAraratBank – 4 bln AMDEvocabank – 3,1 bln AMDArmeconombank – 1,5 bln AMD To learn more about the financial analyses for the mentioned and other periods, please use this link. Tweet Views 2233