Unibank has decided to keep unchanged the fixed-adjustable interest rates on consumer and mortgage loans secured by real estate, which were scheduled to increase starting from May 2026.
On Wednesday, the Armenian government approved a proposal to sign a €170.3 million loan agreement with the International Bank for Reconstruction and Development (IBRD, a World Bank entity).
The Central Bank of Armenia considers it important for commercial banks to exercise caution when providing new loans amid the outpacing growth of lending compared to revenues, stated Central Bank Chairman Martin Galstyan.
The assets of Armenia's banking system continue to dominate the country's financial system, accounting for approximately 82% of total assets, or approximately 12 trillion drams, said Martin Galstyan, Chairman of the Central Bank.
As of March 31, 2026, the total loan portfolio of Armenian banks stood at AMD 8.01 trillion, marking a 22.63% rise compared to March 31, 2025, and a 4.05% increase from December 31, 2025.
Institutional players are entering the dram-denominated government debt market in Armenia, stated Martin Galstyan, Chairman of the Central Bank of Armenia.
The Central Bank of Armenia expects inflation to return to the target level in the medium term, said Central Bank Chairman Martin Galstyan, answering a question from the ARKA news agency.
There are two main risks for the financial stability of Armenia: one is associated with external factors, the other with internal processes, said the Chairman of the Central Bank Martin Galstyan, presenting the financial stability report for 2025.
Professional media covering the economy and financial sector, such as ARKA news agency, play a vital role in increasing public financial literacy and awareness.
Amid the S&P 500's worst quarter since 2022, rising global anxiety, and persistent geopolitical uncertainty, investors are increasingly asking whether this is a temporary market reaction or a deeper shift in investment logic.
Capital market development in Armenia is increasingly dependent not only on the growth in the number of issues and the expansion of instruments, but also on the quality of the environment in which investors make decisions.
The digital infrastructure of the Armenian capital market has made significant progress in recent years, but the market still lacks a more robust regulatory and technological framework for the full development of new financial instruments.
The capital market of Armenia is undergoing a significant transformation: there is an increasing interest in bonds, foreign investors are becoming more engaged, and there is a rising demand for new financial instruments, ranging from IPOs to digital assets
Unibank has decided to keep unchanged the fixed-adjustable interest rates on consumer and mortgage loans secured by real estate, which were scheduled to increase starting from May 2026.
On Wednesday, the Armenian government approved a proposal to sign a €170.3 million loan agreement with the International Bank for Reconstruction and Development (IBRD, a World Bank entity).
The Central Bank of Armenia considers it important for commercial banks to exercise caution when providing new loans amid the outpacing growth of lending compared to revenues, stated Central Bank Chairman Martin Galstyan.
The assets of Armenia's banking system continue to dominate the country's financial system, accounting for approximately 82% of total assets, or approximately 12 trillion drams, said Martin Galstyan, Chairman of the Central Bank.
As of March 31, 2026, the total loan portfolio of Armenian banks stood at AMD 8.01 trillion, marking a 22.63% rise compared to March 31, 2025, and a 4.05% increase from December 31, 2025.
Institutional players are entering the dram-denominated government debt market in Armenia, stated Martin Galstyan, Chairman of the Central Bank of Armenia.
The Central Bank of Armenia expects inflation to return to the target level in the medium term, said Central Bank Chairman Martin Galstyan, answering a question from the ARKA news agency.
There are two main risks for the financial stability of Armenia: one is associated with external factors, the other with internal processes, said the Chairman of the Central Bank Martin Galstyan, presenting the financial stability report for 2025.
Professional media covering the economy and financial sector, such as ARKA news agency, play a vital role in increasing public financial literacy and awareness.
Amid the S&P 500's worst quarter since 2022, rising global anxiety, and persistent geopolitical uncertainty, investors are increasingly asking whether this is a temporary market reaction or a deeper shift in investment logic.
Capital market development in Armenia is increasingly dependent not only on the growth in the number of issues and the expansion of instruments, but also on the quality of the environment in which investors make decisions.
The digital infrastructure of the Armenian capital market has made significant progress in recent years, but the market still lacks a more robust regulatory and technological framework for the full development of new financial instruments.
The capital market of Armenia is undergoing a significant transformation: there is an increasing interest in bonds, foreign investors are becoming more engaged, and there is a rising demand for new financial instruments, ranging from IPOs to digital assets
The State Revenue Committee of Armenia has identified a number of violations in the sphere of the purchase and sale of cryptoassets and the provision of related services, the agency reports.
The Central Bank of Armenia considers it important to address the challenges faced by real people and businesses, and it is through this lens that it views stablecoins as a strategic priority, stated Martin Galstyan, Chairman of the Central Bank of Armenia.
Cryptoasset regulation in Armenia can be characterized as quite conservative, and some market participants believe this could hinder the industry's development, noted Arman Aleksanyan, co-founder and CEO of Eleveight AI.
Martin Galstyan, Governor of the Central Bank of Armenia, responded to a question from the ARKA news agency about whether the regulator is considering drafting a law on tokenization.
Martin Galstyan, Governor of the Central Bank of Armenia, commented on the criticism voiced by crypto market participants regarding the Law "On Cryptoassets."
Tokenization is a serious mechanism that could change the investment philosophy in Armenia, noted Felix Vartanov, CEO and shareholder of the investment and holding company BlackRiver Capital (Dubai).
The Armenian cryptocurrency market is gaining momentum: 2-3 banks plan to obtain separate licenses to handle these operations, Daniel Azatyan, head of the Union of Banks of Armenia (UBA), stated in response to a question from ARKA news agency.
The chairman of the Central Bank of Armenia, Martin Galstyan, asserts that the process of identifying clients of cryptocurrency companies in the country should be as stringent as possible.
Armenian officials will be required to include information on crypto assets in their annual asset declarations. This decision was made at a government meeting on Thursday.
The IMF plans to assist the Central Bank of Armenia in its efforts to strengthen financial system oversight and modernize the payment system, including introducing regulation of stablecoin transactions in accordance with the recently adopted Law on Cryptoassets.
At an extraordinary session on Wednesday, the National Assembly of Armenia adopted amendments to the RA laws "On Cryptoassets" and "On Non-cash Transactions" in the second and final reading.
During an extraordinary session on Tuesday, Armenia's National Assembly approved a series of amendments to the laws governing cryptoassets and non-cash transactions in their first reading.
The process for licensing companies engaged in crypto asset transactions is set to commence in January 2026 and will continue for a duration of one year, as stated by Martin Galstyan, the head of Armenia's Central Bank.
The Armenia Securities Exchange (AMX) is considering the possibility of the Central Depository becoming a custodian of crypto assets, AMX CEO Hayk Yeganyan said in an interview with ARKA news agency.
The Armenian Securities Exchange (AMX) isn't ruling out the launch of new instruments or services for working with digital assets, AMX CEO Hayk Yeganyan said in an interview with ARKA news agency.
The circulation of cash in crypto assets is likely to pose a serious threat to the overall fiscal system, stated Armenian Deputy Prime Minister Mher Grigoryan.
