Armenian banks maintain strong capital and liquidity buffers, and profitability remains high despite the normalization of extraordinary financial inflows from Russia, according to a report by the international rating agency Fitch Ratings.
During a meeting on Thursday, the Armenian government gave its approval to a draft law that ratifies the amendment to the Multilateral Agreement of Competent Authorities regarding the "Automatic Exchange of Financial Account Information," which was signed on October 14, 2014.
At a meeting on Thursday, the Armenian government approved measures and procedures for providing cashback on non-cash payments made by individuals through the Armenian Card (ArCa) national payment system.
The loan portfolio of Armenia's banking system increased by 29.89% in the third quarter of 2025 compared to the same quarter of 2024, reaching AMD 7.16 trillion.
The combined loan portfolio of 17 Armenia-based commercial banks upped by 6.11% in Q2 2025 compared to Q1 2025, amounting to AMD 6.82 trillion, according to a ranking compiled by the ARKA news agency.
Moody's Ratings has upgraded Converse Bank CJSC's long-term local and foreign currency bank deposit ratings to Ba3 from B1, aligning the Bank’s rating with Armenia’s sovereign rating.
In the Armenian consumer market, 12-month inflation (December 2025 compared to December 2024) amounted to 3.3%, according to a report by the Statistical Committee of Armenia (Armstat).
Armenia's total public debt as of November 30, 2025, amounted to $14,204.2 million, compared to $14,173.2 million as of October 31, 2025. This is evidenced by data released by the Ministry of Finance.
The net inflow of cross-border remittances to individuals in Armenia, received from abroad through the Armenian banking system, amounted to $1.32 billion in January-November 2025, compared to $1.12 billion in January-November 2024, according to a report from the Central Bank.
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
Interest in financial markets is growing in Armenia, and more and more people are thinking about how to build long-term capital. Many don't know where to start or how to avoid mistakes.
The need to improve financial literacy is increasingly being discussed in Armenia, but what does this really mean, and why is it important not only for individuals but for the entire economy?
Interest in investing in Armenia has grown significantly in recent years, and along with it, so has the need for accessible tools that allow one to take their first steps in the financial market.
Armenian banks maintain strong capital and liquidity buffers, and profitability remains high despite the normalization of extraordinary financial inflows from Russia, according to a report by the international rating agency Fitch Ratings.
During a meeting on Thursday, the Armenian government gave its approval to a draft law that ratifies the amendment to the Multilateral Agreement of Competent Authorities regarding the "Automatic Exchange of Financial Account Information," which was signed on October 14, 2014.
At a meeting on Thursday, the Armenian government approved measures and procedures for providing cashback on non-cash payments made by individuals through the Armenian Card (ArCa) national payment system.
The loan portfolio of Armenia's banking system increased by 29.89% in the third quarter of 2025 compared to the same quarter of 2024, reaching AMD 7.16 trillion.
The combined loan portfolio of 17 Armenia-based commercial banks upped by 6.11% in Q2 2025 compared to Q1 2025, amounting to AMD 6.82 trillion, according to a ranking compiled by the ARKA news agency.
Moody's Ratings has upgraded Converse Bank CJSC's long-term local and foreign currency bank deposit ratings to Ba3 from B1, aligning the Bank’s rating with Armenia’s sovereign rating.
In the Armenian consumer market, 12-month inflation (December 2025 compared to December 2024) amounted to 3.3%, according to a report by the Statistical Committee of Armenia (Armstat).
Armenia's total public debt as of November 30, 2025, amounted to $14,204.2 million, compared to $14,173.2 million as of October 31, 2025. This is evidenced by data released by the Ministry of Finance.
The net inflow of cross-border remittances to individuals in Armenia, received from abroad through the Armenian banking system, amounted to $1.32 billion in January-November 2025, compared to $1.12 billion in January-November 2024, according to a report from the Central Bank.
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
Interest in financial markets is growing in Armenia, and more and more people are thinking about how to build long-term capital. Many don't know where to start or how to avoid mistakes.
The need to improve financial literacy is increasingly being discussed in Armenia, but what does this really mean, and why is it important not only for individuals but for the entire economy?
Interest in investing in Armenia has grown significantly in recent years, and along with it, so has the need for accessible tools that allow one to take their first steps in the financial market.
On January 13, the Armenia Securities Exchange (AMX) held an auction of government bonds worth 50 billion drams, the exchange's press service reported.
The first full working week of 2026 in the Armenian financial market was marked by regulatory decisions, relative stability in the foreign exchange market, and growth in capital market indicators.
Armenia Stock Exchange (AMX) has summarized the trading activity for December 2025. During the month, a dynamic trading environment has been maintained, highlighting growing investor confidence and market activity.
In December 2025, Armenia's financial market was characterized by a combination of moderate monetary easing, continued high growth rates in bank lending, and the continued development of capital market instruments.
Team Holding announced the successful and early completion of the first round of its nominal coupon bond placement, according to the press service of Freedom Broker Armenia investment company.
'Monetary transmission – the way in which central bank interest rate decisions transmit to bank loan and deposit rates and hence influence the lending and saving decisions of consumers and businesses – remains constrained by dollarization and shallow local capital markets. It is thus important to develop Armenian dram capital markets, and the CBA is advancing several initiatives in this regard,', IMF Resident Representative in Armenia, Umang Rawat, said in an interview with the ARKA news agency.
The volume of bonds issued by financial and non-financial institutions in Armenia exceeds 700 billion drams, said Central Bank Chairman Martin Galstyan, responding to a question from the ARKA news agency about capital market development trends in the country.
Currently, Armenia is undergoing a cycle of rate reductions, and there are no anticipated interest rate hikes for 2026. This prediction was shared by Hovak Hovakimyan, the Director of Freedom Broker Armenia, during an interview with ARKA.
