Since July 1, 2026, financial institutions in Armenia providing remote services have implemented the "STOP" mechanism, allowing customers to independently restrict individual transactions or completely block remote financial services.
Risks to financial stability in Armenia are mitigated by banks' strong capital and liquidity positions, according to the international ratings agency Fitch Ratings.
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.
The report of the Council of Europe Committee of Experts on the Evaluation of Anti-Money Laundering Measures and the Financing of Terrorism (MONEYVAL) on Armenia documented the country's progress in developing its anti-money laundering and counter-terrorist financing systems, but identified insufficient effectiveness in investigations, prosecutions, and confiscation of criminal assets, as well as the need for stronger oversight in several economic sectors.
Armenia's international foreign exchange reserves have reached a record high, but their sufficiency to cover the country's external needs in the medium term will remain below the average for countries with similar credit ratings, according to a report by the international rating agency Fitch Ratings.
The international rating agency Fitch Ratings expects inflation in Armenia to average 4.4% in 2026, after which it will gradually return to its target level of 3%.
International rating agency Fitch Ratings has affirmed Armenia's long-term foreign and local currency Issuer Default Ratings (IDRs) at 'BB-' with a Positive Outlook.
On Thursday, the Armenian government approved the ratification of a financial agreement and the approval of a grant agreement with the International Bank for Reconstruction and Development (IBRD, a World Bank entity) for $284.4 million.
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
Since July 1, 2026, financial institutions in Armenia providing remote services have implemented the "STOP" mechanism, allowing customers to independently restrict individual transactions or completely block remote financial services.
Risks to financial stability in Armenia are mitigated by banks' strong capital and liquidity positions, according to the international ratings agency Fitch Ratings.
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.
The report of the Council of Europe Committee of Experts on the Evaluation of Anti-Money Laundering Measures and the Financing of Terrorism (MONEYVAL) on Armenia documented the country's progress in developing its anti-money laundering and counter-terrorist financing systems, but identified insufficient effectiveness in investigations, prosecutions, and confiscation of criminal assets, as well as the need for stronger oversight in several economic sectors.
Armenia's international foreign exchange reserves have reached a record high, but their sufficiency to cover the country's external needs in the medium term will remain below the average for countries with similar credit ratings, according to a report by the international rating agency Fitch Ratings.
The international rating agency Fitch Ratings expects inflation in Armenia to average 4.4% in 2026, after which it will gradually return to its target level of 3%.
International rating agency Fitch Ratings has affirmed Armenia's long-term foreign and local currency Issuer Default Ratings (IDRs) at 'BB-' with a Positive Outlook.
On Thursday, the Armenian government approved the ratification of a financial agreement and the approval of a grant agreement with the International Bank for Reconstruction and Development (IBRD, a World Bank entity) for $284.4 million.
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
In a Facebook post today Armenian Prime Minister Nikol Pashinyan spoke about the latest data on real estate deals, saying that when compared with July 2018, the number of real estate transactions in 2019 July increased by 17.1%, and when compared with June 2019- by 10.3%
Armenia’s acting Prime Minister Nikol Pashinyan asked today the Ministry of Defense and the Central Bank to look into the possibility of providing low-interest rate mortgage loans to contract servicemen
The Armenian government is preparing unprecedented mortgage rates for the social housing program, designed for young families, Armenian Prime Minister Nikol Pashinyan said during a live Facebook broadcast on late evening on September 2
Unibank has improved terms on mortgage loans by downing interest rates on a number of lending products, the press office of the bank reported on Wednesday
The Yerevan-based Converse Bank said today it has revised the lending terms as part of the Affordable Housing for Youth program, as well as the terms of refinancing with the funds of the National Mortgage Company, reducing the interest rates
The Yerevan-based Araratbank has announced a 1% cut in the interest rates on mortgage loans from July 31. It said in a news release that mortgage loans in Armenian drams are provided at 10% interest rate and a repayment period of 20 years
The VTB Bank (Armenia) has announced a ‘significant’ drop in the annual interest rates on mortgage loans provided in Armenian drams ‘to make mortgage loans available to a wider segment of customers
Prompted by development trends at the local mortgage market and the needs of customers the VTB Bank (Armenia) has announced a new mortgage product that allows customers to but homes with only 3% down payment
The Armenian parliament discussed today a draft law on mortgage lending, which when passed, will allow free transfer of mortgage loans from one bank to another
VTB Bank (Armenia) said its clients can now claim mortgage loans up to 25 million drams for buying or building/repairing homes at 11.5% and 12.5% interest rates respectively
Interest rates on mortgage loans in Armenia are affordable and almost equal to those in other countries of the region, Nerses Yeritsyan, deputy chairman of the Central Bank of Armenia, said Tuesday in the National Assembly
