Yerevan
Tbilisi
Moscow
Paris
Los Angeles
Beijing
English
Հայերեն Русский
Main Timeline Video Share
May the Holiday Warm Hearts: Idram and IDBank Support the Children of Heroes Beneficiaries of the "By Your Side" program at IDBank AraratBank Named Large CSR Company of the Year Idram Joins the Fight Against Food Insecurity Ucom’s Renovated Sales and Service Center in Yerevan Mall Reopens 1% idcoin instead of New Year’s suffering: practical tips Idram Junior Donated Books to Schools Big Christmas Market with Idram, IDBank and idplus Ucom Supports Wildlife Monitoring in Ararat Region IDBank, Idram, and idplus at the Big Christmas Market Converse Bank Deputy CEO and CFO, Grant Akopian, Elected to BACEE Board Ucom and SunChild NGO Install a Solar Plant in Alaverdi Kindergarten
Timeline
Love Is… card from Unibank can win a trip to Paris Learn by Playing. A Series of Financial Literacy Games with Idram, IDBank and “Novosti-Armenia”Ucom and the Microsoft Innovation Center Collaborate on Cybersecurity EducationUnisport – Armenian Futsal Cup holderSummer starts with iced coffee, what if it brings bonuses too? Idram&IDBank AraratBank reduces loan interest rates for around 400 reliable SME customersTeam Holding Announces the Launch of the Third and Final Placement Phase of USD Bonds. Underwriter - Freedom Broker Armenia Unibank Launches Biometric Identification in UNIMobile App Unisport reaches the finals of the Futsal Armenian Cup and Premier League IDBank was the strategic partner of the “Women in Leadership Forum & Awards 2026”Unibank Launches Fee-Free Online Payroll Card IssuanceUcom Supported the First-ever Western Asia Regional FPV Drone Race in Armenia Protect Yourself from Fraud: Safety Tips from AraratBankUnibank Offers 50% Discount on Cards During WeekendsPlanning your trip from a scratch: tips from IDBankIDBank supports the Opening Event of Wizz Air’s “Let’s Get Lost” CampaignUnibank provided cashback to more than 2 000 reliable SME borrowers AraratBank Supports Another Successful Entry into the Capital Market“Cannot deliver your package”. IDBank warns about fake messages from ‘’HayPost’’Ucom and SunChild Continue Joint Initiatives for a Greener Future
All Timeline »
Economics

Moody's upgrades long-term deposit ratings of Unibank to B1, outlook stable

Moody's has upgraded Unibank long-term local and foreign currency bank deposit ratings to B1 from B2 and changed the outlook on these ratings to stable. The bank's Baseline Credit Assessment (BCA) and Adjusted BCA have been upgraded to b2 from b3, long-term local and foreign currency Counterparty Risk Ratings (CRRs) to B1 from B2, and the long-term Counterparty Risk Assessment (CR Assessment) to B1(cr) from B2(cr). In addition, Moody's affirmed the Not Prime (NP) short-term local and foreign currency bank deposit ratings, NP short-term local and foreign currency CRRs and the NP(cr) short-term CR Assessment.

The upgrade of Unibank's BCA and Adjusted BCA to b2 from b3 is driven by a significant improvement in loan book quality and profitability over the last two years, while maintaining strong liquidity buffers. The upgrade of the bank's long-term local and foreign currency bank deposit ratings to B1 from B2 follows the upgrade of the BCA.

The net financial result of AMD 8.2 billion last year was largely driven by net interest income amid 35% growth in the loan portfolio. The bank's recurring revenue will continue to improve in the next 12-18 months thanks to stronger net interest margin and fee and commission income stemming from growing loan portfolio and transaction business.