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Become a Unibank shareholder and benefit from an attractive investment opportunity

Individuals and legal entities can acquire ordinary shares from Unibank’s new share issue until September 9, 2026, at a placement price of AMD 390 per share. The total volume of the current share offering amounts to AMD 3.9 billion, while the minimum investment amount is AMD 1,014,000.

Unibank shareholders have the opportunity not only to benefit from the potential increase in the value of shares but also to receive dividends. Since Unibank’s IPO held in 2015, the value of the Bank’s shares has increased by approximately 70%. The amount of dividends paid to shareholders has also grown. Based on 2023 results, AMD 4.1 billion was paid to shareholders, while this figure reached AMD 7.8 billion based on 2024 results and AMD 9.3 billion based on 2025 results.

At the same time, Unibank is carrying out a special placement of AMD 9 billion worth of perpetual bonds exclusively for its shareholders, regardless of the class of shares they hold. The coupon yield of the perpetual bonds is set at 13.25% per annum for the first 36 months, making this investment instrument one of the most attractive offers available on the market. After 36 months, the yield of the bonds will be determined based on the government bond yield curve. Investors who are not Unibank shareholders may also acquire perpetual bonds by participating in the Bank’s ongoing share offering.

Depending on the volume of shares acquired, Unibank also provides its shareholders with premium-class Visa or Mastercard cards free of charge.

"Successful placements of Unibank’s previous share issues demonstrate investors' confidence in our long-term development strategy. The Bank’s free float has already exceeded 10%. This time, we have introduced a new hybrid investment offering for the Armenian market, enabling investors to combine Unibank shares with high-yield perpetual bonds. This model allows investors to diversify their investments more effectively and benefit from the advantages of both financial instruments. As a publicly traded company, we adhere to high standards of transparency and accountability, continuously creating long-term value for our shareholders," said Mesrop Hakobyan, Chairman of the Management Board of Unibank.

Unibank ended 2025 with a net profit of AMD 9.8 billion, demonstrating significant growth across key financial indicators. The Bank’s assets amounted to nearly AMD 400 billion. The loan portfolio increased by 32.5% compared to the previous year, reaching AMD 264.6 billion in 2025. The retail loan portfolio grew by 24%, while the corporate loan portfolio increased by 37%.

As of the end of 2025, the Bank’s liabilities amounted to AMD 343.6 billion. The portfolio of issued bonds grew by 70% during the year. Unibank continues investing in the development of digital technologies and artificial intelligence, building a modern financial platform that supports the Bank’s sustainable growth and competitiveness.

The international credit rating agency Moody’s Ratings has affirmed Unibank’s long-term local and foreign currency deposit ratings at B1, maintaining a stable outlook.

The share prospectus was registered by Decision No. 1/210A of the Chairman of the Central Bank of Armenia dated May 13, 2026. The program prospectus for perpetual bonds was registered by Decision No. 1/427A of the Chairman of the Central Bank of Armenia dated November 26, 2025, while amendments to the program prospectus were registered by Decision No. 1/228A dated May 22, 2026, and Decision No. 1/282A dated June 29, 2026.

Investors may obtain printed versions of the share and perpetual bond prospectuses, as well as accompanying documents, at Unibank’s Head Office and branches. Electronic versions are available on www.unibank.am.