In 2025 Unibank's net profit amounted to AMD 9.8 billion. The Annual General Meeting of Shareholders of the bank made decision to pay AMD 9.3 billion dividends to shareholders.

The reporting year marked the 10th anniversary of Unibank's IPO. During this period, the Bank's share price has increased by approximately 70%, reflecting the Bank’s sustainable business growth, investor confidence, and consistent creation of long-term shareholder value.

Unibank became the first bank in Armenia to successfully issue perpetual bonds, completing the placement well ahead of schedule. Strong investor demand reflects the market's confidence in the Bank's future growth prospects.

The ambition to become the bank of first choice for customers remains one of Unibank's key priorities. To achieve this, the Bank continues to expand both its branch network and digital service channels, ensuring convenient access to financial services regardless of how customers choose to interact with the Bank. Today, becoming a Unibank customer is also possible online through biometric identification in the mobile application.

Artificial intelligence is a key driver of the Bank's future development, and Unibank will continue implementing AI-powered solutions to improve business efficiency. Unibank was among the first not only in Armenia but also in the region to introduce an AI-based unsecured loan scoring system, enabling the Bank to become a market leader in the number of POS loans issued.

Supporting small and medium-sized enterprises remains one of the Bank's strategic priorities. Unibank provides entrepreneurs with comprehensive support throughout every stage of business development from company registration and account opening to lending, leasing, merchant acquiring, and modern digital solutions. This enables SMEs to access a full range of financial services through a single partner and focus on growing their businesses.

To expand international cooperation, Unibank partnered with several major events, including BAFT Asia Bank to Bank in Singapore, the Yerevan Dialogue forum, which brought together heads of state and private sector representatives in Yerevan, and the FINTECH360 conference dedicated to discussing the latest trends in the digital transformation of the financial industry.

In 2025, the Bank received Visa's "Strategic Partnership Award 2025" and Mastercard's "Excellence in Partnership Development" award.

2026 will mark a milestone for Unibank as the Bank celebrates its 25th anniversary. Over the past quarter-century, Unibank has grown from a new market entrant into one of Armenia's growing banks, with assets reaching nearly AMD 400 billion.

Moody's Ratings affirmed Unibank B1 long-term local and foreign currency bank deposit ratings and maintained the stable outlook.

Alongside business growth, Unibank continues to implement corporate social responsibility programs. The Bank remains committed to supporting projects in sports and education, as well as other initiatives that create a positive impact on the community.

Unibank is regulated by the Central Bank of Armenia.
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