Become a Unibank Shareholder and Benefit from an Attractive Offer
We offer an attractive combination of capital appreciation potential and income generation.
70%
Growth in share price since the IPO
10–12%
*Annual dividend yield
13.25%
Coupon yield on perpetual AMD-denominated bonds
VISA / MASTERCARD
Free issuance of premium-class cards
*Calculated based on dividends paid over the past three years. The indicated figure does not constitute a guarantee of future dividend payments or their amount. The decision regarding dividend distribution is made by the Bank’s General Meeting of Shareholders.
Why Invest in Unibank Shares
Potential for capital appreciation through realized growth in the value of shares
High liquidity: free float already exceeds 10%
Voting rights: participation in the Bank’s General Meeting of Shareholders
Savings diversification and long-term investment opportunities
Attractive dividend policy: target dividend payout level of at least 25% of the previous year’s net profit, subject to the availability of appropriate financial conditions
Tax benefits: income received from shares listed on the AMX is exempt from taxation, while income received from listed bonds is exempt from taxation until December 31, 2027
Attractive yield on perpetual bonds: 13.25% coupon yield
When investing in ordinary shares, investors can generate income from:
Dividends received from shares
The positive difference between the purchase and sale prices of shares — realized capital appreciation
Investors have the opportunity to acquire perpetual bonds at the following ratio:
For every 2,600 shares, investors may acquire up to 300 perpetual bonds.
If an investor holds more than 2,600 shares, the maximum number of perpetual bonds available for acquisition increases proportionally: for every additional 8 shares, the investor may acquire up to 1 additional perpetual bond.
Existing holders of the Bank’s ordinary shares
Existing holders of the Bank’s Class B and Class C preferred shares with fixed annual dividends
Individuals who acquire ordinary shares within the framework of the additional share issuance
Issue size
AMD 9 billion
Number of bonds
900,000 bonds
Bond nominal value
AMD 10,000
Coupon yield
13.25% for 36 months, thereafter floating rate
Coupon payment frequency
Semi-annual
The prospectus for the ordinary share issuance 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 Decisions No. 1/228A dated May 22, 2026, and No. 1/282A dated June 29, 2026.
For more details, please visit the “Shareholders” section.
