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Unibank started operating in 2001. The main directions of development of Unibank are retail business, support to SMEs, private banking and international settlements. The bank has 50 branches and more than 100 promo points.
In 2015 Unibank provided its clients with an opportunity to become the bank’s shareholders. Through the Initial Public Offering (IPO), the bank issued shares to the public via the Armenia Securities Exchange (AMX).
In 2022, Unibank was recognized as the Best Equity Underwriter in Exchange's Corporate Securities Allocation System.
The bank is actively implementing new technology and innovation to ensure an up-to-date service. Being one of the leaders in the retail market, Unibank has launched credit scoring based on artificial intelligence. Apple Pay and Google Pay contactless payments are already available for the bank’s clients. According to the results of 2022, Visa rewarded Unibank with the Strong partnership in driving cashless award.
The transition to green energy for the purpose of decarbonization is one of the main components of Unibank's development strategy. Unibank's data center is now powered entirely by solar energy.
Sustainalytics, the experts of the leading analytical company in the field of ESG, provided the second party opinion on the concept of issuing green bonds of Unibank and confirmed that it aligns with the core components of the Green Bond Principles 2021.
Unibank’s private banking — Unibank Privé — is recognized as the best in Armenia in the Euromoney Global Private Banking Awards 2023.
Moody’s Investors Service affirmed the bank's B2 rating, outlook stable.
According to the decision (24 ԾՕՀ Ա) of the RA CB of 28.04.2017, «Unibank» OJSC, «REGO INSURANCE» Insurance Closed Joint-Stock Company and «Unileasing» universal credit company CJSC have been qualified as an Armenian multi-profile low risk financial group with a banking subgroup called «UNIGROUP».
In 2015 Unibank provided its clients with an opportunity to become the bank’s shareholders. Through the Initial Public Offering (IPO), the bank issued shares to the public via the Armenia Securities Exchange (AMX).
In 2022, Unibank was recognized as the Best Equity Underwriter in Exchange's Corporate Securities Allocation System.
The bank is actively implementing new technology and innovation to ensure an up-to-date service. Being one of the leaders in the retail market, Unibank has launched credit scoring based on artificial intelligence. Apple Pay and Google Pay contactless payments are already available for the bank’s clients. According to the results of 2022, Visa rewarded Unibank with the Strong partnership in driving cashless award.
The transition to green energy for the purpose of decarbonization is one of the main components of Unibank's development strategy. Unibank's data center is now powered entirely by solar energy.
Sustainalytics, the experts of the leading analytical company in the field of ESG, provided the second party opinion on the concept of issuing green bonds of Unibank and confirmed that it aligns with the core components of the Green Bond Principles 2021.
Unibank’s private banking — Unibank Privé — is recognized as the best in Armenia in the Euromoney Global Private Banking Awards 2023.
Moody’s Investors Service affirmed the bank's B2 rating, outlook stable.
According to the decision (24 ԾՕՀ Ա) of the RA CB of 28.04.2017, «Unibank» OJSC, «REGO INSURANCE» Insurance Closed Joint-Stock Company and «Unileasing» universal credit company CJSC have been qualified as an Armenian multi-profile low risk financial group with a banking subgroup called «UNIGROUP».
Below You can see global Bank’s events
| 2023 |
Unibank’s private banking — Unibank Privé — was recognized as the best in Armenia in the Euromoney Global Private Banking Awards 2023. Pinnacle Partnership Award by Visa Unibank became the main sponsor of the Wrestling Federation of Armenia Unibank and Matena International Business School for Leadership and Professional Development became partners Unibank became a member of the Chamber of Commerce and Industry France Armenia (CCI FA) Unibank launched Google Pay support for card users in Armenia Unibank launched a new service - Visa Direct FINTECH360 international conference held in Yerevan with the support of Unibank A new sports club Unisport was opened with the support of Unibank Unibank’s futsal team became the winner of Financial banking conference |
| 2022 |
Unibank’s "Hayreniq" and "Tashir" branches were opened Unibank Brings Apple Pay to Customers Unibank has been awarded by Visa for strong partnership in driving cashless Sustainalytics Confirmed the Compliance of Unibank’s Green Bond Framework with the International Standards Unibank became a regular partner of “Pan-Armenian intellectual movement” Digital banking laboratory was opened at the National Polytechnic University of Armenia with the financing of Unibank |
| 2021 |
Unibank’s Data Processing Center started to use green energy Raiffeisen Bank International granted the "Quality Excellence 2020" award to Unibank Intellectual games festival, dedicated to Unibank’s 20th anniversary, was organized Unibank issued preferred shares “Arin Berd” branch was opened SME Banking Club included Unibank in the list of the banks offering the best business loans Unibank was recognized as the best innovative member of the Armenian Stock Exchange |
| 2020 |
Unibank received Visa "Sustainability Icon" Award Unibank branch opened in Aparan Unibank’s “Sisian” branch was opened Unibank launched credit scoring based on Artificial Intelligence |
| 2019 |
Unibank opened the new «Gevorg Chaush», «Noragavit», «Isakov», «Gugark» and «Ararat» branches. VLV Electronics store chain of electronics recognized Unibank as the best partner of 2019. SME Banking Club awarded Unibank with a certificate of the «Most Innovative Bank 2018». Visa international payment system named Unibank the winner in the “Largest Visa Issuance in Armenia” category for being a leader in the number of card issuance in Armenia. Unibank continued implementing the support program of borderline schools.The secondary school of Shaghat in Sisian was replenished with new sports equipment, and a new tatami was provided to the judo team. |
| 2018 |
Unibank and the Export Insurance Agency of Armenia signed an agreement. Unibank, in the frameworks of social responsibility, started a financing program for school improvement and equipment. Unibank and FMO started the implementation of «Women in Business» lending program. With the initiative of the RA’s Ministry of Culture and the support of Unibank, the jubilee concert dedicated to the world-famous duduk Master Jivan Gasparyan’s 90th anniversary took place. Unibank completed 4 issues of bonds,allocating bonds in the amount of AMD 1 billion and USD 5 million. |
| 2017 |
Ordinary nominal shares of «Unibank» OJSC have been delisted and moved to free market (C). Unibank has been awarded with a certificate of compliance with the requirements of PCI DSS 3.2 standards. With the help of Unibank, «Masters create masters» symphonic concert of young composers took place at Aram Khachatryan concert hall. Unibank’s delegation took part in Cyber Central Summit in Prague. Bako Sahakyan awarded Gagik Zakaryan, the Board Chairman of «Unibank» OJSC, with the «Vachagan Barepasht» medal. The Union of Banks of Armenia awarded the Board Chairmen of Unibank Gagik Zakaryan and Vardan Atayan with the «Tigran Mets» medal. Mesrop Hakobyan got the position of Executive Board Chairman at Unibank. Unibank was the first to have successfully completed SWIFT certification. |
| 2016 |
Unibank switched to the new ProtoCRM system operated by «Protobase Laboratories». For the first time, Unibank issued USD nominal coupon bonds that were on the Abond list of «NASDAQ OMX Armenia». Unibank exercised a modern data processing center which is a universal information infrastructure designed for the allocation and flawless operation of server, network and communication equipment. Moody’s Investors Service international agency confirmed the B3 rating of Unibank’s AMD and foreign currency long-term deposits making the forecast «positive». Unibank celebrated the 15th anniversary of its foundation. Unibank’s ordinary nominal shares were moved from «NASDAQ OMX Armenia»’s secondary «B» list to the main «A» list. Unibank was announced the «Partner of the Year» at the international «Banking of the Future 2016» summit in Athens. Board of the Bank made a decision on distributing interim dividends to the ordinary nominal shareholders for January-September period of the current year in the form of ordinary nominal shares. Unibank’s total capital exceeded the amount of AMD 35,2 billion. |
| 2015 |
Legal transformation into Open Joint Stock Company Moody’s Rating – B2 with Stable Outlook RBI STP Quality Award by Raiffeisen Bank International for high quality international WIFT transfers Introduction of ISO 27001:2013 information security standards Account Operator in the Depositary system and a member of Unified System of Security Registry Maintenance and Settlement Cooperation with European Investment Bank (EIB) Annual Mercury Awards - winner in the nomination of People’s Bank Successful completion of first IPO- 2.5 bln AMD |
| 2014 |
Cooperation with IFC and BSTDB – USD 15 mln loan to expand SME lending Advisory services agreement with IFC aimed at improving SME credit underwriting and risk management.
Launching One Window service at branches.
Launching Intel Express Money Transfer Reaching the benchmark of 250 000 active customers.Start of Unibank Prive service. |
| 2013 |
Launching own processing center. Introduction of cloud based credit scoring and document circulation system. Participation in the Loan Guarantee Fund program, implemented by USAID on a tender basis. |
| 2012 | Best FX Dealer by Thomson Reuters. |
| 2011 |
Participation in Asian Development Bank’s Trade Finance Programme. Share Capital increase to 11 400 million AMD and receiving a subordinated loan of 2 801 million AMD. Best Cooperating Bank Financial System Mediator Award. |
| 2010 | Obtaining Moody's Investors Service Rating - Financial stability E+, long-term rating of Ba3, short-term rating of NP on deposits in national and foreign currency. Outlook Stable. |
| 2009 | Central database and online operation. |
| 2008 | Member of the Armenian Nasdaq OMX stock exchange. |
| 2007 |
Share Capital Increase up to 8 599 million AMD. Starting joint Corporate Governance Program with ABN AMRO bank. |
| 2006 |
Unibank became a participant of the following programs: 1. IFAD program of investment promotion in rural areas, 2. SMEDNC foundation program of SMEs’ development. |
| 2005 |
Extensive Lending of mortgage and auto loans, occupying, respectively, second and first place in the RA banking sector. |
| 2004 | Joining Visa International payment system. |