The Story

The Story

Unibank started operations in 2001. The bank was founded by Gagik Zakaryan and George Piskov.

The Bank has a head office in Yerevan and 54 branches in Armenia, Artsakh, Kazakhstan and also the banks has a representative office in the Russian Federation. Unibank is one of the leaders in the retail market. The bank actively uses financial technologies and innovations to provide up-to-date banking services. Unibank was one of the first banks in Armenia to automate the loan application process; in 2020 the bank integrated artificial intelligence technology into credit scoring, which made it possible to quickly and efficiently process big data, analyze customer behavior, and create highly accurate customer profiles.

In 2018, SME Banking Club awarded Unibank the 2018 Most Innovative Bank certificate.
According to SPEAR'S Russia Wealth Management Awards 2018, Unibank Privé has the best private banking customer service in the CIS countries.
The IPO in 2015 has become one of the major steps in the development of Unibank. In 2020 the bank's dollar bonds were secondary-listed on the Moscow Exchange.
In 2020 Visa international payment systeм presented the bank with the Sustainability Icon award to commend the results of the successful partnership.
Moody's Investors Service affirmed the B2 credit ratings of Unibank, with a “stable” outlook. 
According to the decision (24 ԾՕՀ Ա) of the RA CB of 28.04.2017, «Unibank» OJSC, «RESSO» insurance CJSC 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

2021 Unibank’s Data Processing Center started to use green energy
Unibank’s “Moscow” branch was opened
Raiffeisen Bank International granted the "Quality Excellence 2020" award to Unibank
Intellectual games festival, dedicated to Unibank’s 20th anniversary, was organized
Unibank bond cross-listing at Moscow exchange was recognized the best deal of Armenia at Cbonds Awards CIS - 2021
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 USD bonds cross-listed on Moscow Exchange
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.
«Unibank Prive» won the SPEAR’S Russia Wealth Management Awards 2018 for the best private banking customer service in the CIS countries.
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
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.
Extensive Lending of mortgage and auto loans, occupying, respectively, second and first place in the RA banking sector.
2004 Joining Visa International payment system.
2003 Joining ArCa local payment system.
2002 Launching international Unistream Payment System.