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ACBA Bank summarizes the results of 2024
... shares in 2024. The year 2024 was also a year of unprecedented development of partnerships with international organizations. ACBA signed record-breaking loan agreements and risk-sharing transactions with • European Investment Bank (EIB) • US International Development Finance ... ... Cooperation Agency (JICA) • International Finance Corporation (IFC) • European Bank for Reconstruction and Development (EBRD). In addition, in 2024, ACBA Bank and American Express also announced the expansion of their long-standing partnership. ...
06/18/2025Converse Bank and EBRD sign two loan facilities totaling US$ 8 million to support MSMEs and green projects
Converse Bank and the European Bank for Reconstruction and Development (EBRD) signed two loan agreements totaling US$ 8 million during the EBRD’s Annual Meeting in London. YEREVAN, May 15. /ARKA/. Converse Bank and the European Bank for Reconstruction and Development (EBRD) signed two loan agreements totaling US$ 8 million during the ...
05/15/2025Ameriabank partners with EBRD to support Armenian businesses through RSF framework
Ameriabank has signed a €50 million funded Risk Sharing Framework (RSF) agreement with The European Bank for Reconstruction and Development (EBRD) to facilitate Armenian firms’ access to finance. Under the RSF, the EBRD will co-finance individual loans provided by Ameriabank to eligible borrowers. YEREVAN, May 15. /ARKA/. Ameriabank has signed a €50 million funded Risk Sharing Framework (RSF) agreement with The European Bank for Reconstruction and Development (EBRD) to facilitate Armenian ...
05/15/2025Armenian State Revenue Committe and EBRD discuss border infrastructure development programs
... Thursday representatives of the regional and national coordination groups of the European Bank for Reconstruction and Development (EBRD). YEREVAN, February 21. /ARКА/. The chairman of Armenia's State Revenue Committee (SRC) Eduard Hakobyan received Thursday ... ... ensure the continuity of the cooperation. Earlier it was reported that the EBRD would provide Armenia with 12 million euros (loan plus grant) for the construction of a customs and logistics center in Syunik and a similar facility in Yerevan for 45 million ...
02/21/2025EBRD and EU, together with Galt & Taggart and Ameria Management Advisory launch a programme to support the Armenian capital market
The European Bank for Reconstruction and Development (EBRD) and the European Union, in collaboration with Galt & Taggart and Ameria Management Advisory, are launching a program to ... ... like to highlight the issue of insufficient information and the lack of a proper culture. Traditionally, the banking system and loan-based financing have dominated in Armenia," Mikaelyan said, responding to a question from the ARKA news agency about ...
12/11/2024EBRD to announce 44 million euro financing package for refugees in Armenia
... 44million will soon be announced and deployed via several partners banks for the benefit of refugees from Nagorno-Karabakh, EBRD Managing Director for Turkey and the Caucasus, Elisabetta Falcetti s said in an exclusive interview with the ARKA news agency.... ... structures to qualify as a “green building”. For the construction of this center in Syunik, the EBRD provided Armenia with a loan of 10 million euros and a grant of 2 million euros from the Special Shareholders Fund (SSF) to co-finance the project. The ...
11/26/2024EBRD, EU partner with ACBA LEASING to support Armenian firms
... LEASING. YEREVAN, October 16. /ARKA/. Micro, small and medium-sized enterprises (MSMEs) in Armenia are to benefit from new funding from the European Bank for Reconstruction and Development (EBRD) and the European Union (EU), made available through ACBA LEASING. The EBRD loan of US$ 5 million (€4.6 million) is complemented by the EU with grant incentives of up to 12.5 per cent of each individual loan to MSMEs and free local and international consultancy services, both funded under the EU4Business initiative. This ...
10/16/2024Modernization of Meghri border checkpoint discussed at Armenia's State Revenue Committee
... Armenia's State Revenue Committee (SRC), along with representatives from the European Bank for Reconstruction and Development (EBRD), the Government’s Program Implementation Office, and the UN Development Programme, held discussions on the ongoing reconstruction ... ... contractors, supervising engineers, and local authorities. The Meghri checkpoint modernization project, funded through a government loan program with the EBRD, is expected to be completed by 2026 and is being implemented by Iranian contractor Tana Energy Management....
09/10/2024Second tranche of loan for development of MSMEs provided to Ardshinbank by EBRD and EU
On May 16 2024, in Yerevan, in the circuit of 33rd EBRD Business Forum, Ardshinbank signed an agreement with the European Bank for Reconstruction and Development (EBRD) and the ... ... agreement will support MSME investments in sustainable technologies, as well as towards health and safety. All financed sub-loans are expected to align with the EBRD's Green Economy Transition (GET) initiative. Except long-term financing, sub borrowers ...
05/21/2024Minister: Armenia seeks to join major transportation projects from China to Europe
... TV, Finance Minister Vahe Hovhannisyan emphasized the importance of the European Bank for Reconstruction and Development's (EBRD) promise to invest up to 500 million euros in a number of projects in Armenia during 2024. YEREVAN, May 18. /ARKA/. In ... ... province bordering Iran. One is the construction of the Sisian-Kajaran section of the North-South Interstate Highway with an EBRD loan of 236 million euros, and the other is the establishment of a customs and logistics center in the Sisian region with an EBRD ...
05/18/2024EBRD provides $10 million to Armeconombank to boost support for micro, small and medium-sized businesses in Armenia
The European Bank for Reconstruction and Development (EBRD) is boosting its support for micro, small and medium-sized businesses (MSMEs) in Armenia by extending new financing to Armeconombank.... ... for micro, small and medium-sized businesses (MSMEs) in Armenia by extending new financing to Armeconombank. The EBRD’s loan of up to US$ 10 million (€9.2 million) will be provided in Armenian drams under the EBRD’s SME Local Currency Programme ...
05/17/2024EBRD and EU boost funding for Armenian firms via Inecobank
The European Bank for Reconstruction and Development (EBRD) and the European Union (EU) are stepping up their support for Armenian micro, small and medium-sized enterprises (MSMEs) ... ... competitive, both domestically and internationally, and to reduce their carbon footprint. The EBRD is providing a US$ 7 million loan to Inecobank for on-lending to Armenian firms, while the EU is complementing this support with grant incentives of up to ...
05/16/2024EBRD is providing US$ 10 million financial package to ArmSwissBank for on-lending to Armenian MSMEs
The European Bank for Reconstruction and Development (EBRD) is providing a US$ 10 million financial package to ArmSwissBank in Armenia to finance the private sector’s investments ... ... competitiveness at home and abroad by upgrading their production facilities and processes to EU standards. At least 70 per cent of the loans will go to support the green transition. Borrowers will receive incentive grants and technical advice funded by the European ...
05/16/2024EBRD provides Armenia with 12 million euros for construction of customs and logistics center in Syunik
The European Bank for Reconstruction and Development (EBRD) is lending €10 million to Armenia to finance the construction of a customs and logistics centre in the Syunik region. ... ... energy efficiency standards and be one of the country’s first public structures to qualify as a “green building”. The loan and grant agreements were signed today by Minister of Finance of Armenia Vahe Hovhannisyan and EBRD Vice President Matteo ...
05/14/2024Armenia to receive 12 million euros from EBRD for construction of customs and logistics center in Syunik
The Armenian government on Wednesday approved a proposal to sign an agreement with the European Bank for Reconstruction and Development (EBRD) to finance the construction of a customs and logistics center in the southern province of Syunik. According to the agreement, Armenia will receive a EUR 10 million loan and a EUR 2 million grant from the Eurobank. YEREVAN, May 8. /ARKA/. The Armenian government on Wednesday approved a proposal to sign an agreement with the European Bank for Reconstruction and Development (EBRD) to finance the construction of ...
05/08/2024EBRD to provide EUR 236 mln loan to Armenia for construction of Sisian-Kajaran section of North-South highway
The Armenian government on Thursday approved the signing of a 236 million euro loan agreement with the European Bank for Reconstruction and Development (BRD) to finance the construction of the southern Sisian-Kajaran ... .... He pointed out that the total credit funds for financing the project will amount to about 373 million euros, of which the EBRD will provide 236 million euros, the remaining 137 million euros will come from the European Investment Bank. The highway ...
05/08/2024EBRD and GCF support green investments in Armenia
Businesses in Armenia will have more opportunities to invest in green technologies thanks to a US$ 10 million (€9.3 million) loan, which the European Bank for Reconstruction and Development (EBRD) and the Green Climate Fund (GCF) are providing to Inecobank for on-lending to corporates and small and medium-sized enterprises (SMEs) for green investments. YEREVAN, May 3. /ARKA/. Businesses in Armenia will have more opportunities ...
05/03/2024Modernization of Meghri checkpoint on Armenia-Iran border will be completed in 2026
... 2023 between the State Revenue Committee of Armenia and Iranian Tana Energy Management Company, which won the international tender in December 2021. The modernization of the checkpoint will cost about 18.5 million euros. The project is financed by an EBRD loan. The contractor is to build a two-story administrative building with an area of 4,000 square meters with solar panels installed on the roof with an area of 1500 sq. meters. The checkpoint will be equipped with rooms for detailed inspection of vehicles,...
03/13/2024Construction of new landfill for Yerevan will cost 26 million euros (EXCLUSIVE)
... for Yerevan, which calls for construction of a landfill is estimated at 26 million euros, Yerevan Municipality exclusively told ARKA news agency. Municipality spokesman Hayk Kostanyan said out of this amount, 8 million euros will be provided by the EBRD and as much by the European Investment Bank as loans, and another 8 million euros in the form of a grant Armenia will receive from the EU’s Neighborhood Investment Facility (NIF). Kostanyan said another 2 million euros in the from of a grant are expected to come from the Eastern Europe Energy Efficiency ...
12/19/2023How Ameriabank continued to deliver success amid the volatility of the global markets
... September 2023 with 12% compound annual growth rate since 2019. Ameriabank is the largest lender in the market with AMD 902 bn loan portfolio and 19.1% market share as of 3Q 2023. In line with our universal banking model we continued to diversify our loan ... ... from its diverse and dedicated shareholder base, having also international development finance institutions as shareholders (EBRD & ADB). Ameriabank has made its commitment to the highest ethical standards and rigorous compliance with international requirements ...
12/13/2023Acba Bank attracts $10 mln loan from EBRD for boosting women entrepreneurship in Armenia
... number of projects. This loan will be provided in two stages: 6 million will be provided in the first stage and the remaining 4 million will be provided next year. The EU has provided us with additional financing in the form of guarantees, which make our loan more affordable. This is a multi-benefit program. Acba has a good portfolio of clients: we are very happy to assist it," said Alkis Vrienios Drakinos, EBRD Regional Manager for the Caucasus. Acba Bank has been cooperating with the EBRD since 2003. To date, the EBRD has invested more than €2 billion in 207 projects in Armenia, promoting private sector and green economy development. The bank is controlled ...
12/04/2023EBRD, EU and Sweden provide Acba Bank with $10 million loan for Armenian women-led firms
... medium-sized enterprises led by women in Armenia are set to benefit from greater access to finance as the European Bank for Reconstruction and Development (EBRD) extends fresh funds to Acba Bank, supported by the European Union and Sweden. A US$ 10 million EBRD loan to Acba, one of Armenia’s leading banks, will help it boost lending to women-led businesses in local currency, with an emphasis on reaching new clients and financing firms in rural areas. Women-owned firms account for 33 per cent of all businesses in Armenia....
11/30/2023EBRD and European Union provide Ardshinbank with $20 million credit for development of MSMEs
The European Bank for Reconstruction and Development (EBRD) and the European Union have provided Ardshinbank with a $20 million credit for the development of Micro, Small, and Medium-sized ... ... measures, as well as the adoption of environmentally friendly practices and resource efficiency. At least 70 percent of the loan will be allocated to funding green technologies. In addition, borrowers will benefit from free support from international ...
11/24/2023EBRD extends equivalent to US$ 15 million in Armenian drams to Acba Bank to reach more businesses in rural areas
As part of collaboration with the European Bank for Reconstruction and Development (EBRD) and the European Union a loan equivalent to US$ 15 million in Armenian drams will be extended by the EBRD to Armenian Acba Bank to help it reach more businesses, especially those located in rural areas. YEREVAN, September 6. /ARKA/. As part of collaboration with the European Bank for Reconstruction and Development (EBRD) and the European Union a loan equivalent to ...
09/06/2023EBRD delivers €117 million investment in Armenia in 2022
The European Bank for Reconstruction and Development (EBRD) invested €117 million in Armenia’s economy in 2022. YEREVAN, January 30. /ARKA/. The European Bank for Reconstruction ... ... Armenia, involving eight local partner banks, under its Trade Facilitation Programme . The Bank also extended a US$ 20 million loan to Telecom Armenia to finance more reliable and faster internet connections, helping to improve connectivity for 450,000 ...
01/30/2023EBRD Vice President and Managing Director to visit Armenia, Georgia and Azerbaijan
European Bank for Reconstruction and Development (EBRD) Vice President for Policy and Partnerships Mark Bowman and Managing Director for Eastern Europe and the Caucasus Matteo ... ... and the secretariat of the Investors’ Council of Georgia. While in Tbilisi, Mr Bowman is also expected to sign a sovereign loan agreement with the Ministry of Finance of Georgia for the rehabilitation and upgrade of up to 12 metro stations in the capital....
01/13/2023Yerevan Municipality to buy 87 MAN buses
... Tegeta Motors Holding (Georgia), chosen through an international tender. The agreement was signed by Yerevan Mayor Hrachya Sargsyan and Tegeta Holding Strategic Business Director Irakli Papiashvili. This project, implemented with the support of the EBRD - a €20 million sovereign loan and a €5 million grant from the Eastern Europe Energy Efficiency and Environmental Partnership Fund (E5P) - is an important part of the city’s public transport reform. The 12-meter long MAN buses can transport 94 passengers and comply with Euro ...
05/09/2022This is a very important project for Armenia: Ameriabank Board of Directors Chairman comments on $25 million loan agreement with EBRD (photos)
‘This is a very important project for Armenia that will definitely have a multiple effect as far as impact is concerned,” Andrew Mkrtchyan, Chairman of the Board of Directors of Ameriabank, said at a signing ceremony of a loan agreement with EBRD in Yerevan. YEREVAN, January 20, /ARKA/. ‘This is a very important project for Armenia that will definitely have a multiple effect as far as impact is concerned,” Andrew Mkrtchyan, Chairman of the Board of Directors of Ameriabank, said at ...
01/20/2022EBRD and donors provide $25 million to Ameriabank for on-lending to private businesses (video)
The European Bank for Reconstruction and Development (EBRD) is providing a US$ 25 million financial support to Ameriabank in Armenia for on-lending to private businesses in the country.... ... competitiveness at home and abroad by upgrading their production facilities and processes to the EU standards. At least 70 per cent of the loan proceeds will be used to finance investments in green technologies in accordance with the EBRD Green Economy Transition ...
01/20/2022Armenian government gives permission for ratification of EBRD loan to improve public transport in Yerevan
The Armenian government has given permission today to ratify a loan agreement with the European Bank for Reconstruction and Development (EBRD). YEREVAN, December 23, /ARKA/. The Armenian government has given permission today to ratify a loan agreement with the European Bank for Reconstruction and Development (EBRD). Earlier, EBRD said it was extending a €20 million sovereign loan to ...
12/23/2021Armenian government releases 948.3 million drams for rehabilitation of urban roads in Gyumri
... refurbishment entails replacing existing high pressure mercury-based lamps with modern energy-efficient technology using LED lamps. Territorial Administration and Infrastructure Minister Gnel Sanosyan said some 887 million drams of the amount are proceeds of a loan from the European Bank for Reconstruction and Development and grants from the EBRD Shareholder Special Fund (SSF) and Eastern Europe Energy Efficiency and Environmental Partnership (E5P) provided for the project and the rest is the government’s co-funding. He said the money will be used to pay three contractor companies for the ...
12/09/2021EBRD and multi-donor E5F fund to finance ‘green’ buses for Yerevan
The European Bank for Reconstruction and Development (EBRD) is extending a €20 million sovereign loan to Armenia for the benefit of the Yerevan Bus Company to acquire approximately new compressed natural gas buses. YEREVAN, November 24, /ARKA/. The European Bank for Reconstruction and Development (EBRD) is extending a €20 million sovereign loan ...
11/24/2021One success story with Converse Bank: when the idea turns into reality
... the development of the TV company. Once the shareholder meeting took the decision, the Company applied to Converse Bank for a loan, which was approved. After renovation the premises were leased to various companies. “We tended to work with young people ... ... Converse Bank. For video click https://www.youtube.com/watch?v=UgOR6G0zR2k The project was financed within the scope of the EBRD Women in Business Program. Converse Bank CJSC SME online lending platform- https://sme.conversebank.am/ Oversight of the ...
11/18/2021Armenia to buy another 100 buses for capital Yerevan
... the government-designed Yerevan Bus Program, the Yerevan Bus CJSC and the European Bank for Reconstruction and Development (EBRD). YEREVAN, October 28. /ARKA/. The Armenian government approved today the signing of an agreement between the government-designed ... ... Administration and Infrastructures Gnel Sanosyan said under the agreement the EBRD will provide the government with a 20 million euro loan and a 5 million grant. The money will be used to buy 100 new 12-meter buses. Sanosyan said this is another major assistance ...
10/28/2021Acba bank to lend $10 million EBRD loan to green farms, micro and small enterprises
Acba Bank and the European Bank for Reconstruction and Development (EBRD) signed a loan agreement in the amount of $10 million. YEREVAN, July1. /ARKA/. Acba Bank and the European Bank for Reconstruction and Development (EBRD) signed a loan agreement in the amount of $10 million. According to Acba bank press service, the funds provided by the EBRD will be channelled into financing green farms, micro, small and medium-sized businesses in Armenia. The attracted funds will be allocated both in Armenian drams and in US dollars. "Acba bank ...
07/01/2021Converse4Women - comprehensive support for Converse Bank female borrowers
Converse Bank, under a loan agreement with the European Bank for Reconstruction and Development, has attracted another tranche of $1 million in loans under the Converse4Women package, the Bank's press service said. YEREVAN, June 14. /ARKA/.Converse Bank, under a loan agreement ...
06/14/2021EBRD, EU and E5P to launch landfill construction in Armenia
The European Bank for Reconstruction and Development (EBRD) and the European Union (EU), in partnership with the Ministry of Territorial Administration and Infrastructure of Armenia,... ... environmental improvements in Hrazdan and the 11 other municipalities it will serve. The EBRD has extended a €5.5 million loan to construct the facility, alongside a €3.5 million grant from the EU Neighbourhood Investment Facility and a €2 million ...
04/15/2021FRV reaches financial close with IFC, EBRD, and Ameriabank for largest Utility Scale Solar Power Plant in Armenia
... emission of over 40,000 tons of CO2 annually. - The project signed a Power Purchase Agreement (PPA) with Electric Networks of Armenia which will distribute the electricity produced by the plant delivering significant benefits to the community. - IFC and EBRD will support the project with senior loans and an investment grant from the European Union, mobilised by EBRD . - Ameriabank will support the project with tailored VAT financing loan facility. This is currently the largest utility-scale solar power plant in Armenia. In 2018, FRV and the ...
03/25/2021Yerevan Metro is 40 years old
... a news conference today. He said the exhibitions dedicated to the 40th anniversary of the facility will be organized at Yeritasardakn and Republican Square stations starting from March 7. In 2010 the European Bank for Reconstruction and Development (EBRD) released 5 million euro loan to Armenia to carry on the rehabilitation and upgrade of Yerevan Metro. The EBRD’s sovereign loan was co-financed by an EIB €5 million loan tranche and an additional investment grant of €5 million from the EU’s NIF. The money was used as ...
03/05/2021Construction of Kotayk-Gegharkunik landfill to enter intensive stage
The construction of the Kotayk-Gegharkunik landfill as part of the EBRD-financed solid waste management program will soon enter an intensive stage, Armenian Minister of Territorial Administration ... ... Infrastructure Vache Terteryan said 125.6 million drams were earmarked for this project for 2021, of which 104.6 million drams are loan funds and 20.9 million drams are the government's co-financing. In 2019, 124.4 million drams were spent (54.3% of the projected ...
02/09/2021Armenia starting construction of Kotayk-Gegharkunik landfill
Armenia is starting the construction of the Kotayk and Gegharkunik landfill as part of the EBRD-financed solid waste management program, Deputy Minister of Territorial Administration and Infrastructures Vache Terteryan ... ... state budget for 2021. He said the total cost of the project for 2021 is e 125.6 million drams, of which 104.6 million drams are loan funds and 20.9 million drams are the government's co-financing. “This is a very long program with a long history, but we ...
11/06/2020Armenia to use EBRD funds to modernize Meghri border checkpoint
The Armenian parliament on Friday ratified a loan agreement on the modernization of the Meghri border checkpoint that was signed between Armenia and the European Bank for Reconstruction and Development (EBRD). YEREVAN, September 18. /ARKA/. The Armenian parliament on Friday ratified a loan agreement on the modernization of the Meghri border checkpoint that was signed between Armenia and the European Bank for Reconstruction and Development (EBRD). ...
09/18/2020IFC, EBRD and EU in cooperation with Fotowatio Renewable Ventures developing solar energy in Armenia
The World Bank Group's International Finance Corp (IFC), the European Bank for Reconstruction and Development (EBRD) and the European Union (EU) said Wednesday they would support the creation of the first utility-scale solar power plant ... ... Energy, a global leader in utility-scale renewable energy projects. IFC and EBRD each pledged to allocate $17.7 million long-term loans for the project. The program will also receive €3 million in investment grants from the European Union. The IFC financing ...
07/15/2020EBRD provides $20 million loan to Armenia’s ACBA-Credit Agricole Bank for on-lending to private companies
The European Bank for Reconstruction and Development (EBRD) said today it is providing a US$ 20 million loan to ACBA-CREDIT AGRICOLE BANK for on-lending to private companies in Armenia that have been affected by the economic impact of the coronavirus pandemic. YEREVAN, June 25. /ARKA/. The European Bank for Reconstruction and Development (EBRD) said today it ...
06/25/2020Construction of Kotayk-Gegharkunik landfill may kick off later this year- minister
... recalled that this program is being implemented with the assistance of the European Bank for Reconstruction and Development (EBRD). According to him, in 2019, 124.4 million drams were spent (54.3% of the projected amount for that year) mainly on consulting ... ... Yerevan, which is being implemented by the city hall. He said that a grant of $5.5 million was received for these purposes and a loan of the same amount at a floating rate of 0.75-1%. -0-
06/10/2020Electric Networks of Armenia to receive loans from EBRD and ADB
Electric Networks of Armenia CJSC (ENA), the single supplier of electricity in the country, will receive a $25-million loan from the European Bank for Reconstruction and Development and a$20-million loan from the Asian Development Bank., the company’s ... ... “We are so grateful to our partners for their commitment and great assistance in this difficult period.” Dimitri Gvindadze, EBRD Head of Armenia, said the pandemic has an impact on the economy and the society. “ENA’s work is crucial for Armenia’s ...
06/02/2020Armenia and EBRD sign loan agreement to modernize Meghri border crossing point
Armenian Deputy Prime Minister Mher Grigoryan received today a European Bank for Reconstruction and Development (EBRD) delegation, led by EBRD Vice President Pierre Heilbronn. YEREVAN, February 7. /ARKA/. Armenian Deputy Prime Minister ... ... by EBRD Vice President Pierre Heilbronn. Before the meeting, the Deputy Prime Minister attended a ceremony for signing of a loan agreement with the EBRD on modernization of Meghri Border Crossing Point. Grigoryan said the government was satisfied with ...
02/07/2020Araratbank to offer special loan program to Syrian Armenian refugees
Araratbank will offer a special loan program to Syrian Armenian refugees, the chairman of its Board Ashot Osipyan told reporters on Tuesday. He said the loan ... ... 123.109 billion drams, a 4.3% rise year-on-year. Araratbank was established in 1991. It is owned by Flash oil trader - 72.73%, EBRD - 18.33%, and RURAL IMPULSE FUND II SA SICAV SIF - 8.58%. ($ 1- 479.52 dram). --0--
06/11/2019Ameriabank provides 3 billion drams for construction of solar power plants
... equipment importers, manufacturers, financing companies and potential investors may meet. Experts from partner organizations such as EBRD, WB, Green Economy Financing Facility (GEFF), government representatives, as well as suppliers of solar panels and solar ... ... which is a very attractive investment offer," said Sahakyan. According to him, the only condition for obtaining such a loan is an energy efficient program and the readiness to cofinance 20-30% of the total project cost. The proposal is intended ...
05/14/2019U.S.- based DWM becomes a new shareholder of Inecobank CJSC
... Inecobank CJSC has announced the completion of a private transaction between the European Bank for Reconstruction and Development (EBRD) and US based developing World Markets (DWM) investment company, according to which the later acquired part of EBRD shares ... ... introducing an entirely new culture of banking services. In 2009 the Bank digitalized and fully automated the “Point of Sale Loan” product, reducing the loan generation time from 3-4 days to a few minutes. In 2012, with the introduction of InecoOnline,...
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