GENERAL INFORMATION

ARARATBANK was formed in 2004 as a result of acquisition of “Armsvyazbank”, which had been functioning in the country’s financial market since 1991. In September, 2005, the bank was renamed into a Closed Joint Stock Company. Since August 3, 2007, “ARARATBANK” became an Open Joint Stock Company.

In 2007, international “Global Rating” agency assigned the bank B+ “stable outlook” credit rating.

As of 31 March, 2010: total capital - 8 181 799 thousand AMD, the assets - 41 149 741 thousand AMD, the liabilities - 32 967 942 thousand AMD.

ARARATBANK is an issuer of shares and corporate bonds.

“ARARATBANK” OJSC’s shares

ARBK
Class	Ordinary nominal share
Nominal value	5000
Quantity	804300
Exchange abbreviation	ARBK
Listing date	12.06.2008
Listing category	C
Registration number	N/A
ISIN	AMARBKS10ER4
Number of shareholders	N/A

Bonds in circulation

Araratbank 3
Class	Coupon bond
Total volume, currency	250 000 000, AMD
Nominal value, currency	10000, AMD
Quantity	25 000
Coupon Yield	10%
Coupon Payment Frequency	quarterly
Exchange Abbreviation	ARBKB3
Placement starting date	14.12.2009
Placement conclusion date	25.12.2009
Listing Date	12.01.2010
Redemption Date	27.06.2011
Tier	Bbond
ISIN	AMARBKB23ER3
Additional information

Drawn bonds

Araratbank 2
Class	Coupon bond
Total volume, currency	400 000 000, AMD
Nominal value, currency	10000, AMD
Quantity	40000
Coupon Yield	9%
Coupon Payment Frequency	quarterly
Exchange Abbreviation	ARBKB2
Placement starting date	09.06.2008
Placement conclusion date	24.06.2008
Listing Date	23.07.2008
Redemption Date	24.12.2009
Tier	Bbond
ISIN	AMARBKB22ER5
Additional information

Araratbank 1
Class	Coupon bond
Total volume, currency	250 000 000, AMD
Nominal value, currency	10 000, AMD
Quantity	25 000
Coupon Yield	8%
Coupon Payment Frequency	quarterly
Exchange Abbreviation
Placement starting date	10.05.2007
Placement conclusion date	10.05.2007
Listing Date
Redemption Date	10.05.2008
Tier
ISIN	AMARKBB12ER6
Additional information