According to the Central Bank of Armenia, as of the end of July 2026, the country’s commercial banks had extended a total of AMD 8,820,105 million in loans to residents. Of that amount, AMD 5,994,732 million was denominated in drams, while AMD 2,825,373 million was in foreign currency.
Compared with the comparable period of 2025, total lending increased by 25.9%. The data shows that consumer and mortgage lending remained the largest segments of the overall portfolio.
Consumer loans stood at AMD 2,029,211 million, including AMD 1,960,753 million in drams and AMD 68,458 million in foreign currency. Mortgage loans totaled AMD 1,817,062 million, of which AMD 1,737,499 million was in drams and AMD 79,563 million in foreign currency.
By sector, construction received AMD 992,182 million in loans, services AMD 925,372 million, financial and insurance activities AMD 813,328 million, trade AMD 805,679 million, and industry AMD 695,971 million.
Lending to agriculture amounted to AMD 463,887 million, while transport and communications accounted for AMD 277,413 million. In several sectors, foreign-currency lending retained a significant share, while consumer and mortgage lending was dominated by dram-denominated loans.
