"AMIO BANK" CJSC announces an open tender to select an insurance company for the purpose of "Complex Banking Risk Insurance" (BBB) and "Directors and Officials Liability and Company Compensation Liability Insurance" (D&O).
Insurance companies wishing to participate in the tender can submit the tender applications together with the required documents in sealed envelopes, indicating the addresses, full names of the sender (Participant of the Tender) and recipient (Organizer of the Tender) organizations, and a note to the "Tender Commission" by December 25, 2024 each working day from 09:15 to 16:45 to "AMIO BANK" at Nalbandyan 48, Yerevan, RA.
All participants will be informed about the tender results by January 10, 2025.
Insurance companies licensed by the Central Bank of RA, which carry out "Complex Banking Risk Insurance" (BBB) and "Directors and Officers Liability and Company Indemnity Liability Insurance” (D&O), can participate in the tender.
For information, contact Risk Management and Control Department of "AMIO BANK" CJSC (+37410) 59 20 30.

List of documents required for the tender:
- Application 
- Charter with additions and amendments (copy)
- Certificate of registration of the State Register with its inserts, including the insert of information about the director (copy)
- TIN (copy)
- A copy of the license to initiate insurance activities
- Reports submitted to tax authorities for the last accounting period
- A copy of the independent auditor's report of the previous reporting financial year
- Standard agreements of "Complex Banking Risk Insurance" (BBB) and "Directors and Officers Liability and Company Indemnity Liability Insurance” (D&O)
- Information on the number of insurance cases and the amount of insurance benefits (if any) for "Complex Banking Risk Insurance" (BBB) and  "Directors and Officers Liability and Company Indemnity Liability Insurance” (D&O)
- Information on cooperation with other banks in terms of "Complex Banking Risk Insurance" (BBB) and  "Directors and Officers Liability and Company Indemnity Liability Insurance” (D&O)
- (if available)
- Information on reinsurers
- Price offer
- Other documents as needed


**Requirements for the tender participants **
- In case of signing "Complex Banking Risk Insurance" (BBB) and "Directors and Officers Liability and Company Indemnity Liability Insurance” (D&O) agreements, the insurance premium will be deposited exclusively into the account opened by the insurance company at "AMIO BANK" CJSC.
- The price proposal for "Complex Banking Risk Insurance" (BBB ) and  "Directors and Officers Liability and Company Indemnity Liability Insurance” (D&O) should include the following:
1.	Bank general liability insurance 
2.	Electronic computer crime insurance (cyber insurance)
3.	Professional indemnity insurance
4.	Directors and Officers Liability and Company Indemnity Liability Insurance

"AMIO BANK" CJSC can choose the components subject to insurance from the sections above.

Amio Bank is supervised by the Central Bank of Armenia.


ANNOUNCEMENT

AMIO Bank and Mastercard have launched an exclusive offer for shopping lovers. 20% cashback* for purchases until 15.01.2025 inclusive at Zara, Mango, Massimo Dutti and Farfetch stores with AMIO Mastercard Digital, Gold, Platinum and World Elite cards. From Armenia, you can make online purchases**, and abroad, you can shop both online and at the mentioned stores.

*The minimum amount of one transaction must be 20,000 AMD in the equivalent of a foreign currency.
The maximum cashback amount for transactions made with the same card is 20,000 AMD or the equivalent in foreign currency

**Cashback applies only to purchases made on the foreign websites of the mentioned stores (e.g., Zara Greece, Mango Italy, etc.).

Amio Bank is supervised by the Central Bank of Armenia.


20% cashback at your favorite stores with AMIO Mastercard

To save, you need to earn more and spend less, but what if income sources are limited?
The tools are diverse, the approaches are numerous, and the opportunities are unlimited. In case of limited income, you can increase personal finances by purchasing bonds with Amio Bank.

Bonds are profitable and safe financial instruments guaranteed by the Deposit Guarantee Fund just like deposits. One of the advantages of bonds is high liquidity, you can sell them at any time and get the invested money. Moreover, additional income is also accrued in the form of interest paid.

Amio Bank has issued dram bonds with a nominal value of 100,000 drams and with an annual yield of 9.75% and dollar bonds with a nominal value of 100 dollars and with an annual yield of 4.75%.
The period for bond circulation is 30 months, the placement will last until November 21. Take advantage of this opportunity multiplying the income with Amio Bank.

You can also easily purchase bonds via AMIO Mobile app.
Get acquainted with the public offer of bonds (registered by the decision No. 1/124 A  dated 10.04.2024 of the Chairman of the Central Bank of Armenia), [here](https://www.amiobank.am/en/savings/bonds).

Amio Bank is supervised by the Central Bank of Armenia


Bonds as the best way to save

Amio Bank provides an Amio-MSME loan with attractive terms within the framework of the German- Armenian Fund's "MSME Support" loan program, which is aimed at the development of micro, small and medium entrepreneurship.
The main features of a business loan are:
- Competitive interest rate: 12% per annum
- A wide scope of financing purposes both for current business needs and investments

The minimum loan amount is 1 million drams, and the maximum is 260 million drams.
You can familiarize yourself with the details of Amio-MSME loan type [here](https://amiobank.am/en/business/lending/document?source=lending.accordion.2.content.0.name&title=lending.accordion.2.title&id=undefined):

Choose the best financial offer that meets your business requirements.
Amio Bank is supervised by the Central Bank of Armenia.


Loan for your business with attractive terms

News

**Dear customers and colleagues**

From October 16, 2024 to December 6, 2024 inclusive, "AMIO" CJSC plans to allocate 1 issue of nominal, coupon, non-documentary bonds through a public offer, under the following conditions:  

**Dollar bonds - AMARBBB2IER2**
- Bond Class: Nominal, Non-Convertible, Coupon Bond
- Form of bond: non-documentary
- Nominal value of the bond: 100 USD
- Number of bonds: 50,000
- Total face value of the bods: 5,000,000 USD
- Turnover period:   30 month
- Annual coupon yield 4.75% 
- Coupon payment frequency: quarterly
- Underwriter: "AMIO BANK" CJSC
- Placement start: 10/16/2024
- Placement end: 12/06/2024

The prospectus of coupon bonds of "AMIO BANK" CJSC was registered by the decision of the President of the Central Bank of RA No. 1/124 Ա dated April 10, 2024.
The supplement to the Program Prospectus of "AMIO BANK" CJSC has been registered on 31.05.2024 by the decision No. 1/194 A of the President of the Central Bank of Armenia, second addition to the Program Prospectus of "AMIO BANK" CJSC has been registered on 05.08.2024 by the decision 1/297 A of the President of the Central Bank of Armenia.
For the acquisition of bonds, investors must complete and properly submit the Bond Purchase Application/Applications to "AMIO BANK" CJSC (link).
Payment for the purchase of bonds must be made to the bank account **11500236924369 (for US dollar bonds)** opened in the Bank for the purpose of issuance.
The electronic versions of the prospectus, prospectus supplements, as well as the final conditions of issue and acquisition applications are available at the links below, and the printed version can be purchased at the head office of "AMIO BANK" CJSC (address: RA, 0010, Yerevan, Nalbandyan 48).

