Performs a range of banking operations, which includes opening and servicing bank accounts, money transfers, issuance of personalized check books, currency exchange, issuance of warrants, as well as origination of commercial, study, consumer, mortgage, renovation, agricultural, deferred-payment loans and pawn-shop loans/loans assured by gold pledge, issuance and servicing of international VISA, MasterCard, American Express Gold and local ArCa plastic cards Awards - For five years (2000, 2001, 2002, 2006, 2008), The Bankera magazine of the authoritative British financial organization the Financial Times has acknowledged the bank as the yearAos best bank operating in the territory of Armenia