Armenia's financial Intermediary Services Indirectly Measured (FISIM) (constant LCU) was 240.6 billion in 2025, the latest year in the World Bank's World Development Indicators. That is up 191.25% from 82.61 billion in 2015 (11.28% a year on average, compounded).
Key figures
| Value | Year | |
|---|---|---|
| Latest | 240.6 billion | 2025 |
| Five years earlier | 124.76 billion | 2020 |
| Ten years earlier | 82.61 billion | 2015 |
| Highest | 240.6 billion | 2025 |
| Lowest | 20.63 billion | 2002 |
| Average since 2016 | 131.08 billion | 2016–2025 |
| First recorded | 20.81 billion |
What the numbers say
In 2025, Armenia's financial Intermediary Services Indirectly Measured (FISIM) (constant LCU) rose 25.4% on 2024 (from 191.87 billion to 240.6 billion).
Across the 28 yearly changes before that (1997 to 2024), the average change was +9.4% and a typical year strayed about 16.4% from that (the standard deviation). This year's change was 1.0 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
On record, the biggest yearly rise was 53.4% in 2007 and the biggest yearly fall was 15.5% in 2021. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.
From 2016 to 2025 the straight-line trend is upward, about 13.55 billion a year. A straight line explains 70% of the movement over 10 observed years.
Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.
How it compares
In 2025, Armenia had the 4th highest value of the 19 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.
Closest to Armenia in the 2025 ranking
- Iraq — 1st of 19: 1.61 trillion
- Kenya — 2nd of 19: 325.97 billion
- Burundi — 4th of 19: 198.88 billion
- Congo, Dem. Rep. — 5th of 19: 71.31 billion
- Equatorial Guinea — 6th of 19: 63.54 billion
What this measures
Financial intermediation services which are implicitly charged in the form of either the difference between a reference rate and the interest rate actually paid to depositors, or the difference between the interest rate charged to borrowers and a reference rate. This indicator is expressed in constant prices, meaning the series has been adjusted to account for price changes over time. The reference year for this adjustment varies by country. This series is expressed in local currency units.
All 30 values
| Year | Financial Intermediary Services Indirectly Measured (FISIM) (constant LCU) |
|---|---|
| 2025 | 240,599,843,942 |
| 2024 | 191,865,904,300 |
| 2023 | 146,239,256,300 |
| 2022 | 107,213,531,000 |
| 2021 | 105,421,367,800 |
| 2020 | 124,759,015,100 |
| 2019 | 107,089,283,300 |
| 2018 | 103,970,178,000 |
| 2017 | 93,835,900,700 |
| 2016 | 89,795,120,300 |
Financial Intermediary Services Indirectly Measured (FISIM) (constant LCU) in nearby economies
- Azerbaijan — 2 million (2025)
- Isle of Man — 183.72 million (2023)
More economic policy & debt data for Armenia
- Adjusted savings, education expenditure (% of GNI) — 2.72% (2021)
- Adjusted savings, mineral depletion (current US$) — US$448.08 million (2021)
- General government final consumption expenditure (current US$) — US$2.98 billion (2025)
- General government final consumption expenditure (current LCU) — 1.15 trillion (2025)
- General government final consumption expenditure (% of GDP) — 10.19% (2025)
- Households and NPISHs final consumption expenditure (current US$) — US$20.79 billion (2025)
- Households and NPISHs final consumption expenditure (current LCU) — 8.05 trillion (2025)
- Households and NPISHs final consumption expenditure, linked series (current LCU)
Reading data like this
Questions people ask
- What is Armenia's financial Intermediary Services Indirectly Measured (FISIM) (constant LCU)?
- 240.6 billion in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 1996?
- It is up 1,056% from 20.81 billion in 1996 (8.81% a year on average, compounded). The highest value was 240.6 billion in 2025 and the lowest 20.63 billion in 2002.
- How does Armenia rank?
- 4th highest of 19 economies with data for 2025.
- Is the latest change in financial Intermediary Services Indirectly Measured (FISIM) (constant LCU) unusual for Armenia?
Source
World Bank, World Development Indicators, indicator NV.FSM.TOTL.KN, licensed CC BY 4.0. Original source: Country official statistics, National Statistical Organizations and/or Central Banks; National Accounts data files, Organisation for Economic Co-operation and Development (OECD); Staff estimates, World Bank (WB) Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.
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