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The banking system of Georgia is still loss-making, due to the huge level of loss declared in March in the amount of Offshore banking in the Caucasus: affordable services from Georgian banks Banks of Georgia provide a wide range of financial services for both residents and non-residents. Georgian banks are also prepared to provide companies with a full range of banking services. It is difficult for a non-resident to open a personal account in a bank in Georgia, since many Georgian banks may show reluctance to work with non-residents.

It has been increasingly more challenging to open a corporate account for a company where the founders are non-residents. However, we are ready to provide our clients with these exclusive services. Deposit insurance system in Georgia In Georgia, deposits and funds on the current and card accounts of resident and non-resident individuals are insured within the limit of 15, GEL. It should be noted, however, that next year the government plans to adapt banking legislation to European standards and start insuring deposits of legal entities as well.

The police assert that the majority of cases are settled through out-of-court proceedings. While the Armenian government has made some progress on IPR issues, strengthening enforcement mechanisms remains necessary. A new Law on Copyright has been drafted and submitted to the government. It includes provisions from new international agreements and provides additional detail on many of the provisions in the current law. Copyright contract rights are better defined and examples of contracts between the user and the rights-holder are included.

The new legislation includes specific provisions from the Marrakesh and Beijing Treaties that regulate the rights of disabled artists and orphan works. The Armenian customs authorities track statistics related to the seizure of counterfeit goods, but the reports are not regularly updated.

Financial Sector Capital Markets and Portfolio Investment The banking system in Armenia is sound and well-regulated, but the financial sector is not highly developed, according to investors. IMF estimates suggest that banking sector assets account for about 90 percent of total financial sector assets, however, financial intermediation is poor.

Nearly all banks require collateral located in Armenia, and large collateral requirements often prevent potential borrowers from entering the market. The Armenian government welcomes foreign portfolio investment and there is a supporting system and legal framework in place. Liquidity sufficient for the entry and exit of sizeable positions is often difficult to achieve due to the small size of the Armenian market. The Armenian government hopes that as a result of pension reforms in , which brought two international asset managers to Armenia, capital markets will play a more prominent role in the financial sector of the country.

Credit is allocated on market terms and foreign investors are able to access credit locally. Money and Banking System The banking sector is healthy and indicators of financial soundness have increased in recent years. The sector is well capitalized and liquid, though dollarization is high. Non-performing loans have fallen to below 10 percent of total loans. There are 17 commercial banks in Armenia and 13 universal credit organizations, and there are extensive branch networks throughout Armenia.

As of the end of , the top three Armenian banks by assets are Ameriabank The minimum capital requirement for banks is 30 billion AMD There are no restrictions on foreigners to open bank accounts. Residents and foreign nationals can hold foreign currency accounts and import, export, and exchange foreign currency relatively freely in accordance with the Law on Currency Regulation and Currency Control.

Foreign banks may establish a subsidiary, a branch, or representative office, and subsidiaries of foreign banks are allowed to provide the same types of services as domestically-owned banks. Numerous other articles of legislation and supporting regulations provide for financial sector oversight and supervision.

Foreign Exchange and Remittances Foreign Exchange Armenia has no limitations on the conversion and transfer of money or the repatriation of capital and earnings, including branch profits, dividends, interest, royalties, or management or technical service fees. Most banks can transfer funds internationally within two to four days.

Armenia maintains the Armenian dram AMD as a freely convertible currency under a managed float. There are exceptions in the law, however, for transactions between resident and non-resident businesses and for certain transactions involving goods traded at world market prices.

The law requires that interest on foreign currency accounts be calculated in that currency, but paid in AMD. Remittance Policies Armenia has no limitations on the conversion and transfer of money or the repatriation of capital and earnings, including branch profits, dividends, interest, royalties, lease payments, private foreign debt, or management or technical service fees.

Sovereign Wealth Funds Armenia does not have a sovereign wealth fund, though the government is considering plans to create one. SOEs in Armenia operate as state-owned closed joint stock companies that are managed by the Department of State Property and state non-commercial organizations. There are no laws or rules that ensure a primary or leading role for SOEs in any specific industry.

SOEs in Armenia are subject to the same tax regime as their private competitors, and private enterprises in Armenia can compete with SOEs under the same terms and conditions. The current law on privatization, the fifth, is the Law on the — Program for State Property Privatization, which lists 47 entities for privatization, of which 24 are new additions and 23 were noted in earlier laws but not privatized.

Responsible Business Conduct There is not a widespread understanding of responsible business conduct RBC in Armenia, but several larger companies with foreign ownership or management are introducing the concept. It is rare to see examples of Armenian companies that contribute to local communities through charity, employee service days, or other similar programs.

However, RBC programs that do exist are viewed favorably. Some NGOs, notably business associations, are playing a more active role to promote responsible business conduct. As part of its EITI membership aspirations, the government in March adopted a roadmap to disclose beneficial owners in the metal ore mining industry. Some information is available regarding corporate governance, accounting, and internal controls to protect shareholders.

International observers note inconsistencies in this legislation and generally rate corporate governance practices as weak to fair. Domestic laws related to labor, employment rights, consumer protection, and environmental protection are not always enforced effectively. These laws and regulations cannot be waived to attract foreign investments.

The current government released a new official plan in January that includes a section on combatting corruption. The government has increased corruption investigations against mid- to high-level government officials since the revolution. Numerous high-ranking officials have stated publicly that corruption within their respective institutions will no longer be tolerated. Corruption, particularly in areas that have been reported to be critical such as the justice system, as well as concerns related to the rule of law, enforcement of existing legislation, and equal treatment, remain a significant obstacle to U.

Investors claim that the health, education, military, corrections, and law enforcement sectors lack transparency in procurement and have in the past used selective enforcement to elicit bribes. Civil courts are still widely perceived to be corrupt by the general public. Although bribery is illegal in Armenia for all citizens, the government does not actively encourage private companies to establish internal codes of conduct.

Several multinational companies, select local companies, and foreign and local companies working with international financial institutions have implemented corporate governance mechanisms to tackle corruption internally. However, such corporate governance principles are not widely implemented among local companies.

The objective and systematic scrutiny of declarations by government officials is generally considered to be lacking. According to international evaluations, Armenian authorities have limited capacities to investigate money laundering and bring such cases to prosecution. The Law on Civil Service, in force since , as well as the Laws on Municipal Service and on Local Self-Government , prohibit the participation of civil and municipal servants, as well as local government elected officials such as mayors and councilors, in commercial activities.

However, powerful officials at the national, district, or local levels often acquire direct, partial, or indirect control over private firms.

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Cunningham, C. Several measurements of the biomagnetic fields from peripheral nerves have already been reported [77,78]. For each nonclinical laboratory study, a scientist or other professional of appropriate education, training, and experience, or combination thereof, shall be identified as the Study Director. This information is all we need to reconstruct the equivalent transfer function: TF w 1 wherewn 20rad sec 1jw wn TF w 1 1 1jw 20 1j0.

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