Internal Policies and Regulations

[title]The principles of the Bank's Executive Board assessment[/title]

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[title]Accounting Policy[/title]

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Laws and Legal Acts of RA
The main laws regulating banking activities
PunctRA Law on the Central Bank of Armenia
PunctRA Law on Banks and Banking
PunctRA Law on Bankruptcy of Banks and Credit Institutions
PunctRA Law on Banking Secrecy
PunctRA Law on Attraction of Banking Deposits
PunctRA Law on Currency Regulation and Currency Control
PunctRA Law on Securities Market
PunctRA Law on Funds transfer by Payment Order
PunctRA Law on Accounting
PunctRA Law on Join Stock Companies
PunctRA Law on Limited Liability Companies
PunctRA Law on Guaranteeing the Remuneration of Banking Deposits of Individuals
PunctRA Law Payment and Settlement Systems and Payment and Settlement Organizations
PunctRA Law on Combating Money Laundering and Terrorism Financing
PunctCivil Code of RA Law
PunctLabor Code of RA
PunctRA Law Cash Desk Operations,
PunctRA Law on Public Auctions
PunctRA Law on Consumer Lending
PunctRA Law on Financial System Mediator
PunctRA Law on Operation of Evaluating Real Estate
PunctRA Law on State Registration of Rights to the Property
PunctRA Law on Income Tax
PunctRA Law on Laws and Regulations
PunctRA Law on Electronic Communications
PunctRA Law on Electronic Document and Electronic Signature
PunctRA Law of Copyright and Related Rights.
PunctRA Law on Personal Data Protection.
The main legal acts regulating banking activities
PunctRegulation 1 "Registration and licensing of the banks and foreign banks branch-offices, Registration of the banks՚ branches and representative offices, Qualification and registration of the managers of the banks and foreign banks branch-offices",
PunctRegulation 2 "The regulation of banks՚ activities, the major economic standards for banking activity"
PunctRegulation 3 "On Banks reports and their publication and presentation"
PunctRegulation 4/03 "Reports presented to the Central Bank, their order, form and the terms to the persons providing investment services"
PunctRegulation 4/04 "Bill and accounting issuer statement",
PunctNo. 279-N decision on 07.10.2014 of CBA Board about revoking  No. 269-N decision on 09.09.2008 and establishing  the regulation about minimum requirements for entities reporting about  the field of prevention and combating money laundering and terrorist financing,
PunctRegulation 8/01 "Explanations and examples of the calculation of annual factual interest rate",
PunctRegulation 8/02 "On calculating annual interest profitableness of Bank deposits",
PunctRegulation "On publication of information by banks, credit companies, insurance brokers, investment companies, Central Depository, payments processing companies" CBA Regulation 8/03,
PunctRegulation 8/04 "The minimum conditions and principles represented to the internal acts of discussion of application-complaints customers operation",
PunctRegulation 8/05 "Procedure of collaboration, forms and minimum claims of the Bank and depositors, creditors and consumer՚s",
PunctRegulation 9 "Cash Transactions in Banks Operating in the Republic of Armenia",
PunctRegulation "On classification of loans and debtor liabilities and possible loss provisions operating in the territory of RA",
Punct"Minimum conditions of releasing internal control of the Banks",
PunctRegulation "On establishment of a loan register-informational system on creditworthiness of customers of banks, credit companies and branches of foreign banks operating in the Republic of Armenia and participation of banks, credit companies and branches of foreign banks therein".
PunctCBA Board’s  No. 142 decision of on 24.06.2014 about establishing  the Regulation of  providing electronic data to fiscal authorities about tax payers’ account opening and closing cases in RA Banks registered in the Tax service of RA and about revoking CBA Board’s No. 319 decision on 141.12.2001.
PunctCBA Board’s  No. 173-N decision on 09.07.2013 about establishing the Regulation about “ Providing minimum requirements of Cyber Security”.
PunctCBA Board’s decision No. 79 on 08.04.2015 about establishing the Regulation and conditions of receiving information from administrative fines, penalties from data system of RA Traffic Police   and for performing payments for required verification.
International standards
PunctISO/IEC 27001:2013, Information technology - Security techniques - Information security management systems - Requirements.
Updated: 09/08/2022 16:00