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Georgia Banking License

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Georgia Banking Licence and National Bank of Georgia Regulatory Framework

The National Bank of Georgia (NBG) is the supervisory authority for credit institutions operating under the Law of Georgia on Activities of Commercial Banks. Georgia has emerged as a competitive financial hub with a liberal economic policy, low tax environment, and simplified regulatory procedures that attract international banking investors.

Georgia's flat corporate income tax rate of 15%, applied only on distributed profits, combined with a strong association agreement with the EU, makes it a strategic location for banking entities serving Eastern European and CIS markets.

Minimum Capital

GEL 50 million minimum paid-up capital required for a full commercial banking licence. The NBG may apply higher capital requirements based on projected risk exposures.

Fit and Proper Assessment

All significant shareholders, directors, and senior managers must satisfy the NBG's fit and proper criteria covering financial standing, professional competence, and integrity.

Business Plan

A comprehensive business plan with three-year financial projections, risk appetite framework, and operational structure documentation is required for the authorisation application.

AML/CFT Compliance

Documented AML and CFT policies aligned with FATF recommendations and Georgian AML legislation must be in place prior to commencement of banking operations.

Neptune Fiduciaries: Georgia Banking Licence Support

Neptune Fiduciaries assists clients through NBG authorisation including company registration in Georgia, management vetting, business plan preparation, compliance framework structuring, and ongoing post-licence regulatory support.

Get in Touch

Contact Neptune Fiduciaries at info@neptunecorporate.com or sales@neptunecorporate.com or visit our Contact Us page.

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