The banking sector in well developed one in Georgia and it is fully in harmony  with international standards. All bank s are equipped  with ATMs and the employees  are  paid by means of credit cards. Major international card systems –Visa, Maters Card and American Express –are represented in the Georgian banking sector.  Most banks are ranked within the top three categories and are established as JSCs. All Georgian commercial banks are a universal silence that enables them to   provide their clients with all international banking services.The  high competition on the  local  banking market  resulted in introduction of new banking services  and products and in the improvement of the old ones.