ARMENIA’SMICROFINANCESECTORATAGLANCEEconomyOverview.ThepoliciesadoptedbytheGovernmentofArmeniainthelastfewdecadeshaveimprovedthecountry’staxadministration,reducedthesizeoftheshadoweconomy,anddecreasedthelevelofpublicdebt.Thecountry’seconomyowesitsresiliencetotherecentshockstocarefulmacroeconomicmanagement,includingastablefinancialsector,aflexiblecurrencyrate,andanactiveinflation-targetingsystem.Table1:MainIndicators,2022IndicatorsActual(2022)Dynamics(YoY)Population,million2.98-GDP,current,$billion19.49GDPgrowthrate,%12.640.6%GDPpercapita,current,$6,7526.9aAverageannualinflation,%8.6Unemploymentrate,%1340.3%Averagegrosssalary,b$1.4aPublicdebt,%ofGDP540.5Bankingsectorassets,%ofGDP49.3(1.5a)98.715.4%(14.2a)(2.7a)()=negative,AMD=Armeniandram,GDP=grossdomesticproduct,YoY=year-over-year.aRepresentsthepercentagepoint.bCurrencyrate:$1=AMD391.2.Sources:StatisticalCommitteeoftheRepublicofArmenia,theWorldBank,andtheCentralBankofArmenia.In2022,theArmenianeconomygrewbyaremarkable12.6%,despiteadifficultexternalenvironment.Theshareofservicesingrossdomesticproduct(GDP)reached64.7%.Tourism,finance,andinformationtechnologyexperiencedthemostsubstantialgrowth,whileindustryaccountedfor23.9%andagricultureat11.4%.Thedouble-digitgrowthandtheArmeniandram’sappreciationofmorethan20%againsttheUnitedStates(US)dollarboostedArmenia’sG...
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