Americas & Caribbean

Panama

Panama ni ile-iṣẹ banki ti o tobi julọ ni Central America, pẹlu eto-ọrọ dollarized (awọn US dollari nlọ lọwọ ni apapọ pẹlu balboa) ati agbegbe banki agbaye ti a ṣe ni ayika awọn iwe-aṣẹ ile-iṣẹ gbogbogbo, kariaye ati aṣoju. O tun jẹ ile-iṣẹ ti ọja aabo agbegbe ti a ṣakoso nipasẹ Superintendencia del Mercado de Valores.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes4

Awọn owo-ìwọ̀nPAB

Àwọn ìṣàmúlò-ètòBBB-

Awọn idibo to n bọMay 2029

Panama gbe lati Annex I si Annex II (ifowosowopo, pẹlu awọn adehun ti o wa titi lati ṣe ifilọlẹ) ti EU list of non-cooperative jurisdictions for tax purposes in the revision of 9 October 2026. O ti lọ FATF awọn iwadi ti o pọju ni Oṣu kọkanla 2023 ati pe a yọ kuro lati EU high-risk kẹta orilẹ-ede akojọ nipasẹ Delegated Regulation (EU) 2025/1184, ni agbara 5 August 2025. O ti ṣayẹwo 13 Oṣu Kẹsan 2026.

Ìjọba àti ìṣàlàyé

Gomina: Repúbliki Aare
Prezidanti: José Raúl Mulino · lati Oṣù Kejìlá 2024
Prezidanti: José Raúl Mulino (Realizando Metas (RM))
Àwọn ààyè-iṣẹ́: Realizando Metas (RM), ti a yan ni ajọṣepọ pẹlu Partido Alianza
Awọn idibo to kẹhin: Gbogbogbo (awọn aṣofin ati awọn ofin), 5 May 2024
Awọn idibo to n bọ: General (presidential and legislative), May 2029. President serves a single 5-year term
Àwọn Ìṣàmúlò-ètò: National Assembly: unicameral, 71 seats
Siséèsì Ìjọba: Awọn ofin sibẹsibẹ

Economics and finance

Awọn eniyan: 4.6m (2025)
Ìjánu-ìsún: USD 90.5bn (2025)
GDP fun ẹni kọọkan: USD 19,814 (2025)
Awọn owo-ìwọ̀n: Panaman balboa ati US dollar (PAB), dollarized: the balboa is fixed at par with the US dollar, which is legal tender and circulates as the paper currency
Central Bank of Nigeria: Ko sí banki ààyè-iṣẹ́ (Superintendency of Banks of Panama ń ṣetó banki; Banco Nacional de Panamá ní bankí orílẹ̀-èdè)
Àwọn ìṣàmúlò-ètò: S&P BBB- (iduroṣinṣin) · Moody's Baa3 (ko dara) · Fitch BB+ (iduroṣinṣin) (bi o ti September 2026)

Ipinle kan ti o da lori owo dola ni a ṣe ni Panama Canal, Colón Free Zone, awọn ibudo ati ile-iṣẹ banki kariaye ti a ṣakoso nipasẹ Superintendency of Banks.

Àwọn Irinṣẹ́

Àwọn Ìyàn-ìṣẹ́ Gbogbogbo

Awọn ohun-ini ti o kere juUSD 10m

AgbègbèIgbakeji Aare n ṣe ipinnu laarin awọn ọjọ 90 lati ọjọ ti a fi fọwọsi ohun elo naa (awọn ofin 48)

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

PAB 10 milionu ti a sanwo tabi ti a fi owo-ori silẹ, net of losses (art. 68)

Àwọn Ìṣẹ́: Texto Único de la Ley Bancaria (Decreto Ejecutivo No. 52 de 2008, ordering Decreto Ley 9 de 1998 as amended by Decreto Ley 2 de 2008), arts. 41, 47, 48 and 68
Àwọn Irinṣẹ́: Iṣẹ ofin ati iwadi ni ọdun kan jẹ PAB 30,000 pẹlu PAB 35 fun miliọnu PAB 1 ti awọn ohun-ini gbogbogbo, apakan ti o da lori ohun-ini ti o to PAB 100,000 (awọn nkan 225); SBP le ṣe ayipada rẹ.
Ìfihàn: Ko si eto iwe irinna.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Aṣàfilọ́lẹ̀ tí a fi pamọ́ nípa ìwé nínú́ ẹ̀kọ̀ọ̀nù Panama (apoderado legal)
Ìdajọ́ tí a fi pamọ́ fún àwọn olórí ilé-iṣẹ́
Ìdáràn tí a lè fi àwọn ohun-inì kejì lọ́wọ́lọ́wọ́ pamọ́, láti inú ìṣàfarawe-ìtọ́nà
Awọn iṣẹ-iṣe ti o ṣafihan igbẹkẹle ati iranlọwọ fun eto-ọrọ Panama
Ìyàn ìgbáralẹ̀-ètò tí a fi pamọ́ lórí, líǹẹ́ẹ̀sì tòójútó nínú àwọn àkọsílẹ̀ olólufẹ

Sources(1)

SBP: Texto Único de la Ley Bancaria · checked 2026-10-07

Àwọn Irinṣẹ́

Licencia Internacional (license international banking)

Awọn ohun-ini ti o kere juUSD 3m

AgbègbèIgbakeji Aare n ṣe ipinnu laarin awọn ọjọ 90 lati ọjọ ti a fi fọwọsi ohun elo naa (awọn ofin 48)

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

PAB 3 milionu ti a sanwo tabi ti a fun ni owo-ori (awọn ofin 68), ninu eyiti PAB 250,000 gbọdọ wa bi idogo aabo ni Banco Nacional de Panamá tabi Caja de Ahorros

Àwọn Ìṣẹ́: Texto Único de la Ley Bancaria (Decreto Ejecutivo No. 52 de 2008), arts. 41, 68 and 71
Àwọn Irinṣẹ́: Iṣẹ ofin ati iwadi ọdun kan PAB 15,000 (awọn ofin 225).
Ìfihàn: Ko si eto iwe irinna.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Iṣẹ́ tí a kọ̀ nínú ile-iṣẹ́ nínú Panama àti àwọn iṣẹ́ tí wọ́n gba ìròyìn lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́
Ìṣàmúlò-ètò tí a fẹ́ atí tí o yẹ̀, orílẹ̀ẹ̀kọ̀ọ̀kan àtí àwọn ààyè-iṣẹ́ ìṣẹ̀dàn bí ilé-ìṣẹ́ gbogbogbo
Awọn ofin igbẹkẹle owo-ori nibẹ ti SBP jẹ oludari ile-iṣẹ (akọsilẹ 71)

Sources(1)

SBP: Texto Único de la Ley Bancaria · checked 2026-10-07

Àwọn Irinṣẹ́

Licencia de Representación (representative office license)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèIgbakeji Aare n ṣe ipinnu laarin awọn ọjọ 90 lati ọjọ ti a fi fọwọsi ohun elo naa (awọn ofin 48)

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

Àwọn Ìṣẹ́: Texto Único de la Ley Bancaria (Decreto Ejecutivo No. 52 de 2008), art. 41
Àwọn Irinṣẹ́: Iṣẹ ofin ati iwadi ọdun kan PAB 5,000 (awọn ofin 225).
Ìfihàn: Ko si eto iwe irinna.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

A lè lò fún àwọn ile-ifowopamọ́ nìkan, tí a gbọdọ̀ lò láàrin
Ofiisi aṣofin nikan; ko si iṣẹ banki ni Panama

Sources(1)

SBP: Texto Único de la Ley Bancaria · checked 2026-10-07

Firma idoko-owo

Àwọn ààyè-iṣẹ́:

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

Àwọn Ìṣẹ́: Ley del Mercado de Valores (Decreto Ley 1 de 1999 as amended, including by Ley 67 de 2011, texto único)
Ìfihàn: Ko si eto iwe irinna.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ile-iṣẹ ti a fọwọsi nikan ni o le ṣe iṣowo oniṣowo-ọja tabi oludari idoko-owo ninu tabi lati Panama
Awọn amọja-aṣiro le tun fun ni imọran idoko-owo laisi iwe-aṣẹ aṣoju ti o yatọ
Àwọn ìṣàmúlò-ètò àti ààyè-iṣẹ́ tí a fi kọ́ nípa àwọn àṣẹ SMV (acuerdos)
Awọn oludari, awọn oniṣowo ati awọn onkọwe ti a fọwọsi
Ìyàn SMV tí o tílẹ̀ fún àwọn ìṣàfarawé àwọn ìṣakosoi

Sources(2)

SMV: Ley del Mercado de Valores · checked 2026-10-07
Decreto Ley 1 de 1999 (SMV copy) · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Superintendencia de Bancos de Panamá (SBP) · webu-iweawọn banki
Superintendencia del Mercado de Valores (SMV) · websiteInvestment firms, Funds

Oju-iwe ti o kere ju fun awọn oniṣowo-ọja ni a ṣe nipasẹ SMV acuerdo ati pe ko ti ṣalaye lati orisun ofiṣogun ninu idanwo yii, nitorinaa o jẹ buburu. Akọsilẹ akọkọ ti ọdun 1999 ti Decreto Ley 1 fipamọ iwe-aṣẹ oniṣowo-ọja kan ti PAB 5,000 ati owo-ori igbagbogbo ti 0.0025 ogorun ti iṣowo ọdun (PAB 2,500 to kere julọ); awọn nọmba wọnyi ko ti ṣayẹwo lodi si ọrọ ti o wa lọwọlọwọ, nitorinaa aaye ti awọn owo-ori jẹ buburu. Ko si crypto-asset tabi ofin lilọsiwaju iṣẹ olupese ohun-ini gidi ti a mọ lori awọn oju opo wẹẹbu SBP tabi SMV; ipo ofin rẹ ko ti ṣalaye lati orisun ofiṣogun ninu idanwo yii. Awọn ile-iṣẹ ipadabọ ati isanwo ati ere ori ayelujara (Junta de Control de Juegos) ko ti ṣayẹwo lati awọn orisun ofiṣiroyin ninu igbesẹ yii, nitorinaa wọn ko ni awọn ifiweranṣẹ. Ley Bancaria gba laaye SBP lati yi awọn owo-ori kekere ati awọn owo-ori igbagbogbo nipasẹ acuerdo.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Awọn Ìtàn Panama

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: Panama City
Agbègbè: 75,420 km²
Awọn ede Ofin: Spanish
Zone Time: UTC-05:00

Àwọn àgbéwọlé ìṣàfihàn

Panama Canal transit atí iṣẹ́ logítìki
Iṣẹ-ifowopamọ
Àwọn ààyè-iṣẹ́
Ọja
Pẹtalọ́wọ́lẹ̀ tí a wẹ́

Àwọn ìṣàfihàn ààyè-iṣẹ́

China
Japan
United States
Táìlì
Costa Rica

Sources for the country information(6)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(5)

FATF public statement 19 June 2026, as circulated by the Insurance Commission of The Bahamas · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2025/1184 · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2016/1675 (consolidated 29 January 2026) · checked 2026-10-07
European Commission: EU updates list of non-cooperative tax jurisdictions (17 February 2026) · checked 2026-10-07
SBP: Ley Bancaria · checked 2026-10-07