Total assets for Zambia's commercial banks totaled USD 780 million in 1997. Capital is generally not raised through public stock offerings. Civil disturbances are rare in Zambia and will likely remain so. Unrest in countries bordering Zambia has caused refugee influxes in the past, and contributed to crime near the borders. Laws and penalties exist for efficient enforcement.
Governmental corruption is a continuing problem, particularly in procurement and contract tendering.
It is not illegal or unusual for government officials to win government contracts. There are no known bilateral investment treaties. OPIC insurance is available to U.S. investors in Zambia. An investment incentive agreement with the U.S. OPIC was signed in June 1999. Skilled and professional workers are in short supply.