• Bank information segmentationAarma, August; Vainu, JaanProceedings of international scientific conference : Problems of the Economy Development in the Russian Enclave. Kaliningrad Region as a Pilot Region of Cross-Border Co-operation of Russia, the Baltic States, and Eastern Europe. Experience and perspectives2004 / p. 6-11
• Business environment quality and entrepreneurship development in the Baltic Sea RegionPõlajeva, Tatjana; Vensel, VelloProceedings of international scientific conference : Problems of the Economy Development in the Russian Enclave. Kaliningrad Region as a Pilot Region of Cross-Border Co-operation of Russia, the Baltic States, and Eastern Europe. Experience and perspectives2004 / p. 198-202
• Financial analysis of banks is methodology and the Estonian caseAarma, August; Vensel, VelloProceedings of international scientific conference : Problems of the Economy Development in the Russian Enclave. Kaliningrad Region as a Pilot Region of Cross-Border Co-operation of Russia, the Baltic States, and Eastern Europe. Experience and perspectives2004 / p. 12-17
• Former Soviet Union as the world champion in cheapness : lessons for economic policyRaim, JaanusProceedings of international scientific conference : Problems of the Economy Development in the Russian Enclave. Kaliningrad Region as a Pilot Region of Cross-Border Co-operation of Russia, the Baltic States, and Eastern Europe. Experience and perspectives2004 / p. 208-213