Data on the activity of Moldova commercial banks (thousands of lei) as of 31.07.2026
| Bank | Total assets |
Own funds |
Profit after tax |
LCR (%) * | Total deposits |
Individual deposits |
Total loans |
Loan impairment |
|---|---|---|---|---|---|---|---|---|
| Comertbank | 2 354 979.3 | 319 456.4 | 1 741.2 | 862.40 | 1 658 974.4 | 1 072 803.5 | 965 966.5 | 19 295.4 |
| Energbank | 3 582 360.4 | 750 496.3 | 22 344.5 | 165.00 | 2 421 248.1 | 1 613 293.0 | 2 227 563.9 | 48 270.3 |
| Eurocreditbank | 2 137 681.4 | 276 416.4 | 608.9 | 489.10 | 1 603 002.3 | 1 072 782.9 | 1 052 706.6 | 13 272.5 |
| Eximbank | 5 756 285.7 | 1 206 919.8 | 33 453.1 | 582.10 | 4 062 099.1 | 2 122 921.0 | 3 518 960.4 | 170 025.7 |
| Fincombank | 7 024 184.4 | 940 129.0 | 70 979.0 | 531.00 | 5 387 693.8 | 3 115 836.9 | 3 616 519.2 | 62 244.4 |
| maib | 73 334 813.3 | 8 934 238.4 | 1 230 088.3 | 333.70 | 55 803 114.5 | 35 468 410.6 | 43 537 131.4 | 1 344 697.8 |
| Moldindconbank | 46 084 194.3 | 5 870 140.6 | 850 208.9 | 329.40 | 37 131 347.4 | 26 507 497.9 | 28 353 887.9 | 1 049 988.6 |
| OTP Bank | 20 719 935.3 | 2 498 385.8 | 273 748.8 | 420.00 | 16 111 807.0 | 8 477 048.6 | 11 458 702.6 | 349 924.0 |
| ProCredit Bank | 8 136 014.4 | 1 013 243 011.0 | 54 963.7 | 264.70 | 5 794 996.1 | 3 163 661.4 | 5 616 597.2 | 82 451.8 |
| Victoriabank | 33 806 768.2 | 4 649 861.8 | 294 307.9 | 180.90 | 25 717 157.9 | 13 758 986.3 | 16 005 758.0 | 618 170.8 |
* LCR % — Liquidity Coverage Ratio (%)
The State Tax Service reported a continued rise in tax collections to the national public budget since the start of the year, with gains recorded across all major budget components. Last week's enforcement and audit activity also resulted in additional liabilities, VAT refund decisions and confiscation-related proceeds, underscoring the agency's intensified collection efforts.
The use of cashless payments continues to grow rapidly in Moldova: according to data from the National Bank, both the number of card transactions and their total volume have increased significantly in recent years. The report on the development of financial infrastructure also notes changes in the structure of payments, growth in transactions via digital apps, and the strengthening of the role of certain market players.
The NBM's increase of the base rate from 5% to 7.5% makes government borrowing more expensive, but has had little impact on lending to households so far — Veaceslav Ioniţă
The National Bank of Moldova raised its forecast for average annual inflation in 2026 from 7% to 7.2%, and for 2027 from 5.8% to 6.2%
In less than a year since joining SEPA, Moldovan citizens and companies have saved more than 13 million euros on cross-border payments in euros, and the country's financial system is becoming more stable and attractive to investors—NBM
The Moldovan government has approved a package of changes that significantly relaxes the rules governing foreign exchange transactions and gradually expands the options available to residents without requiring regulatory approval. The reform will affect not only limits and specific capital transactions, but also settlement procedures, account opening, and the handling of foreign financial instruments, with some restrictions set to be lifted in the near future.
Moldova is preparing to update its rules on the settlement and trading of financial instruments to bring them into line with EU standards and strengthen the market's protection against systemic risks. The amendments will affect the range of market participants, the powers of regulators, and supervisory mechanisms, and will also lay the groundwork for closer integration of the country's financial infrastructure with European standards.
AmCham Moldova has urged the central bank to reconsider a rule governing audit-firm rotation for non-bank payment service providers, arguing that the current framework is stricter than the law and may not deliver real auditor independence. The proposal could affect how often firms are changed in a sector where expertise in payment processes, IT systems and internal controls is seen as increasingly important.
Three Moldovan banks have continued repaying emergency loans to the National Bank, while also recovering additional funds through debt collection, asset sales and other proceedings. The latest data show that the overall repayment and recovery process remains active, with the breakdown by bank and funding source revealing important shifts in the pace of asset recovery.
After joining SEPA, Moldova has seen a noticeable impact from cheaper and faster transfers in euros: fees have decreased, the number of transactions has increased, and businesses have gained access to payment standards comparable to those in Europe. The National Bank notes that these changes are already having an impact not only on the expenses of citizens and companies, but also on the dynamics of foreign payments and overall economic activity.
Moldova's Ministry of Finance announced a new round of subscriptions for government bonds by individuals from August 10 to 24 via the eVMS.md platform
In Moldova, the national economy's total debt at the end of the first quarter of 2026 stood at 723.3 billion lei, an increase of 4.3% compared with the end of 2025.
Moldova will strengthen the independence of the National Bank and reinforce the ban on financing the public sector using central bank resources
Moldova's domestic public debt continued to edge higher in July, extending the year-to-date increase and remaining close to its recent peak. The rise was supported by stronger financing on the government securities market, while the latest data also point to changes in borrowing costs and the structure of the debt portfolio.
The corporate income tax rate for Moldlova's banks is set to increase by 50% starting in 2027—from 12% to 18%
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