Data on the activity of Moldova commercial banks (thousands of lei) as of 30.09.2026
| Bank | Total assets |
Own funds |
Profit after tax |
LCR (%) * | Total deposits |
Individual deposits |
Total loans |
Loan impairment |
|---|---|---|---|---|---|---|---|---|
| Comertbank | 2 370 128.7 | 312 162.9 | 2 350.5 | 551.60 | 1 691 516.2 | 1 060 823.6 | 1 006 122.3 | 18 602.6 |
| Energbank | 3 626 033.3 | 758 407.1 | 34 248.4 | 256.60 | 2 473 738.2 | 1 695 177.1 | 2 251 545.0 | 50 006.9 |
| Eurocreditbank | 2 211 432.9 | 274 242.2 | 2 819.0 | 400.40 | 1 672 202.6 | 1 110 721.3 | 1 052 667.2 | 13 661.3 |
| Eximbank | 5 827 352.0 | 1 209 484.5 | 31 678.8 | 745.50 | 4 116 506.3 | 2 148 589.9 | 3 527 831.2 | 182 648.4 |
| Fincombank | 7 037 895.4 | 938 260.2 | 91 639.5 | 752.00 | 5 370 019.0 | 3 141 201.2 | 3 695 987.7 | 64 453.8 |
| maib | 74 558 379.6 | 9 639 293.6 | 1 633 049.7 | 346.90 | 55 786 685.4 | 36 212 832.7 | 46 202 799.5 | 1 365 054.0 |
| Moldindconbank | 46 669 187.9 | 5 867 636.4 | 1 093 083.4 | 317.70 | 37 428 096.0 | 27 044 275.6 | 29 061 402.1 | 1 085 858.3 |
| OTP Bank | 20 400 869.5 | 2 513 712.9 | 358 096.4 | 376.00 | 15 613 444.2 | 8 468 255.8 | 11 866 597.9 | 352 338.9 |
| ProCredit Bank | 8 388 457.3 | 1 004 711.8 | 80 722.3 | 212.60 | 6 039 088.1 | 3 266 551.1 | 5 794 153.9 | 78 816.0 |
| Victoriabank | 35 200 624.8 | 4 633 101.1 | 391 847.0 | 135.00 | 26 856 100.6 | 13 846 136.4 | 17 116 187.4 | 668 393.5 |
* LCR % — Liquidity Coverage Ratio (%)
The National Bank of Moldova has once again raised its benchmark interest rate, bringing it to its highest level in the past three and a half years. The decision reflects a noticeable tightening of monetary policy: this article examines how the rate has changed in recent months and what levels the regulator has set in the past.
The National Bank of Moldova has once again tightened monetary policy by raising the benchmark rate and adjusting a number of related instruments. The decision was made amid accelerating inflation and revised forecasts, though the regulator left reserve requirement ratios unchanged.
Shareholders of the International Stock Exchange of Moldova approved an increase in the authorized capital through a private placement, which will form part of the project's second round of financing. The decision entails further corporate and regulatory procedures, as well as the granting of preemptive rights to existing shareholders and a limited group of investors.
The central banks of Moldova and Bulgaria have agreed to expand their cooperation as Chișinău moves toward aligning with European financial standards. The talks focused on reforms, the modernization of payment infrastructure, and Bulgaria's practical experience in the process of European integration, which could be useful for the Moldovan regulator's next steps.
In their first year of participating in the SEPA system, Moldovan citizens and companies saved approximately 16.4 million euros due to lower fees, and the average cost of a transfer in euros dropped to about 1 euro, although transaction fees had previously ranged from 20 to 150 euros - BNM
The National Bank of Moldova states that the course toward European integration is already bringing tangible benefits to the country's economy—ranging from increased stability to expanded access to financial services and new business opportunities. At an international forum in Sofia, participants discussed reforms, financial stability, and steps that could accelerate alignment with European standards.
Moldova's National Commission for the Financial Market considers covered bonds to be one of the key instruments for the banking sector and mortgage lending, as well as for the development of the capital market. This topic was discussed at an international conference in Chișinău, where participants addressed the necessary reforms, infrastructure development, and market readiness for the launch of this new instrument.
The National Bank of Moldova urges the public not to fall for misinformation about the banking sector that has been circulating since the cyberattack
The National Securities and Stock Market Commission (CNPF) and the European Bank for Reconstruction and Development (EBRD) continue to collaborate to bring the capital market into line with European Union standards
Moldova intends to accelerate the alignment of its regulations in the areas of payment services, foreign exchange transactions, and financial supervision with European standards as part of its EU accession negotiations. Authorities have already noted a number of changes that have been implemented, but key steps still lie ahead that could significantly impact the operations of banks, businesses, and the capital market.
The National Bank of Moldova and a European organization specializing in this field have agreed to expand their cooperation in the areas of mortgage lending, real estate financing, and financial stability. The agreement paves the way for the exchange of expertise, joint initiatives, and discussions on approaches that could influence the development of long-term housing finance and the capital market in the country.
In Moldova, bank lending continues to grow faster than the economy, but the National Bank assesses the risk of overheating as moderate. At the meeting on financial stability, participants also reviewed the state of the banking, non-banking, insurance, and securities sectors, which remain generally stable, although changes in portfolio quality and risk dynamics were noted in certain areas.
Moldova will open its negotiating position on one of the key chapters concerning economic and monetary policy to public discussion as part of its process of alignment with the EU. Authorities expect that the upcoming harmonization of regulations will affect the functioning of the financial system, the independence of the regulator, and approaches to public finance management.
Data stolen by cybercriminals during a cyberattack on government information systems does not provide direct access to citizens' funds in their accounts—Moldova Banking Association
Moldova continues to align its financial legislation with EU standards, with a focus on protecting customers of banks, insurance companies, and investment firms. The authorities are already drafting new regulations designed to make the terms of financial products more transparent and strengthen market oversight.
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