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 has released a draft of new regulations for public consultation that significantly change the approach to digital resilience in the financial sector. The document will address IT risk management, incident response, system testing, and oversight of third-party providers, and the requirements are scheduled to be implemented in phases starting in 2029.
The National Bank of Moldova will host an international conference in Chisinau dedicated to the development of the secured bond market and long-term mortgage financing. The event will feature discussions on European experience, regulatory approaches, and practical solutions that could change the conditions under which banks raise funds and expand housing financing opportunities in the country.
Against the backdrop of accelerating European integration and reforms in the financial sector, Moldova is strengthening its position as a destination for investors. Authorities note significant changes in the payment infrastructure, access to capital, and assessments by international rating agencies, as well as new business opportunities at the intersection of regional markets.
Moldova has proposed that the EIB explore the possibility of establishing an investment fund to support agricultural projects and economic development
Moldova is preparing for a phased easing of foreign exchange regulations: starting in November, changes will take effect that will significantly expand the options available to citizens and companies when conducting transactions involving foreign currency, overseas accounts, and investments. However, some restrictions will remain in place, and the National Bank's oversight will be restructured to account for new risks and financial security requirements.
The NBM's foreign currency reserves decreased by 10.19 million euros (-0.18%) during the most recent reporting week, totaling 5 billion 613.34 million euros as of October 16
Moldova's public debt reached a new all-time high in September, continuing to rise both compared to the previous month and since the beginning of the year. The Ministry of Finance attributes the increase to trends in domestic and external debt, while the structure of the debt is also changing, and its burden on the economy remains a focus of market attention.
A Public Finance Confidence Barometer has been launched in Moldova as part of a financial education project
The National Bank of Moldova stated that the banking sector remains stable and highly capitalized, and that negotiations on aligning with European prudential standards are progressing. The regulator also noted that the modernization of the payment infrastructure is already changing conditions for customers and businesses, though the key details and implications of these steps will only become clear from the full version of the report.
In Moldova in September 2026, net demand for foreign currency from economic agents was met by net supply from individuals at a rate of 97.4%, compared with 110.3% in August
The National Bank of Moldova has begun drafting a regulation that will establish the procedure for residents to report information on external loans and credits received and granted
In Moldova, from January through August 2026, the extent to which companies' net demand for foreign currency was met by net supply from individuals stood at 95%, compared with 83.4% during the same period last year
The experience of implementing the MIA instant payment system was presented at a major international fintech event in Washington, D.C., where digital payments, open banking, and new technologies in the financial sector were discussed. The discussion focused on approaches to launching such systems, scaling them up, and what solutions could pave the way for the next generation of services for consumers and businesses.
The National Bank of Moldova is promoting reforms that accelerate the country's integration into the European financial area and transform approaches to payment infrastructure. Discussions are centered on further regulatory harmonization, the development of modern payment services, and cooperation with European partners—details of which could prove significant for the banking sector and the market as a whole.
Cooperation with the IMF has helped Moldova make progress in implementing reforms in various areas, including the financial sector, and the Fund's support is contributing to the implementation of economic reforms—BNM
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