• Calling days and hours of the governing body of the National Bank of Moldova for citizens.

  • Sergiu Cioclea, Governor of the National Bank of Moldova

    1st Monday of the month: 14.00-17.00;
    Appointment: +373 22 822 606;

  • Ion Sturzu, Deputy Governor of the National Bank of Moldova

    4th Monday of the month: 14.00-17.00;
    Appointment: +373 22 822 607.

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Pursuant to its commitments to development partners, the National Bank of Moldova continues to reform the banking sector, focusing mostly on the transparency of shareholders and increase of attractiveness for new investors, assessment of bank management sustainability and identification of transactions concluded with the bank’s related parties.

During the first quarter of 2017, the banking sector assets continued to increase and the banks became more resistant, being capitalised with a high level of liquidity.

Thereby, an increased attention during the on-site and off-site inspections will be granted to the following areas: 1. Transparency of shareholders;  2. Credit risk, including non-performing loans, “large” exposures and exposures to affiliated persons;  3. Operational risk;  4. Internal Governance;  5. Anti-money laundering and terrorist financing.

During 2016, the NBM carried out quality assessments of the banks' shareholding and applied some remedial measures on large banks to ensure a transparent ownership structure. Thus, the assets recorded an increase and the banks became more resistant, being capitalised with a high liquidity level.

To ensure a transparent ownership structure, the National Bank of Moldova assesses the suitability of the shareholders of banks. Simultaneously, assets have increased in this period, banks are capitalized enough, but face some problems with the level of non-performing loans, the downward trend in lending being still persistent.

During the first semester, the banking sector recorded an increase in non-performing loans, but the high level of capital allowed banks to absorb losses generated by this increase. At the same time, the trend of reducing lending has maintained and the banking sector is still dependent on the circumstances of internal and external environment.

During the first quarter I of 2016, the capital increased due to recording a higher profit in the analysed period. At the same time, lending activity recorded a slowdown, while the banking sector remained to be vulnerable and dependant on the internal and external environment.

The total assets of the sector (except BC „BANCA SOCIALĂ” S.A., Banca de Economii S.A. and BC ”UNIBANK” SA.) were MDL 69,095.6 million, increasing by MDL 9,117.0 million (15.2 percent) compared with the end of the previous year.

The total assets of the sector were MDL 69,303.8 million, increasing by MDL 9,325.2 million (15.5 percent) compared with the end of the previous year.

In the first semester of 2015, the evolution of the indicators of the banking sector remains as a whole heavily distorted by the activities of the banks under special administration (B.C. ”BANCA SOCIALĂ” S.A., Banca de Economii S.A. and B.C. „UNIBANK” S.A.).

In the first quarter of 2015, the evolution of the indicators of the banking sector remains as a whole heavily distorted by the activities of the banks under special administration (B.C. ”BANCA SOCIALĂ” S.A., Banca de Economii S.A. and B.C. „UNIBANK” S.A.).

Tier I capital reached the level of MDL 8107.8 million as on 30 September 2014 and increased by 2.3 percent compared to the end of the last year. This development was largely determined by the profit on the system in the nine months of the year and the share issues at three banks.

Tier I capital reached the level of MDL 8140.4 million as on June 30, 2014 and increased by 2.7 percent. This development was largely determined by the profit on the system in the first half of the year and the share issues at three banks.

Tier I capital of licensed banks reached the level of MDL 8,177.5 million as on March 31, 2014 and increased by 3.3 percent in the first three months of the year.

 Tier I capital reached the level of MDL 7919.3 million as on December 31, 2013, increasing by 14.6 percent. This development was driven largely by the profit sector during the year and the issuance of shares of four banks.

As of September 30, 2013 the Tier I capital amounted to MDL 7600.2 million, increasing by 10.0 percent from the beginning of year. This increase shows a level of consolidation of the banking sector, enough to cope with unforeseen external or internal financial disturbances.

Tier I capital reached the level of MDL 7364.5 million as on June 30, 2013, increasing by 6.6 percent.  This development was driven largely by the profit on the sector in the first half of the year and by the issue of shares at a bank.

Tier I capital was MDL 7515.3 million as on March 31, 2013, increasing slightly by 8.7 percent as compared to the decrease of 2.3 percent recorded in the same period last year. As previously, this indicator expresses a level of consolidation of the banking sector, enough to withstand the conditions of unforeseen external or internal financial disturbance.

Tier I capital decreased by 6.4 percent, constituting 6924.0 million lei as at December 31, 2012. The decrease of this financial indicator was determined by the calculated but unformed yet amount of allowances for the impairment losses on asset and conditional commitments by MDL 977.2 million or by 61.1 percent, which is excluded from the calculation of Tier I capital.

As of September 30, 2012 the Tier I capital amounted to MDL 6636.7 million, decreasing by 10.3 percent from the beginning of year. This decrease was determined by the evolution of loan portfolio quality, in the context of reducing the growth rate of the national economy, amid vulnerable external macroeconomic environment.

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