* The information is available on a quarterly basis.
** The sum of the most recent four available quarters of quarterly GDP has been used.
*** The sum of the aggregated amount of credit exposures to clients or a group of connected clients, which is by size the first ten credit exposures, after taking into account the effect of reducing credit risk in accordance with Chapters VI-IX of the Large Exposures Regulation No. 109 of April 5, 2019 shall not exceed 30% of the total loan portfolio of a bank after reducing the allowances for losses on loans and conditional commitments issued to ten persons, including groups of connected clients, which are the first in size loan exposures reducing provisions for losses on relevant conditional commitments. If the same debtor is included in several groups of connected clients, when calculating this indicator, the exposure for that person will be included only once within the group that includes the highest exposure for the bank.
**** The value of the maximum exposure to a client or a group of connected clients/Eligible capital (≤15%), in accordance with Chapters VII–VIII of the Regulation on Large Exposures No. 109 dated 05.04.2019, represents the exposure after applying exemptions and credit risk mitigation.
¹ The calculated but unreserved amount of allowances for impairment losses on assets and conditional commitments represents the difference between the allowances calculated for losses on assets and conditional commitments and the allowances for impairment losses on assets and conditional commitments, according to IFRS.
² The level of capital impairment represents the difference between the value of the calculated amount of allowances for losses on assets and conditional commitments and the balance of non-performing assets and liabilities divided by Equity Tier 1 capital and multiplied by 100.
³ Funds due from banks, excluding National Bank of Moldova (principal amount) represent the funds registered into “Nostro” accounts in banks, funds placed overnight, pledged placements with banks, term placements with banks, and credits granted to banks.
⁴ Funds due from foreign banks (principal amount) represent the funds registered into “Nostro” accounts in foreign banks, funds placed overnight, pledged placements with banks, term placements with foreign banks, term placements with foreign banks, and credits granted to foreign banks.
⁵ The balance of net non-performing credits (principal amount) / Total own funds represents the difference between the balance of non-performing credits debt subject to classification according to the Regulation on classification of assets and conditional liabilities no. 231/2011 and the amount of allowances calculated for losses on non-performing credits divided by the value of total own funds and multiplied by 100.
⁶ The balance of net non-performing assets, including credits / Total own funds represents the difference between the balance of non-performing assets, including credits subject to classification according to Regulation no. 231/2011 and the amount of allowances calculated for losses on non-performing assets, including credits divided by the value of total own funds and multiplied by 100.
⁷ Monthly average value of interest-bearing assets/ Monthly average value of assets represents: monthly average value of interest-bearing assets, which is the principal amount of all assets of the bank (not taking into account interest rates, value adjustments and allowances for impairment losses (loss of value) on those assets) that generate interest-related income, reflected in bank’s balance sheet for the reporting month divided by the number of calendar days in the reporting month divided by the monthly average value of assets, which is calculated as the sum of the daily balances of bank assets (not taking into account value adjustments and allowances for impairment losses (loss of value) on those assets) divided by the number of calendar days in the reporting month and multiplied by 100.
⁸ Return on assets (ROA) represents the profit for the year obtained during the reporting period (Net income) divided by the number of months reported (N) multiplied by 12, divided by average assets for the period (Average assets) and multiplied by 100 (ROA= ((Net income/Nx12)/Average assets)x100)). Average of assets for the reporting period is calculated by summing up the assets for each reporting month and dividing this sum by the number of months reported.
⁹ Return on equity (ROE) represents the profit for the year obtained during the reporting period (Net income) divided by the number of months reported (N) multiplied by 12, divided by average stockholder's equity for the reporting period (Stockholder's equity) and multiplied by 100 (ROE = ((Net income/Nx12)/Stockholder's equity)x100)).
¹⁰ Non-interest related expenditure / Total income represents non-interest related expenditure obtained during the reporting period divided by total income obtained during the reporting period and multiplied by 100.
¹¹ Interest-related income/Monthly average interest-bearing assets11 represents the interest-related income obtained for the reporting period (Interest-related income) divided by the number of months reported (N) multiplied by 12, divided by the average interest-bearing assets for the reporting period and multiplied by 100 ((Interest-related income/Nx12)/Average interest-bearing assets)x100). Average interest-bearing assets for the reporting period is calculated by summing up the monthly average interest-bearing assets for each reporting month and dividing this this sum by the number of months reported.
¹² Net interest margin (NIM) represents net interest-related income (interest-related income minus interest-related expenditure) obtained for the reporting period (Net interest-related income) divided by the number of months reported (N) multiplied by 12, divided by the average interest-bearing assets for the reporting period (Average interest-bearing assets) and multiplied by 100 (NIM =(Net interest-related income/Nx12)/Average interest-bearing assets)x100)).
¹³ Efficiency ratio (ER) represents: net interest-related income (Net interest-related income) plus non-interest related income (Non-interest related income) divided by non-interest related expenditure (Non-interest related expenditure). (ER=(Net interest-related income+Non-interest related income)/Non-interest related expenditure)).
14¹. The liquidity coverage ratio are calculated according to the Regulation on Liquidity Coverage requirements for banks, approved by the Decision of the Executive Board of the National Bank of Moldova no. 329/2024.
14². The Net stable funding indicator are calculated according to the Regulation on Liquidity Coverage requirements for banks, approved by the Decision of the Executive Board of the National Bank of Moldova no. 329/2024.
¹⁷ Share of balance sheet assets in foreign currency and foreign currency-linked assets in total assets represents balance sheet assets in foreign currency plus total amount of foreign currency-linked assets divided by total assets and multiplied by 100.
¹⁸ Share of balance sheet liabilities in foreign currency and foreign currency-linked liabilities in total assets represents balance sheet liabilities in foreign currency plus total amount of foreign currency-linked liabilities divided by total assets and multiplied by 100.
¹⁹ Total number of bank’s employees represents the number of persons employed under an individual employment contract as of the last day of the reporting period, except for individual employment contracts suspended by the agreement of the parties, and those suspended at the initiative of one party. The suspension of these contracts means the suspension of work provision by the employee and the payment of his right (salary, bonuses, other payments) by the employer.