Bank Performance Ranking, January 2019
Automatically translated summary. The full text is available in Romanian.
The Bank Performance Ranking for January 2019 shows a stable Moldovan banking sector. Key financial and prudential indicators are within, or even above, the limits set by the central bank. Moldova-Agroindbank, Moldindconbank and MobiasBanca top the ranking at the end of the month.
All banks reported a profit in January, totalling MDL 215.5 million. Solvency ranges from 20% to 62% across banks, short-term liquidity is about 54%, and the non-performing loan ratio is around 12.15%, ranging from 4.4% to 31%.
Lower interest rates and rising demand from individuals are boosting lending for property and consumption. Corporate lending is accelerating but not enough to offset repayments, so total loans stand at MDL 35.3 billion, down about 0.5% (MDL 176 million) on the previous month. Loans in national currency account for 62%, and those in EUR for about 26%. The three top banks hold about 67% of sector profit and 62% of bank assets. The ranking also names leaders in capital strength, liquidity, asset quality, return on capital and loan market share.
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