Bank Performance Ranking, May 2018
Automatically translated summary. The full text is available in Romanian.
At the end of May 2018, the main financial and prudential indicators of Moldova's commercial banks remained high, both in aggregate and for most individual banks. The Independent Think Tank “Expert-Grup” presents its bank performance ranking, which is led by three systemically important banks.
Risk-weighted capital adequacy stays above 30% across the sector, and liquidity is far above regulatory limits, creating growing opportunity costs. Banks accumulated about MDL 734.5 million in profit in the first five months of 2018, reduced by a loss of MDL 113 million at BC Eximbank, linked to asset restructuring and its takeover by new shareholders.
Lending is picking up slightly, but repayments outpace new loans. The total loan stock reached MDL 32.7 billion, about MDL 200 million more than in April, with mortgage loans to individuals up by roughly MDL 118 million, the first results of the “Prima casă” programme. Non-performing loans account for 15.2%. MAIB, Mobiasbanca and Moldindconbank top the ranking, while ProCreditBank and BCR Chișinău advance. The article also names leaders in capital, liquidity, asset quality, return on capital and market share.
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