Bank Performance Ranking, November 2018
Automatically translated summary. The full text is available in Romanian.
At the end of November 2018, the main financial and prudential indicators of Moldova's banks remain at an adequate level, ensuring stability in the sector. The latest bank performance ranking is led by Moldova-Agroindbank, MobiasBanca and Moldindconbank, the systemically important banks that dominate profitability and market indicators.
Sector solvency stands at about 27%, ranging from 19% to 66% across banks. Short-term liquidity is around 55%, well above regulatory limits. The non-performing loan ratio is about 13.4%, varying between 5% and 33%. Profitability is not the result of lending expansion but a marginal effect of monetary policy, so its long-term sustainability appears limited.
After three years of weak performance, bank intermediation shows first signs of growth. Falling interest rates, the “Prima casă” state programme and consumer credit are lifting demand, and for the first time since the 2014/2015 banking crisis new lending outpaces repayments. The loan stock reached MDL 35.4 billion. The three leading banks account for about 82% of sector profit and 61% of assets. Eximbank, Victoriabank, ProCredit Bank, Moldindconbank and Moldova-Agroindbank top individual categories.
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