Bank Performance Ranking: Comments on the Situation at the End of December 2017
Automatically translated summary. The full text is available in Romanian.
Independent Think Tank “Expert-Grup” comments on its Bank Performance Ranking for the end of December 2017 in Moldova. The year-end saw banks strengthen provisions as loan portfolios were re-evaluated, reducing profit, while capital and liquidity indicators remain solid across the banking sector.
In December 2017, accumulated profit for the first 11 months fell by about MDL 170 million, leaving total profit for the year at MDL 1.48 billion. Only BC Eximbank recorded a loss, though its capital and its new shareholders’ financial capacity keep it resilient. Risk-weighted capital adequacy stays above 30% sector-wide (about 25% for large banks, over 50% for small ones), and liquid assets approach 56% of total assets.
Banking intermediation remains modest: the loan stock is MDL 33.5 billion, only 42% of bank assets. Consumer loans to individuals and loans to trade are the most dynamic segments. The top is still led by four systemically important banks: MAIB, Mobiasbanca, Moldindconbank (MICB) and Victoriabank, while ProCreditBank, Energbank and EuroCreditBank remain stable.
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