Moldindconbank’s performance is built on customer trust and continuous innovation. Through digitalization, efficiency, and sustainability, the bank strengthens its leading position and reaffirms its core principle: placing the customer at the heart of everything we do.
We are proud to present our results, showcased in the 2025 Annual Report, which reflects the consistency of our performance and the strategic direction of the bank.

Financial performance and sustainable growth

In 2025, Moldindconbank’s total assets increased by 17.8%, reaching MDL 42.61 billion, confirming the bank’s steady growth pace. The loan portfolio expanded by 31.6% to MDL 25.19 billion, while customer deposits grew by 19.5%, totaling MDL 34.23 billion.
At the same time, Moldindconbank increased its overall market share to 22.4%, consolidating its position among the largest and most efficient banks in the Republic of Moldova. Financial indicators remained strong, with a return on assets (ROA) of 3.3% and a return on equity (ROE) of 20.7%.

Leadership in key market segments

Moldindconbank maintained its leading position in the payment cards segment, holding a 39.8% share of all active cards in the country and issuing over 1.621 million cards. The bank also remained the leader in money transfer services for individuals, managing 33.7% of the total remittance volume in Moldova.
In the lending segment, Moldindconbank strengthened its position in mortgage loans, granting 2,941 housing loans during the year and achieving a 32% market share. The bank also recorded one of the highest growth rates in the small and medium-sized enterprise (SME) loan segment, with the portfolio exceeding MDL 5.3 billion.
Agriculture continued to be a key strategic area, with loans to the agricultural and food industries surpassing MDL 1.5 billion.

Digitalization and a modern banking experience

Digital transformation remained one of the bank’s top priorities in 2025. The number of electronic service users exceeded 958 k with an increasing share of services and transactions performed online.
Highlights include:

88% of deposits opened online;

90% of available loans accessed digitally;

96% of foreign currency payments by companies processed online;

97% of payments in Moldovan lei made by individuals were completed online;

98% of payments in Moldovan lei made by companies were carried out through digital channels.

In 2025, Moldindconbank launched SEPA transfers, fully online deposits, and new functionalities for the MICB Mobile Banking and MICB Business applications. At the same time, the bank continued to modernize its branch network, transforming offices into modern financial advisory and personalized service centers.

Investing in people and the community

Today, Moldindconbank serves over 1.29 million clients and operates the most extensive branch network in the country—123 units, including 71 branches and 52 agencies. The bank’s team comprises more than 1,830 employees, with ongoing investments in professional development and organizational culture remaining a key priority in 2026.
Moldindconbank made a significant contribution to Moldova’s economy and society. In 2025, the bank paid over MDL 554 million in taxes and continued to support educational, social, and sustainable development initiatives.

“In 2026, we’re accelerating transformation — powered by digital innovation, personal experiences and strengthened trust. For us, true performance goes beyond numbers. It’s about the progress we bring to communities, the impact behind every initiative, and, above all, the loyalty of our clients — the ones who inspire us to grow, every single day,” said Victor Cibotaru, Chairman of the Managing Board of Moldindconbank.

Moldindconbank – mereu alături!