Behind every financial result are people, fulfilled plans, and growing businesses. For Moldindconbank, the year 2025 represented strong and balanced growth during a period with special significance: in 2026, the bank will celebrate 35 years of activity on the market of the Republic of Moldova.
At the end of last year, the bank’s total assets reached MDL 42.6 billion, by MDL 6.4 billion more than at the beginning of the year, representing an increase of 17.8%. The bank’s capital rose to MDL 7 billion, up 17.3%, strengthening the financial foundation that supports long-term development

This progress is also reflected in the bank’s financial performance. Moldindconbank achieved a net profit of MDL 1.35 billion, with a return on assets (ROA) of 3.3% and a return on equity (ROE) of 20.7%, while maintaining a healthy level of operational efficiency, with a cost-to-income ratio (CIR) of 45.4%.

Customer trust is also evident in the savings kept at the bank. The volume of deposits reached MDL 34.2 billion, by MDL 5.6 billion more than at the beginning of the year—a growth of 19.5%. More and more individuals and business choose Moldindconbank for safety and stability.

Lending also had a very active year. The total loan portfolio increased to MDL 25.2 billion, up by MDL 6.1 billion in a single year — a growth of 31.6%. Loans granted to businesses reached MDL 10.8 billion (+25%), while those to individuals rose to MDL 14.4 billion, up by 37.1%. In particular, mortgage loans climbed to MDL 8.3 billion, showing an impressive increase of 41.2%, and consumer loans reached MDL 5.9 billion (+32.5%), confirming that the bank has been supporting families in achieving their goals.

The bank remains the leader in the field of money transfers, with a market share of 33.7%, and continues to invest in digitalization. The number of users of electronic services exceeded 958,000 people, showing how important digital banking has become in customers’ everyday lives.

“The results of 2025 show that when you put people at the center of decisions, performance comes naturally. We have grown together with our customers, and the trust we receive every day gives us the energy to continue with the same dedication. Every family that buys a home, every entrepreneur who grows their business, and every customer who keeps their savings with us remind us how important a bank’s role is in people’s lives. We look to the future with the sincere desire to provide financial solutions that are simple, safe, and close to people,” Alexander Picker, Chairman of the Management Board of Moldindconbank said.

For 35 years, Moldindconbank has remained a people’s bank — stable, modern, and attentive to the real needs of its customers. Looking to the future, the bank aims to continue being a trusted partner, turning plans into reality and financial services into experiences that are simple, safe, and accessible.

Moldindconbank – mereu alături!