{"id":57489,"date":"2025-06-27T13:11:40","date_gmt":"2025-06-27T13:11:40","guid":{"rendered":"https:\/\/micb.md\/?page_id=57489"},"modified":"2026-01-02T13:28:41","modified_gmt":"2026-01-02T13:28:41","slug":"valoarea-indicelui-de-referinta","status":"publish","type":"page","link":"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/","title":{"rendered":"The reference index value"},"content":{"rendered":"\n\t\t\t<section class='hero-services'>\n\t\t\t\t\t\t\t<div class=\"wrap\">\n\t\t\t\t\t<div class=\"breadcrumbs\"><span><span><a href=\"https:\/\/micb.md\/en\/\">Home<\/a><\/span><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"wrap2\">\n\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"3427\" height=\"1338\" src=\"https:\/\/micb.md\/wp-content\/uploads\/2025\/07\/valoarea-indicelui-de-referinta_1-1.png\" class=\"desk-img\" alt=\"\" srcset=\"https:\/\/micb.md\/wp-content\/uploads\/2025\/07\/valoarea-indicelui-de-referinta_1-1.png 3427w, https:\/\/micb.md\/wp-content\/uploads\/2025\/07\/valoarea-indicelui-de-referinta_1-1-300x117.png 300w, https:\/\/micb.md\/wp-content\/uploads\/2025\/07\/valoarea-indicelui-de-referinta_1-1-1024x400.png 1024w\" sizes=\"auto, (max-width: 3427px) 100vw, 3427px\" \/>\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h1 style=\"color: #fff;\">\n\t\t\t\t\t\t\t\tThe reference<\/br> index value\t\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\n\n<style>\n    :root {\n        --padding_desktop_top_btt:px;\n        --padding_desktop_bottom_btt:px;\n        --padding_mobile_top_btt:px;\n        --padding_mobile_bottom_btt:px;\n    }\n\n    .add_settings_btt {\n                    }\n\n    @media(max-width: 767px) {\n        .add_settings_btt {\n                                }\n    }\n<\/style>\n            <section class='tabs-with-table add_settings_btt'>\n            <div class=\"wrap\">\n                <div class=\"tabs\">\n                    <ul class=\"nav-tabs\">\n                                                    <li class=\"nav-item active\" data-pachetOptions=\"1\">\n                                Benchmark rate in MDL                            <\/li>\n                                                    <li class=\"nav-item \" data-pachetOptions=\"2\">\n                                Benchmark rate in currency                            <\/li>\n                                                    <li class=\"nav-item \" data-pachetOptions=\"3\">\n                                History                            <\/li>\n                                            <\/ul>\n                                            <div class=\"tab-content active\" data-pachetOptions=\"1\">\n                                                                                                                            <div class=\"table-box\">\n                                        <div class=\"table\">\n                                            <div class=\"thead left\">\n                                                <div class=\"tr\">\n                                                                                                                                                                                    <div class=\"td\">\n                                                                    Period of application by the Bank                                                                <\/div>\n                                                                                                                                                                                        <div class=\"td\">\n                                                                    Rate-setting reference month                                                                <\/div>\n                                                                                                                                                                                                                                                                                            <\/div>\n                                            <\/div>\n                                            <div class=\"tbody left\">\n\n                                                                                                    <div class=\"tr\">\n                                                                                                                    <div class=\"td\">\n                                                                From January 1 to June 30                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                Benchmark rate for November of the previous year                                                            <\/div>\n                                                                                                                                                                                                                            <\/div>\n                                                                                                    <div class=\"tr\">\n                                                                                                                    <div class=\"td\">\n                                                                From July 01 to December 31                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                Benchmark rate for May of the current year                                                            <\/div>\n                                                                                                                                                                                                                            <\/div>\n                                                \n                                            <\/div>\n                                                                                    <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"table-box\">\n                                        <div class=\"table\">\n                                            <div class=\"thead default\">\n                                                <div class=\"tr\">\n                                                                                                                                                                                    <div class=\"td\">\n                                                                    Period                                                                <\/div>\n                                                                                                                                                                                        <div class=\"td\">\n                                                                    Applied reference index                                                                <\/div>\n                                                                                                                                                                                                                                                                                            <\/div>\n                                            <\/div>\n                                            <div class=\"tbody default\">\n\n                                                                                                    <div class=\"tr\">\n                                                                                                                    <div class=\"td\">\n                                                                January 01, 2026 \u2013  June 30, 2026                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                5,57%                                                            <\/div>\n                                                                                                                                                                                                                            <\/div>\n                                                \n                                            <\/div>\n                                                                                    <\/div>\n                                    <\/div>\n                                                                                                   \n                                                                                <\/div>\n                                            <div class=\"tab-content \" data-pachetOptions=\"2\">\n                                                                                                                            <div class=\"table-box\">\n                                        <div class=\"table\">\n                                            <div class=\"thead left\">\n                                                <div class=\"tr\">\n                                                                                                                                                                                    <div class=\"td\">\n                                                                    Period of application by the Bank                                                                <\/div>\n                                                                                                                                                                                        <div class=\"td\">\n                                                                    Rate-setting reference date                                                                <\/div>\n                                                                                                                                                                                                                                                                                            <\/div>\n                                            <\/div>\n                                            <div class=\"tbody left\">\n\n                                                                                                    <div class=\"tr\">\n                                                                                                                    <div class=\"td\">\n                                                                From January 01 to June 30                                                             <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                First working day of December of the previous year                                                            <\/div>\n                                                                                                                                                                                                                            <\/div>\n                                                                                                    <div class=\"tr\">\n                                                                                                                    <div class=\"td\">\n                                                                From July 01 to December 31                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                First working day of June of the current year                                                            <\/div>\n                                                                                                                                                                                                                            <\/div>\n                                                \n                                            <\/div>\n                                                                                    <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"table-box\">\n                                        <div class=\"table\">\n                                            <div class=\"thead default\">\n                                                <div class=\"tr\">\n                                                                                                                                                                                    <div class=\"td\">\n                                                                    Period                                                                <\/div>\n                                                                                                                                                                                        <div class=\"td\">\n                                                                    Currency                                                                <\/div>\n                                                                                                                                                                                        <div class=\"td\">\n                                                                    Rate (%)                                                                <\/div>\n                                                                                                                                                                                                                                <\/div>\n                                            <\/div>\n                                            <div class=\"tbody default\">\n\n                                                                                                    <div class=\"tr\">\n                                                                                                                    <div class=\"td\">\n                                                                January 01, 2026 \u2013  June 30, 2026                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                USD (SOFR 6M)                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                4,29%                                                            <\/div>\n                                                                                                                                                                    <\/div>\n                                                                                                    <div class=\"tr\">\n                                                                                                                    <div class=\"td\">\n                                                                January 01, 2026 \u2013  June 30, 2026                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                EUR (EURIBOR 6M)                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                2,12%                                                            <\/div>\n                                                                                                                                                                    <\/div>\n                                                \n                                            <\/div>\n                                                                                    <\/div>\n                                    <\/div>\n                                                                                                   \n                                                                                <\/div>\n                                            <div class=\"tab-content \" data-pachetOptions=\"3\">\n                                                                                                                            <div class=\"table-box\">\n                                        <div class=\"table\">\n                                            <div class=\"thead default\">\n                                                <div class=\"tr\">\n                                                                                                                                                                                    <div class=\"td\">\n                                                                    Period                                                                 <\/div>\n                                                                                                                                                                                        <div class=\"td\">\n                                                                    MDL                                                                <\/div>\n                                                                                                                                                                                        <div class=\"td\">\n                                                                    USD (SOFR 6M)                                                                <\/div>\n                                                                                                                                                                                        <div class=\"td\">\n                                                                    EUR (EURIBOR 6M)                                                                 <\/div>\n                                                                                                                                                                    <\/div>\n                                            <\/div>\n                                            <div class=\"tbody default\">\n\n                                                                                                    <div class=\"tr\">\n                                                                                                                    <div class=\"td\">\n                                                                01.07.2025 \u2013 31.12.2025                                                            <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                5,82%                                                             <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                4,40%                                                             <\/div>\n                                                                                                                                                                            <div class=\"td\">\n                                                                2,06%                                                            <\/div>\n                                                                                                            <\/div>\n                                                \n                                            <\/div>\n                                                                                    <\/div>\n                                    <\/div>\n                                                                                                   \n                                                                                <\/div>\n                                    <\/div>\n            <\/div>\n        <\/section>\n    ","protected":false},"excerpt":{"rendered":"","protected":false},"author":29,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-57489","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The reference index value - MICB<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The reference index value - MICB\" \/>\n<meta property=\"og:url\" content=\"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/\" \/>\n<meta property=\"og:site_name\" content=\"MICB\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-02T13:28:41+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/\",\"url\":\"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/\",\"name\":\"The reference index value - MICB\",\"isPartOf\":{\"@id\":\"https:\/\/micb.md\/en\/#website\"},\"datePublished\":\"2025-06-27T13:11:40+00:00\",\"dateModified\":\"2026-01-02T13:28:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/micb.md\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The reference index value\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/micb.md\/en\/#website\",\"url\":\"https:\/\/micb.md\/en\/\",\"name\":\"MICB\",\"description\":\"Moldinconbank\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/micb.md\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The reference index value - MICB","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/","og_locale":"en_US","og_type":"article","og_title":"The reference index value - MICB","og_url":"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/","og_site_name":"MICB","article_modified_time":"2026-01-02T13:28:41+00:00","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/","url":"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/","name":"The reference index value - MICB","isPartOf":{"@id":"https:\/\/micb.md\/en\/#website"},"datePublished":"2025-06-27T13:11:40+00:00","dateModified":"2026-01-02T13:28:41+00:00","breadcrumb":{"@id":"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/micb.md\/en\/valoarea-indicelui-de-referinta\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/micb.md\/en\/"},{"@type":"ListItem","position":2,"name":"The reference index value"}]},{"@type":"WebSite","@id":"https:\/\/micb.md\/en\/#website","url":"https:\/\/micb.md\/en\/","name":"MICB","description":"Moldinconbank","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/micb.md\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"acf":[],"_links":{"self":[{"href":"https:\/\/micb.md\/en\/wp-json\/wp\/v2\/pages\/57489","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/micb.md\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/micb.md\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/micb.md\/en\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/micb.md\/en\/wp-json\/wp\/v2\/comments?post=57489"}],"version-history":[{"count":11,"href":"https:\/\/micb.md\/en\/wp-json\/wp\/v2\/pages\/57489\/revisions"}],"predecessor-version":[{"id":65415,"href":"https:\/\/micb.md\/en\/wp-json\/wp\/v2\/pages\/57489\/revisions\/65415"}],"wp:attachment":[{"href":"https:\/\/micb.md\/en\/wp-json\/wp\/v2\/media?parent=57489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}