These risk-based priorities are aimed at maintaining the stability of the financial system and protecting the interests of customers. Special attention will be paid to improving the security of payment systems and preventing money laundering in the context of geopolitical uncertainty.
Banks should follow prudent risk-taking policies and maintain high lending standards, preventing the growth of NPLs. Credit risk remains a top supervisory priority in the period 2026-2027 in the context of increased lending activity in 2025. At the same time, credit risks account for 82.1% of total risks (as of December 31, 2025).
During 2025, the banks’ credit portfolio increased by 29.0%, reaching 104,251.2 million lei. At the same time, the most significant growth was registered in loans for purchase/construction of real estate (40.2%) and consumer loans (30.4%).
The quality of the loan portfolio has a direct impact on banks’ solvency. Therefore, the adequacy of credit strategies, early detection of asset quality deterioration, implementation of reasonable provisioning levels, as well as management of non-performing and restructured loans will be in the focus of the regulator’s attention.
Monitoring solvency and asset adequacy against the backdrop of rising operational and geopolitical risks are also supervisory priorities. Special emphasis is placed on cybersecurity and risks associated with the use of external IT services. The NBM will check the security of payment systems and the management of risks related to information technology and outsourcing.
Supervision will focus on the efficiency of banks’ business models and their development strategies. The work on the full integration of Moldova into the European payment infrastructure and the monitoring of compliance with customer authentication rules will continue. The fight against financial crimes will not disappear from the agenda. Strengthening measures to prevent money laundering and terrorist financing remains among the permanent tasks.
