In the national currency segment, in the first quarter of 2025, the weighted average interest rates on newly issued loans and term deposits reversed their downward trend under the influence of monetary policy measures. Thus, the weighted average rate on loans amounted to 8.47% and on deposits to 4.14%, 0.21 and 0.98 p.p. higher than in the fourth quarter of 2024.
The evolution of the bank loans market in April 2025 continued its downward trend in terms of lending volumes and their appreciation.
In April 2025, the volume of new loans issued amounted to MDL 6,781.7 million, 8.1% less than in March. Most of them (73.7%) were represented by credits in national currency, which amounted to 4,996.3 million lei, by 9% less than in the previous month.
In terms of terms of issuance, the most demanded were loans with the term from 2 to 5 years, their share in the total volume of issued loans amounted to 58,5%. The volume of these loans granted to legal entities amounted to 40% of the total volume of loans.
The average nominal rate on newly issued loans in national currency increased by 0.40 p.p. compared to the previous month and amounted to 9%. And the average rate on loans in foreign currency decreased by 0.12 p.p., amounting to 5.5%.
In April 2025, individuals took loans worth 2,251.1 million lei, down 2.6 percentage points from the previous month. Most of them (59.4%) were issued for consumer purposes. The main part of consumer loans granted to individuals (1,188.0 million lei) was granted in national currency for terms from 2 to 5 years.
