According to the World Bank experts, the profitability of the banking sector improved significantly in 2025: net profit increased by almost 18%, which was facilitated by a steady expansion of lending, mainly in real estate acquisition and renovation, as well as commercial lending. This was supported by a recovery in investment activity.
The banking sector remained well capitalized and highly liquid. According to data reported by banks, the sector posted aggregate growth in assets, equity, loans and retail deposits. In the first half of 2025, return on assets (RoA) stood at 2.3% and return on equity (RoE) at 14.3%.
Performance was also impacted by improved asset quality. The share of problem loans decreased to 4.5% in the second quarter of 2025, despite a slight increase compared to the first quarter, the WB experts note.
There are 10 licensed banks operating in Moldova after the completion of the reorganization process through merger by absorption by commercial bank “VICTORIABANK” S.A. CB Banca Comercială Română Chișinău S.A. (BCR Chișinău S.A.). As a result of this merger, the license of BCR Chișinău S.A. was revoked in the summer in accordance with the decision of the Executive Committee of the NBM.
