FY 2025: maib delivers resilient performance with continued investment in technology and regional development amid leadership transition

24 Feb, 2026

Investor relations release - 24 February 2026

FY 2025: maib delivers resilient performance with continued investment in technology and regional development amid leadership transition

Solid financial performance: maib generated MDL 1.99 billion (EUR 100+ million) in net profit in FY 2025, reflecting balanced loan growth, stable margins and disciplined cost control.
Return on equity reached 22.8% in 2025 (2024: 18.0%), supported by portfolio expansion and improved asset quality.
Maib continued to support the local economy with gross loan portfolio increasing to MDL 6 billion (EUR 2.0 billion), up 27.4% year-on-year, reflecting sustained financing across corporate, SME and retail segments. Milestone projects included largest solar park in the country with 50 MW capacity.
NPL ratio (IFRS) declined to 0.8% from 1.7% in 2024, driven by prudent risk management and optimization of portfolio mix.
Cost-to-income ratio decreased to 44.2% (from 52.3%), as revenue growth outpaced expense growth while the bank continued to invest in strategic initiatives.
Net profit in 4Q 2025 reached MDL 618 million, reflecting continued lending activity and stable credit performance.
Leadership transition: Following the completion of Giorgi Shagidze’s five-year mandate, Macar Stoianov, current bank’s CFO, has been designated as successor to CEO, subject to approval by the National Bank of Moldova, ensuring continuity of strategy and governance.
During 2025, maib continued to accelerate digital transformation, including the rollout of AI-driven solutions and core process automation aimed at enhancing efficiency, risk management and customer experience.
The newly established stock exchange led by the Bucharest Stock Exchange (BVB), with maib among the founding investors, as well as investment in the greenfield consumer lending business in Romania.
Post year-end capital strengthening: Subsequent to year-end, maib signed a 10-year EUR 20 million subordinated loan agreement with European Fund for Southeast Europe (EFSE), reinforcing its capital base and supporting sustainable growth.

*All figures herein refer to maib group unless noted otherwise

Macar Stoianov, current CFO of maib, CEO-designate subject to approval by the National Bank of Moldova, commented:

“Good financial results show the strength of our business model and the exceptional dedication of our team. I would like to sincerely thank all colleagues for their professionalism and commitment, which enabled us to deliver strong growth, improved asset quality and industry-leading returns. We are also accelerating technological transformation, including the integration of AI-driven solutions across key processes to enhance efficiency and customer experience. I would like to express my gratitude to Giorgi Shagidze for his outstanding leadership over the past five years and for the strong foundation he leaves behind.”

Detailed financial results (report and presentation) can be found in the Results Center section of Investor Relations website LINK

Permanent Download Links:

English

Romanian

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Conference Call

Maib will hold conference call covering 4Q and FY 2025 results on Tuesday, 24 February at 16:00, Chisinau time via zoom.

To access the call please use the following link

Please submit your questions via chat or via email at evgenii.risovich@maib.md

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Recent investor relations releases

Upcoming events

24 February - 4Q and FY 2025 results call
7 April (TBC) - 2025 Annual report

Contact investor relations

Maib Investor Relations
Evgenii Risovich
Phone: +37368403477
E-mail: Evgenii.Risovich@maib.md

For further enquiries, please contact: IR@maib.md or by phone at +373 68 403 477 or visit our website ir.maib.md.