Maib publishes its sustainability report for 2025 – Investor Relations

Maib publishes its 2025 Sustainability Report

Investor relations release, 29 May 2026

Maib has published its 2025 Sustainability Report, its fourth annual disclosure of ESG performance. This edition marks a shift from strategy-setting to delivery: renewable energy now powers the Bank's headquarters, green lending has crossed MDL 1.3 billion, and sustainability metrics are formally tied to executive pay for the first time.

The report is structured in accordance with GRI Standards, with expanded voluntary alignment with the European Sustainability Reporting Standards (ESRS). It covers sustainable lending, climate risk, financial inclusion, governance, people, and environmental performance, and is available for download here.

The context

Moldova's EU accession is reshaping what is expected of financial institutions. The national sustainable finance taxonomy — adopted by the Moldovan Government in April 2026 — establishes a common framework for green lending classification for the first time. For maib, preparation began in 2023. The Bank is ready to align with the national framework when it enters into force in April 2027.

What we achieved in 2025

• Reduced maib's own operations core carbon footprint by 17% year-on-year, the most significant single-year improvement since the Bank began tracking emissions, driven by the transition of Maib Park to 100% renewable electricity from April 2025 and solar installations at the Miron Costin operational centre.
• Green loan portfolio surpassed MDL 1.3 billion, a 37% increase over 2024, including the financing of one of Moldova's largest solar installations, a 50 MW photovoltaic park in Rădeni,and 19 corporate renewable energy projects across the year.
• Formally embedded three ESG KPIs into management compensation: green loan portfolio share, core own carbon footprint, and gender pay parity index, creating direct executive accountability for sustainability outcomes.
• Deployed an automated climate risk map for real-time assessment of physical and transition risks across the lending portfolio by economic sector, alongside 11 new sector-specific ESG questionnaires.
• Launched fully digital onboarding for the Moldovan diaspora in July 2025, enabling citizens in 31 European countries and the United Kingdom to open accounts and access banking services remotely, reaching a potential population of over 1.3 million Moldovans abroad.
• Employee engagement reached 90% with an eNPS of 56, placing maib in the exceptional category by international benchmarks; voluntary turnover fell to 9.4%, down from 13.1% in 2024.
• Average annual training hours per employee increased by 21% to 34 hours, supported by an investment of MDL 4.2 million in employee development.
• Ukrainian client base grew to 16,895 clients (+38.9% year-on-year), with maibank adoption among Ukrainian clients rising by 77.9% — reflecting the continued impact of the Bank's dedicated financial inclusion programme for forcibly displaced persons.
• Sustainalytics ESG Risk Rating maintained at 25.0, placing maib in the top 38% of regional banks as of February 2026.

Download maib sustainability report

Macar Stoianov, maib VP in charge of finance, said:

"I am pleased to present maib's 2025 Sustainability Report. Among the milestones this year was the reduction of own operations carbon footprint by 17% and growth of our green portfolio by 37%. We facilitated financial inclusion for Moldovans leaving abroad by introducing onboarding with international phone number and continued to provide access to banking services to Ukrainians in Moldova. Our employee engagement score has grown, while voluntary staff turnover has declined during 2025. Moldova's EU accession path is reshaping what is expected of financial institutions. The adoption of the national sustainable finance taxonomy is a milestone that we have been preparing for since 2023. We will align accordingly, and we intend to be a leader of this transition. We present this report with honesty about what remains unfinished and with a clear commitment to continuing the work."

About maib

Maib is the largest bank in Moldova, with a share of 38.2% of deposits and 37.7% of loans of the entire banking system as of Q1 2026. Maib is a disciplined lender with an NPL ratio of 0.9% (IFRS) and is well-capitalised with a CAR of 20.0% as of Q1 2026. The Bank is of systemic importance to the country, serving nearly half of the population and is one of the largest private employers in Moldova, with a workforce of over 2,500 people. Since 2018, maib's largest shareholder has been a consortium that includes the European Bank for Reconstruction and Development (EBRD), Invalda INVL, a leading asset management group in the Baltic States, and Horizon Capital, a private investment fund focused on emerging markets.