Strong loan growth and efficiency gains help maib ROE exceed 20% in Q2 2025

19 Aug, 2025

Maib Q2 2025 ROE surpasses 20% on strong loan growth and efficiency gains

Maib’s net profit reached MDL 426.3 million in 2Q 2025 (EUR 21.8 million), up 23.0% YoY;
ROE stood at 20.5%, up 2.7 pp YoY;
Net interest margin rose to 5.0% and loan book growth rose 33% YoY, supporting the 34% YoY growth in net interest income;
Number of maibank users surpassed 847 thousand, up by 25% YoY;
Maib’s shareholders voted in favour of a dividend of MDL 6.24 per share, totalling MDL 628 million.
Euromoney named maib Best Corporate Bank in Moldova; Global Finance recognized maib as regional leader in financial innovation in CEE;
Moldova’s economy contracted by 1.2% in Q1 2025; inflation stood at 8.2% in June; the NBM maintained tight monetary policy through Q2 before easing in August.

Giorgi Shagidze, CEO of maib, commented:

“Maib delivered another strong quarter with ROE surpassing 20% and profitability supported by both higher net interest income and foreign exchange gains. Our loan book continues to expand across all segments while maintaining solid asset quality. The scale of our digital ecosystem is evident, with nearly 850 thousand maibank users. Recognition from Euromoney and Global Finance, including a regional award for innovation, underlines our leadership both in Moldova and the wider region. As Moldova navigates a challenging macroeconomic environment, we remain committed to supporting households, businesses, and the country’s long-term growth trajectory.”

Maib Q2 2025 performance highlights

Net profit for Q2 MDL 426.3 million (EUR 21.8 million), up 23.0% YoY / 6.1% QoQ;
Net profit: MDL 426.3 million (EUR 21.8 million) in Q2, up 23.0% YoY / 6.1% QoQ, bringing H1 2025 net profit to MDL 828.1 million (EUR 42.5 million), up 19.0% YoY;
ROE: 20.5% in Q2 (20.4% for H1), up 2.7 pp YoY;
NIM: 5.0% in both Q2 and H1, up 0.9 and 0.7 pp YoY respectively;
Cost-to-income ratio: 46.6%, improved by 4.3 pp YoY;
Gross loans: MDL 35.0 billion (EUR 1.8 billion), +33.1% YoY / +7.5% QoQ;
- Retail loans +50% YoY; mortgages +62.5% YoY;
- SME loans +23.9% YoY;
- Corporate loans +23.0% YoY;
Deposits: MDL 48.4 billion (EUR 2.5 billion), +11.1% YoY;
NPL ratio: 1.1%, down 0.8 pp YoY;
Maibank users: 847 thousand, +25% YoY;
82% of retail deposits and 78% of retail loans originated online in 2Q 2025.
At the 2025 Annual General Meeting, maib confirmed the distribution of dividends set at MDL 6.24 per share, resulting in a total allocation of MDL 628 million.

Moldova – economic update

GDP fell by 1.2% YoY in Q1 2025, with manufacturing and agriculture underperforming, partly offset by strong household consumption (+5.2%) and IT/construction growth.
Inflation reached 8.2% in June 2025, above the NBM’s target corridor of 3.5–6.5%.
The NBM maintained its base rate at 6.5% through Q2, before cutting to 6.25% in August citing disinflationary trends.
The EU disbursed the first tranche of its EUR 1.9 billion Reform and Growth Plan, alongside additional funds from the EC and Canada.
On 4 July 2025, Moldova hosted the first EU–Moldova summit, reaffirming its path towards EU membership.
Capital market reforms accelerated, with adoption of the National Capital Market Development Strategy (2025–2030), including plans for a new Chișinău Stock Exchange.

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

Permanent Download Links:

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Conference Call

Maib will hold conference call covering 2Q and 1H 2025 results on Tuesday, 19 August at 16:00, Chisinau time via zoom.

To access the call please use the following link using the access code jeiM5Z.

Simultaneous translation in Romanian and Russian will be available to the participants.

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

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Teleconferința

Maib va organiza o conferință telefonică care acoperă rezultatele T2 și S1 2025 pe 19 august, la ora 16:00, prin zoom.

Pentru a accesa apelul vă rugăm sa accesați următorul link folosind codul de acces jeiM5Z.

Traducerea simultană în română și rusă va fi disponibilă pentru participanți. Vă rugăm să adresați întrebările dvs. prin chat sau prin e-mail la evgenii.risovich@maib.md.

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Конференц-звонок

Во вторник, 19 августа, в 16:00 по кишиневскому времени maib проведет конференц-звонок, посвященный результатам 2 квартала и 6 месяцев 2025 года.

Чтобы получить доступ к звонку пожалуйста используйте следующую ссылку используя код jeiM5Z.

Участникам будет доступен синхронный перевод на румынский и русский языки.

Пожалуйста направляйте свои вопросы в чат во время звонка или по электронной почте evgenii.risovich@maib.md.

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Recent investor relations releases

Upcoming investor events

19 August - 2Q and 1H 2025 Financial Results
3 October (TBC)- Maib Investor Day

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