Investor Relations Release, 6 October 2025

Maib announces the launch of cross-border Euro payments in Moldova on 6 October 2025, a landmark moment that brings the country fully into the Single Euro Payments Area (SEPA). Its retail and corporate customers are now able to send and receive SEPA payments seamlessly through maib’s digital channels. This service adds significant convenience to customers, while enabling maib to increase financial intermediation and capitalize on increased flow of funds.

Capturing remittance flows and unlocking new revenue streams

Moldova is one of Europe’s most remittance-dependent economies, with cross-border transfers representing 10.4% of GDP in Q1 2025. Historically, a large portion of these flows bypassed the formal banking sector. SEPA creates a turning point: by channeling larger volume of euro remittances through the banking system, maib expects to create new touch points with customers, which brings an opportunity to offer more of its services, such as deposits, loans, insurance and other payment products.

Cheaper, faster and more accessible business opportunities

Compared to the traditional SWIFT transfers, the cost for SEPA transfers will be reduced significantly, while settlement across 41 European countries will take place within 1 business day. This makes euro transactions not only more attractive for households, but also for SMEs and corporates seeking to expand trade with European partners. This alignment with European payment infrastructure also positions maib more closely with EU banking standards and customer expectations.

About maib

Maib is the largest bank in Moldova, with a share of 36.3% of deposits and 38% of loans of the entire banking system as of the end of Q2 2025. Maib is a disciplined lender with an NPL ratio of 1.1% and is well-capitalised with a CAR of 19.7% as of 30 June 2025. 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. The Bank is committed to returning capital to shareholders, having paid out 45% of its 2024 profits in dividends (totalling nearly EUR 32 million). 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.

Recent investor relations releases

• Modern stock exchange platform to be established in Moldova by Bucharest Stock Exchange with maib among the co-founders
• Strong loan growth and efficiency gains help maib ROE exceed 20% in Q2 2025
• Maib provides access to Moldovan banking to citizens living abroad

Upcoming investor events

• 6 November - 3Q and 9M 2025 Financial Results (TBC)

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.