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Maib Q3 2025 profit up sharply on loan growth, NIM expansion and FX gains

06 Nov, 2025

Investor relations release - 6 November 2025

Profits up sharply in Q3 2025 on loan growth, NIM expansion and FX gains*

 

  • Maib’s net profit up 37% YoY in Q3 2025 reaching MDL 547.7 million (EUR 27.9);
  • Loan book grew 32%, with mortgage and consumer loans growing the strongest; 
  • ROE reached 25.7% in Q3 2025 up 5.1 pp YoY;
  • Number of maibank users 896 thousand, up by 24% YoY; 78.5% consumer loans granted online;
  • Macar Stoianov designated CEO successor subject to approval of NBM;
  • September Parliamentary elections yield outright majority for pro-European incumbent party: EU accession negotiations top priority;
  • S&P issues upbeat sovereign rating for Moldova, IMF and WB upgrade short term forecasts.

 

*All figures herein refer to maib group unless noted otherwise

 

Giorgi Shagidze, CEO of maib, commented:

“I am happy to report an exceptionally strong performance during the quarter for maib with profits up 37% year-on-year, ROE exceeding 25% and cost to income down to 43%. We have seen robust growth in loan book of 32% YoY, increase in NIM to 5.3% and simultaneous fall in NPLs to 1.0% (IFRS). I am also pleased with NBM approval of appointments of Alex Sonic to management board, Andreea Pipernea and Madeline Alexander to Supervisory Board. Furthermore, maib’s board designated Macar Stoianov as successor to CEO, subject to approval by NBM, an important step in securing a sustainable future for the Bank” 

 

Maib Q3 2025 performance highlights

  • Net profit: MDL 547.7 million (EUR 27.9 million) in Q3, up 37.2% YoY / 28.5% QoQ, bringing 9mo 2025 net profit to MDL 1,375.8 million (EUR 70.4 million), up 25.6% YoY;
  • ROE: 25.7% in Q3 (21.8% for 9mo), up 5.1 pp YoY;
  • Cost-to-income ratio in Q3: 43.3%, improved by 2.3 pp YoY;
  • Gross loans: MDL 36.6 billion (EUR 1.9 billion), +32.3% YoY / +4.5% QoQ;
  • Retail loans +47.2% YoY; incl. mortgages +60.0% YoY;
  • SME loans +23.1% YoY;
  • Corporate loans +22.7% YoY;
  • Deposits: MDL 48.7 billion, +9.6% YoY;
  • NPL ratio (IFRS): 1.0%, down 0.8 pp YoY;
  • Maibank users: 896 thousand, +24% YoY;
  • 82% of retail deposits and 78.5% of retail loans originated online in 3Q 2025.

 

Moldova – country update

  • Parliamentary elections secure 55 seat outright majority out of 101 seats for pro-European PAS;
  • New government led by Alexandru Munteanu approved by Parliament;
  • S&P issues BB-/B sovereign rating for Moldova in line with Armenia, North Macedonia;  
  • GDP up by 1.1% YoY in Q2 2025, with upgrades to 2025 forecasts coming from IMF and World Bank.
  • Inflation fell to 6.9% in September 2025, just above the NBM’s target corridor of 3.5–6.5%.
  • The NBM lowered its base rate to 6.0% as inflation is seen returning to target corridor by year end.
  • Group of shareholders, led by Bucharest Stock Exchange and including maib signed an agreement to create a new modern securities exchange in Moldova.

 

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 3Q and 9mo 2025 results on Friday, 7 November at 15:30, Chisinau time via zoom. 

To access the call please use the  following link 

Simultaneous translation in Romanian 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 T3 și 9 luni 2025 pe 7 noiembrie, la ora 15:30, prin zoom.

Pentru a accesa apelul vă rugăm sa accesați următorul link 

Traducerea simultană în română 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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Recent investor relations releases

Upcoming investor events

  • 7 November - 3Q and 9mo 2025 results call
  • 2 December - WOOD Winter Wonderland (Prague)

 

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.