Major milestone reached as maibank surpasses one million users

14 Jul, 2026

Investor relations release 14 July 2026

Major milestone reached as maibank surpasses one million users

Maib announces that its market leading mobile banking application, maibank, reached 1,007 thousand users as of 30 June 2026, up from 938 thousand at year-end 2025 and 297 thousand at year-end 2020.

Primary channel of customer engagement

Maibank has become the primary channel through which maib engages its customers. The majority of the bank's customer base now interacts with maib primarily through the app rather than through branch visits, and the share of monthly active users who also engage daily reached 38.5% in 2026. The app is rated 4.8 on Google Play and 4.5 on the App Store, reflecting sustained customer satisfaction as the user base has scaled.

Digital adoption

Digital adoption has grown consistently since 2020, when maibank had 297 thousand users. Growth continued through 2021–2025 and crossed the 1 million mark in the first half of 2026. During that time maib's full product suite has moved to maibank enabling customers to use all of its services without vising the branch.

Increasing relevance

This growth has been accompanied by a sustained increase in product relevance. The bank released 24 app updates in 2025, compared with 4 in 2020, and has already delivered 19 releases in the first half of 2026. Over this period, maibank has expanded well beyond core banking functionality: customers can now complete full digital onboarding, including diaspora onboarding and passkey authentication; make cross-border transfers via SEPA and SWIFT and international remittances via all major money transfer systems; exchange currency and pay government fines and institutional fees directly in-app; and access an increasingly comprehensive set of insurance products, including a market-exclusive Credit Protection Insurance offering. Recent releases have also introduced personalization features such as event-triggered, data-driven credit offers, smart pricing, and AI-powered partner recommendations tailored to individual customer behavior.

Convenience driving product sales

Increasing convenience has translated directly into product sales. The share of retail loans and deposits originated through maibank, rather than through a branch, has risen substantially since 2020, with digital channels now accounting for the majority of new retail originations by number. The bank's digital lending journey has also been materially redesigned over the period, including the launch of maib liber digital and a broader rollout of real-time, event-triggered credit offers, both intended to shorten the path from customer interest to funded loan.

Efficiency gains

Over the same period, maib's total customer base grew by 31% (from 873 thousand in 2020 to 1,142 thousand in 2025), while the bank's branch network was reduced by 17%. Branch roles have been refocused toward consultancy and higher-value product sales, rather than routine transaction processing. As a result, the Bank became significantly more streamlined and efficient. Current priorities include further increasing product relevance and operational efficiency, including through AI-powered features.

Aliona Stratan, First Vice President in charge of retail banking at maib, said:

"Passing one million maibank users is a milestone moment for us, but what matters more is what it represents: maibank has become the way most of our customers actually experience the bank, day to day. We've worked hard to keep it that way — 80 releases since 2021, 19 in 2026 alone. Staying relevant to our customers means constantly listening to how they actually use the app. We're proud of how close that's brought us to our customers, and there's more coming: deeper personalization, faster lending decisions, and new ways to make everyday banking simpler. None of this happens without the trust our customers place in us every day, and without the work of the teams across the bank who built and keep improving this product. Thank you to both"

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.

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Evgenii Risovich
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Major milestone reached as maibank surpasses one million users – Investor Relations