The bank performance rankings last yearend were headed by the banks of systemic importance for the national banking and financial systems BC Moldova-Agroindbank, BC Moldindconbank and BC Mobiasbancă. These excelled mainly in terms of profitability and market indicators and accounted for about 81% of the profit made at sector level and for 62% of the bank assets. The rankings were compiled by experts of the independent think tank “Expert-Grup”, IPN reports.
According to the rankings, the banks with the most solid capital basis in relation to assets are: BC Eximbank; BCR Chișinău and BC Energbank. The banks with the largest liquid assets are: BC Victoriabank; BC Eximbank and BC Moldindconbank. The banks with the largest liquid assets in relation to the owned assets are BC Victoriabank; BC Eximbank and BC Energbank. The banks with assets of the highest quality are: BC EuroCreditBank; BC ProCredit Bank and BC Fincombank. The banks with the highest return on capital are: Moldindconbank; BC Mobiasbancă and BC Moldova-Agroindbank, while the banks with the largest market share by the loan portfolio are: BC Moldova-Agroindbank; BC Moldindconbank and BC Mobiasbancă.
Bank liquidity continued to be much over the regulated limits and reached about 55% in the medium term, which is the liquidity of banks represented over half of the assets. The quality of assets continued to improve and the nonperforming loans represented about 12.5% of the loans, oscillating between 5% and 31%, depending on the bank.
The banks continued to make profit, but their capacity to maintain such a pace in the long run seemed to be limited as the profitability was not the result of lending activity, but rather a marginal effect of the monetary policy that can be taken inti account in the short term. For 2018, the banking sector reported a net profit of 1.6 billion lei, by about 100 million lei more than a year before.
