Maib’s net profit reached EUR 101.8 million in 2025
Moldova’s largest commercial bank, maib – partly owned by the leading Baltic asset management group Invalda INVL – posted an unaudited net profit of 1.99 billion Moldovan lei (MDL) equivalent to EUR 101.8 million at the average exchange rate for 2025, representing a 41% increase compared with 2024.
“2025 marks the successful completion of maib’s transformation phase. By focusing on clients’ needs and consistent digitalisation, we have built a modern banking platform that enables us to effectively support the financial goals of Moldovan businesses and individuals. The growth of more than one quarter in our loan portfolio over the year confirms that maib has become a reliable and convenient partner for everyday financial solutions,” says Vytautas Plunksnis, Chairman of maib’s Supervisory Board and Head of Private Equity at INVL Asset Management.
Net interest income for 2025 amounted to MDL 3.03 billion (EUR 154.8 million), up 32.6% year-on-year, while net fee and commission income rose by 1.7% to MDL 558.9 million (EUR 28.5 million).
At the end of 2025, maib’s gross loan portfolio stood at MDL 38.6 billion (EUR 2 billion), 27.4% higher than a year earlier. Loans to corporate clients grew by around 20%, while retail loans increased by 39%.
Customer deposits totaled MDL 52.6 billion (EUR 2.7 billion), up 14.1% year-on-year, with corporate deposits rising 7.2%, SME deposits 18%, and retail deposits 15.1%.
Return on equity (ROE) increased to 22.8% in 2025 (from 18% in 2024), driven by strong loan portfolio growth, a stable net interest margin and a significant improvement in asset quality.
As of 31 December 2025, maib’s total assets amounted to MDL 68.1 billion (EUR 3.4 billion), up 14.2% year-on-year.
The bank’s capital adequacy ratio stood at 20.1%, while the liquidity coverage ratio (LCR) was 377.9%.
About maib
Maib is the largest bank in Moldova. As of 31 December 2025, it accounted for 35.7% of the country’s bank assets and 37.9% of loans. The bank serves more than a third of the people in Moldova and is one of the country’s largest employers. In 2024, for the sixth consecutive year, The Banker – a magazine published by The Financial Times – named maib the best bank in Moldova and Global Finance named maib the best sustainable bank in the country.
Since 2018, maib’s largest shareholder has been a consortium of investors consisting of the European Bank for Reconstruction and Development, Invalda INVL – the leading Baltic asset management group, and Horizon Capital – a private equity fund manager focused on emerging Europe.
About Invalda INVL Group
Invalda INVL is the leading Baltic asset management group with a track record spanning over 30 years. In all it does, the group takes an open approach, grows and develops, and creates well-being for people. The group’s companies manage or have under supervision more than EUR 2 billion of assets including investments in private equity, forests and agricultural land, renewable energy, real estate and private debt. The group’s activities also include family office services in Lithuania, Latvia and Estonia, management of pension funds in Latvia, and investments in global third-party funds.
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