G2 - Financial Institutions and Services

One of the most important lessons among the multitude we learned after disclosing the bank frauds and the bank crisis of 2014-2016 is that the National Committee for Financial Stability (NCFS or the Committee) undoubtedly…
In the second half of 2016 the economic discussions on the public arena were mainly focused on the negotiation and subsequent signing of the Memorandum with the International Monetary Fund. As expected, after the 2014-2015…
Increasing the deposit guarantee coverage is imminent in order to maintain the confidence in the banking sector. The current deposit guarantee scheme is unable to cover the economic costs caused by the bankruptcy of a…
Considering the political and economic context our country found itself in, as well as the pressure the authorities are under regarding unblocking the financial international support, the process of drafting the Bank recovery and resolution…
Summary The monitoring process covered four major actions: (1) the Financial-Banking Package, adopted by the Parliament at 25 February 2016; (2) Project for the Roadmap on priority reforms’ Agenda, adopted at 25 February 2016; (3)…
Executive Summary The National Committee for Financial Stability, the office in charge with coordinating the institutions responsible with ensuring financial sector’s stability, currently faces serious problems of governance, caused by strong political affiliation and unclear…
Summary The banking crisis, which sent shockwaves in the Moldovan economy in 2015, can be solved by implementing a Roadmap that includes seven urgent measures, implemented both at the level of the regulatory authority and…
Summary Last year was a turning one for Moldovan baking system, when systemic weaknesses combined with large-scale fraudulent transactions have triggered an unprecedented banking crisis. As a result, the reduction of deposits attracted and the…
Evolutions of the last years at „Banca de Economii” (Savings Bank of Moldova) stresses out the poor management practices at state companies, uninspired political decisions and carelessness of the public institutions. The political decision of…
This policy brief analyzes the Law project adopted by the Government Decision no. 166 of March 16, 2012, which includes a series of amendments to the Law of the National Bank of Moldova (NBM). Our…
Currently Moldovan health system faces many problems, including persistence of informal payments, inefficiency in health spending, high share of people not covered by the mandatory health insurance, the lack of measurable indicators and values, old…
Banking performance rating was elaborated by Expert-Grup with the purpose to objectively evaluate and compare the evolution of Moldovan commercial banks. This edition reflects the banks’ activity for the 3rd quarter 2011, as compared to…
The banking system is deeply integrated into the national economy due to its double role of granting credits and aggregation of firms’ or households’ savings. As a result, its nehavior is very pro-cyclical, being one…
Banking performance rating was elaborated by Expert-Grup with the purpose to objectively evaluate and compare the evolution of Moldovan commercial banks. This edition reflects the activity of banking institutions during the 2nd quarter of 2011,…
According to the rating results, during the first quarter of 2011 the best banking performance has been registered by the CB „Moldova – Agroindbank” S.A., which was followed by CB „Victoriabank” S.A. and CB „Moldindconbank”…
The problem of limited access to banking credits has always been relevant for the Republic of Moldova, which became even more acute during the recent economic crisis. The aim of this study is to identify…

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