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1b1c109233352f0156272d10a162434e125f11
718191a262728292a35363738393a43444546
4748

Analiza
pieei
bancare
din
Moldova
n anul
2008

Chiinu, Martie
2009
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000000000000000000000000000000000000000000
0000000

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000001f000000014626b707400000204000000147258595a000002180
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31393938204865776c6574742d5061636b61726420436f6d70616e790
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d322e310000000000000000000000000000000000000000000000000
00000
CUPRINS
n

loc

de

introducere.............................................................................
....................................3

Caracteristica

pieii

bancare

anul

2008..............................................................................4

TOP-urile

bncilor

comerciale

anul

2008.........................................................................13
1.
TOP
Bnci
Dinamica
de
cretere
activelor..................................................................................13

2.
TOP
Bnci
Dinamica
de
cretere
depozitelor.............................................................................15

3. TOP Bnci - Dinamica de cretere a


credite.........................................................17

portofoliului

de

4.
TOP
Bnci
Dinamica
de
cretere
a
net...........................................................................19

venitului

5.
TOP
Bnci
Dinamica
creditelor
de
acordate...................................................................21

consum

6. TOP Bnci - Valoarea creditelor imobiliare


acordate...................................................23

ipotecare

7.
TOP
Bnci
Dinamica
de
extindere
reelei....................................................................................26

8.
TOP
Bnci
Numrul
de
bancomate
instalate.................................................................................27

9.
TOP-urile
bncilor
Indicatori
de
eficien.......................................................................................29

9.1.
activelor

9.2.
veniturilor

TOP
Bnci
-Rentabilitatea
....................................................................................................
29

TOP
Bnci
-Rentabilitatea
.................................................................................................. 30

9.3.
activelor

TOP
Bnci
-Viteza
de
rotaie
.............................................................................................

a
31

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0000000000000000000000000000000000000000000000000000000000000000011
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02c400000088767565640000034c0000008676696577000003d4000000246c756d69
000003f8000000146d6561730000040c0000002474656368000004300000000c7254
52430000043c0000080c675452430000043c0000080c625452430000043c0000080c
7465787400000000436f70797269676874202863292031393938204865776c657474
2d5061636b61726420436f6d70616e79000064657363000000000000001273524742
2049454336313936362d322e3100000000000000000000001273524742204945433
6313936362d322e3100000000000000000000000000000000000000000000000000
0000

ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
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000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
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6d6e640000025400000070646d6464000002c4000000887675656400
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00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
Caracteristica cea mai pregnant a anului financiar 2008 pe plan
internaional este agravarea consecinelor unei expuneri exagerate a
pieelor financiare pe piaa produselor subprime1. Un aspect al
precipitrii financiare din 2008 este dezechilibrul etic al ingineriei
financiare practicate n birourile din marile centre financiare ale lumii.
Comparat deseori cu dificultile financiare din anii 1929-1933, anul

2008 a adus cu sine i primele tentative de resuscitare sistemic.


Acestea, n general, s-au aflat la latitudinea guvernelor i a bncilor
centrale. Criza, s-a dovedit extrem de contagioas pentru statele cu
piee financiare dezvoltate, interconectate la marele reele financiare
mondiale. n acelai timp, aceasta s-a dovedit mai puin sever pentru
statele n care este practicat o doz suficient de autarhie financiar
i care au o expunere limitat la piaa financair internaional2.
Prin aciuni concertate sau pe cont propriu, autoritile financiare
centrale au recurs la aciuni de relaxare a condiiilor de creditare,
demarnd un maraton al reducerii dobnzilor de refinanare pe pieele
bancare naionale (FED: de la 5,75% n iulie 2008 la 0,25% n
decembrie 2008; Banca Angliei: de la 5% n ianurie 2008 la 2,0% n
decembrie 2008). Prin aciuni de naionalizare, aprobare de ajutoare
guvernamentale, pompri de capital, autoritile au ncercat
stabilizarea sistemului financiar i aducerea pe linia solvabilitii a
marilor debitori, precum industriile auto, etc. Pe alocuri, aceste msuri
au fost insuficiente, guverne precum cel al Ucrainei sau Islandei
recurgnd la mprumuturile de la marii arbitri financiari internaionali
precum FMI, rolul crora a nceput s fie deseori contestat i nc
suscit controverse.
Una din leciile supreme ale anului financiar 2008 este volatilitatea
prognozelor financiare i economice. Conjunctura internaional a iscat
ntrebri retorice cu privire la valabilitatea liberalismului economic i
impactul intervenionismului n condiii de criz.

1 termen popularizat folosit n principal pentru a descrie situaia n care instituiile financiare acord

credite debitorilor caracterizai printr-o marj pronunat de expunere la riscul incapacit ii de


rambursare, precum cei cu o istorie creditar cu delincvene creditare sau cu experine limitat n
calitate de debitor etc.

2 http://www.thebanker.com/news/fullstory.php/aid/6374/risers_and_fallers.html
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704d5346540000000049454320735247420000000000000000000000000000f6d6000100000
000d32d48502020000000000000000000000000000000000000000000000000000000000000
000000000000000000000000000000000011637072740000015000000033646573630000018
40000006c77747074000001f000000014626b707400000204000000147258595a00000218000
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31000000000000000000000012735247422049454336313936362d322e31000000000000000
000000000000000000000000000000000000000

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000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
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322e3100000000000000000000000000000000000000000000000000
0000
Pe fonul turbulenelor internaionale, sistemul financiar naional i cel bancar n
particular, au pstrat aparena unei stabiliti funcionale, sub rezerva unor
intervenii active i repetate ale Bancii Naionale (BNM) prin prgiile sale specifice
(rata de baz, norma rezervelor obligatorii, operaiunile pe piaa deschis etc).
Politica promovat de BNM n anul 2008 a avut ca scop fundamental asigurarea i
meninerea stabilitii preurilor.
Deflaia a fost susinut de eforturile BNM ndreptate n sensul sterilizrilor masive
(compensarea emisiei de lei fcut pe piaa valutar prin procurarea valutei
naionale de pe alte piee financiare), fenomen amplificat de reducerea creditului
intern cu 50,1% (a cererilor de pli fa de Guvern i fa de bncile comerciale)
ceea ce a provocat micorarea activelor nete ale Bncii Naionale cu 8%.

Un factor care nu poate fi neglijat este i moderarea tempoului de cretere a


transferurilor angajailor de peste hotare, care n 2008 au depit pragul psihologic
de 1 mlrd. USD.
Tabelul 1. Evoluia unor indicatori ai sistemelor bancar i economic naionale (BNM)
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0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
Baza monetar ( mil. MDL)
Bani n circulaie (mil. MDL)

6512.3
5145.8

-7.0%
12.5%

9537.2
6664.9

46.4%
29.5%

11633.6
7578.8

22.0%
13.7%

Rezerve bancare ( mil. MDL)

1366.1

-43.8%

2872.2

110.2%

4051.3

41.1%

Rata inflaiei (%)


Rata medie anual ponderat a
operaiunilor de sterilizare (%)
Transferuri efectuate de muncitori

14.10%

+4,1p.p.

12.30%

-1,8p.p.

7.30%

-5p.p.

9.62%

+6,26p.p.

14.40%

+4,78p.p.

17.00%

602.82

53.8%

842.26

39.7%

1009.65

+2,6p.p.

(mil. USD)
Sursa: BNM i calculele autorilor
Aciunile Consiliului de administraie al BNM au avut la baz modificrile principalelor
sale prghii: rata de baz i norma rezervelor obligatorii.
BNM a urmrit n perioada martie-aprilie majorarea ratei de refinanare, opernd dou
ajustri succesive: de la 16% la 17% (martie) i de la 17% la 18,5% (aprilie). Luna
septembrie a adus cu sine revizuirea poziiei Bncii Naionale vis-a-vis de politica de
cretere a ratei de refinanare, ajustrile imputate ulterior ratei de baz aplicate la
principalele operaiuni de politic monetar a BNM avnd menirea diminurii
succesive a acesteia: la 17% n septembrie (-1,5 p.p.) i, ulterior, la 15,5% n
noiembrie (-1,5p.p.) i la 14% (-1,5p.p.) n decembrie.
n acelai context, paralel cu ajustarea ratei de refinanare, Consiliul de administraie
al BNM a operat modificri la nivelul rezervelor obligatorii din mijloacele financiare
atrase de bncile comerciale.
Astfel, n martie BNM a stabilit nivelul rezervelor obligatorii la 16% din baza calculat
(+1p.p.). Ulterior, n aprilie, printr-o demar similar, Banca Naional a majorat
norma rezervelor obligatorii cu nc 6 puncte procentuale pn la nivelul de 22%.
Similar evoluiei ratei de refinanare, norma rezervelor obligatorii a nceput a fi
diminuat din septembrie pn la nivelul de 20,5%, ulterior fiind micorat pn la
nivelul de 19% (noiembrie) i pn la 17,5% n decembrie.
Conform previziunilor BNM, micorarea normei rezervelor obligatorii din noiembrie a

19.9%

fost estimat s duc la restituirea de ctre BNM a lichiditilor, ce apar n sistemului


bancar, n mrime circa 232.0 mln MDL i 8,8 mln USD precum i 9,8 mln EUR. n
decembrie, micorarea normei rezervelor obligatorii cu 1.5 p.p. a fost menit s
determine majorarea resurselor de creditare ale sistemului bancar cu circa 229.0 mln
MDL, 8.7 mln USD i 9.7 mln EUR.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n analiza care urmeaz vom ncerca s prezentm evoluia ctorva


indicatori, care evideniaz principalele evoluii i tendine pe piaa
bancar n anul 2008

Nivelul de intermediere financiar a crescut nensemnat de la 38% la 39% n


perioada 2007-2008. Spre comparaie, n perioada menionat gradul de intemediere
financiar a crescut n Romnia de la 33% la cca. 35%.

Pentru Republica Moldova, situaia poate fi interpretat ca existena unui potenial


serios pentru noi intrri pe piaa bancara naional i c sistemul bancar naional
este caracterizat printr-o poziionare de ni, nu toate bncile fiind universale.
Tabelul 2. Rata de intermediere financiar
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
1
2
3
4
5

Euro Area
Estonia
Letonia
Bulgaria
Ungaria

139.6%
95.1%
86.3%
75.0%
64.2%

134.7%
96.1%
89.1%
66.8%
60.9%

125.6%
84.6%
87.4%
47.1%
58.1%

118.5%
70.3%
68.2%
43.6%
50.3%

6
7
8
9

Lituania
Cehia
Polonia
Moldova
10 Romnia

61.6%
47.5%
41.7%
39.0%
35.6%

60.3%
50.1%
41.8%
38.0%
33.4%

50.0%
42.4%
33.9%
30.0%
28.2%

40.9%
38.0%
30.2%
26.0%
20.5%

Sursa: Calculele autorilor dup datele Eurostat, BNM

Mrimea comparabil a indicatorului respectiv cu alte ri din regiune i chiar mai


nalt dect cea nregistrat n Romnia se explic mai degrab prin valoarea relativ
redus al PIB-ului naional. Efectul de la concluzia pozitiv fcut mai sus se
evapor ndat ce comparm nivelul unui alt indicator, poate cel mai obiectiv
valoarea PIB pe cap de locuitor. Dac Moldova nregistreaz un nivel al acestuia de
cca. 1 190 EUR per capita n 2008, atunci mrimea acestuia n cazul Romniei pentu
acelai an este de 5.3 ori mai mare cca. 6 360 EUR per capita.

Activele din sistemul bancar naional s-au majorat n decursul anului 2008 cu
cca. 23%, atingnd 39 122 mln MDL. Creterea din anul 2008 este inferioar
celei atestate n 2007, cnd avansul anual nregistrat de activele din sistemul
bancar a fost de cca. 40%.

n confruntarea cu un cost mai ridicat al finanrilor precum i reducerea


posibilitilor de atragere a mijloacelor de finanare, piaa bancar naional a fost
martora unei temperri vizibile a ratei de cretere a creditelor: aprecierea nivelului de
cretere a creditelor acordate n anul 2008 a fost de 19,4% (4 019 mil. MDL) fa de
50,1% n 2007.
Figura 1 scoate n eviden trendul ascendent nregistrat de rata dobnzii la creditele
n valut, care s-a majorat de la 10.8% n ianuarie la 14.6% n decembrie, totodat,
ratele dobnzii la creditele n lei moldoveneti, s-au majorat de la 19.2% pn la
23.0% n septembrie, reducndu-se nesemnificativ n luna decembrie pn la 22.6%.
Cauzele de baz fiind creterea ratei de refinanare a BNM i a rezervelor minime
obligatorii, reducerea finanrilor acordate bncilor comerciale de ctre organizaiile
internaionale i creterea costului resurselor atrase, aprecierea leului fa de euro i
dolar american.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n septembrie cnd ratele la credite n lei i-au atins maximul din anul
2008, Banca Naional a nceput reducerea treptat a ratei de baz i a
normei rezervelor obligatorii, pentru a elibera lichiditi i a ncuraja

creditarea, aciune ntrziat pe fondalul creterii proporiilor crizei


financiare internaionale. n anul 2009 Banca Naional ar trebui s
continu politica de reducere a rezervelor minime obligatorii pentru a
stimula n continuare creditarea.
Figura 1. Evoluia portofoliului de credite i a ratelor dobnzii, 2008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25.0%

20.0%

15.0%

10.0%

5.0%

0.0%

-5.0%
ian

febr

m art

apr

portofoliul creditelor
acordate (m il. MDL)

m ai

iun

iul

creterea relativ a
portofoliului creditelor
acordate

aug

sept

oct

rata dobnzii la creditele n lei

nov

dec

rata dobnzii la creditele n


valut

Sursa: Datele bncilor comerciale

Un alt indicatori relevant, care caracterizeaz situaia sistemului bancar

autohton mai ales n condiiile crizei financiare internaionale este evoluia


creditelor nefavorabile.
Creterile de dobnd suprapuse peste prudena bncilor comerciale i reducerea
finanrilor primite de acestea au accelerat ascensiunea creditelor neperformante pe
finalul anului trecut potrivit datelor bncii naionale, creditele nefavorabile s-au
ridicat la 1.27 mlrd. MDL (5.1% din total credite), n cretere cu 69% fa de 2007,
cea mai mare parte a deteriorrii portofoliilor de credite ale bncilor a survenit n a
doua jumtate a lui 2008, cnd ponderea amintit a urcat cu aproape dou puncte
procentuale.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Figura 2. Evoluia creditelor nefavorabile n portofoliul de credite

ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494
c4500010100000c484c696e6f021000006d6e74725247422058595a2007ce0002
0009000600310000616373704d53465400000000494543207352474200000000
00000000000000000000f6d6000100000000d32d4850202000000000000000000
0000000000000000000000000000000000000000000000000000000000000000
00000000000001163707274000001500000003364657363000001840000006c7
7747074000001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a0000024000000014646d6e6400
00025400000070646d6464000002c400000088767565640000034c0000008676
696577000003d4000000246c756d69000003f8000000146d6561730000040c000
0002474656368000004300000000c725452430000043c0000080c675452430000
043c0000080c625452430000043c0000080c7465787400000000436f707972696
76874202863292031393938204865776c6574742d5061636b61726420436f6d70
616e790000646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d322e3100
0000000000000000000000000000000000000000000000000000
T4 2007 T1 2008 T2 2008 T3 2008 T4 2008
Portofoliul de credite
Total credite nefaPon

derea creditelor (m il. MDL) vorabile (m il. MDL)


nefavorabile n portofoliul de credite (%)
Sursa: Datele bncilor comerciale

ntr-o situaie similar s-au pomenit i depozitele bancare, pentru care ritmul de
cretere de 17,8% (4 109 mln MDL) n 2008 este de 2 ori mai mic dect cel
nregistrat n 2007 de 34% (5 843 mil MDL).

Ratele dobnzii la depozitele atrase de bncile comerciale practic au repetat evoluia


ratelor dobnzilor la credite, bncile fiind tot mai interesate n resursele de pe piaa
intern au venit cu oferte tentante att pentru persoane fizice ct i pentru cele
juridice.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Figura 3. Evoluia portofoliului depozitelor atrase i a ratelor dobnzii,


2008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25.0% 20.0% 15.0% 10.0% 5.0% 0.0%

-5.0% -10.0%
ian febr m art apr m ai iun iul aug sept oct nov dec
portofoliul depozitelor creterea relativ a
rata dobnzii la
rata dobnzii la atrase
(mil. MDL) portof oliului depozitelor depozitele n lei depozitele n valut atrase
Sursa: Datele bncilor comerciale

Decelerarea tempoului de cretere a depozitelor se datoreaz n primul rnd reducerii


ritmului de cretere a depozitelor persoanelor fizice de la 52,7% (4 864 mln MDL) n
2007 la 21,2% (2 990 mil. MDL) n 2008, pe fonul unei relative conservri a ritmul de
cretere a depozitelor atrase de la persoane juridice: 12,2% (976 mln MDL) n 2007 i
12,5% (1 119 mln MDL) n 2008.

Raportul dintre totalul creditelor acordate de bncile i cel al depozitelor atrase a


fost de 91.1% in 2008, potrivit datelor publicate de Banca Naional a
Moldovei (BNM).

n comparaie cu alte ri din Europa Central i de Est Republica Moldova se numr


printre statele cu un nivel subunitar al raportului dintre credite i depozite. Cele mai
solicitate sisteme bancare se regasesc in Rusia (cu un raport credite/depozite de
161%), Ucraina (150%), Slovenia (141%), Ungaria (132%) si Romania (122%).
Principalii vectori de impulsionare a creterii creditelor in majoritatea tarilor au fost
creditele ipotecare si de consum -o consecinta a scaderii ratei somajului, a cresterii
PIB-ului pe cap de locuitor i a cererii ulterioare tot mai mari pentru bunuri de larg
consum si locuinte, fapt care ne demonstreaz potenialul de cretere existent n
sectorul bancar autohton.
Piaa bancar naional n 2008 a fost inovativ prin prisma concurenei n
consolidarea portofoliului de depozite, situaia amintind uneori de un "razboi al
dobnzilor" practicat de bncile comerciale.
Rata anual medie ponderat la depozitele la termen a crescut pentru depozitele n
lei cu cca. 3 p.p. (19,6% valoric) i cu apr. 3,6 p.p. (60,4% valoric) la depozitele n
valut.
Bonificaiile care au ajuns la un maximum de 23-24% pentru depozitele n lei i de
13-14% pentru cele n euro / dolari vor aduce ctiguri consistente deintorilor de
conturi.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02c400000088767565640000034c0000008676696577000003d4000000246c756d69
000003f8000000146d6561730000040c0000002474656368000004300000000c7254
52430000043c0000080c675452430000043c0000080c625452430000043c0000080c
7465787400000000436f70797269676874202863292031393938204865776c657474
2d5061636b61726420436f6d70616e79000064657363000000000000001273524742
2049454336313936362d322e3100000000000000000000001273524742204945433
6313936362d322e3100000000000000000000000000000000000000000000000000
0000

Chiar dac dobnzile la economii ar putea stagna n urmtorul an,


bncile vor promova tot mai intens produsele de economisire pe fondul
lipsei de lichiditi de pe pieele externe.

Promovarea produselor de economisire va fi tot mai intens, n timp ce


partea de creditare va intra n-tr-un con de umbr. Bncile ncep s
acioneze deja n promovarea produselor de economisire, chiar de o
manier mai agresiv dect n promovarea produselor de creditare.
n acelai context, bncile au mizat pe implementarea soluiilor n
vederea creterii posibilitilor de deservire bancar la distan
(Victoriabank, Eurocreditbank), obinerea certificrii din partea
sistemului internaional de pli Visa International pentru deservirea
cardurilor bancare cu microcip (Investprivatbank, Procreditbank).

Corelarea nivelului de credite acordate de bncile comericale economiei naionale


i a nivelului investiiilor n capital fix la sfritul trimiestrului 4 din 2008 denot
o oarecare ciclicitate n ceea ce privete evoluia n dinamic a indicatorului.

Se observ c investiiile n capital fix din contul creditelor i mprumuturilor au


nregistrat tendin de reducere n comparaie cu anul 2007 cauzele de baz fiind
nsprirea condiiilor de creditare propuse de bncile comerciale, precum i
reducerea numrului de ageni economici capabili s contracteze un credit n
condiiile actuale.
Figura 4. Evoluia investiiilor n capital fix corelate cu volumul creditelor acordate
8,293
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d5346540000000
049454320735247420000000000000000000000000000f6d60001000
00000d32d4850202000000000000000000000000000000000000000
0000000000000000000000000000000000000000000000000000000
01163707274000001500000003364657363000001840000006c7774
7074000001f000000014626b707400000204000000147258595a0000
0218000000146758595a0000022c000000146258595a00000240000
00014646d6e640000025400000070646d6464000002c40000008876
7565640000034c0000008676696577000003d4000000246c756d690
00003f8000000146d6561730000040c0000002474656368000004300
000000c725452430000043c0000080c675452430000043c0000080c6
25452430000043c0000080c7465787400000000436f7079726967687
4202863292031393938204865776c6574742d5061636b6172642043
6f6d70616e7900006465736300000000000000127352474220494543

36313936362d322e310000000000000000000000127352474220494
54336313936362d322e310000000000000000000000000000000000
0000000000000000000034.8%

7,522 7,187

5,982
5,024
2,884
884
658
432
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
T1 2007 T2 2007 T3 2007 T4 2007 T1 2008 T2 2008 T3 2008
T4 2008
investitii in capital fix volum ul creditelor
pond
erea investitii in din contul
creditelor si acordate (m il. MDL)
capital fix din contul im prum
uturilor (m il. creditelor si im pruMDL) m uturilor n volum ul
creditelor acordate

Sursa: BNM, calculele autorilor


Anul 2008 a fost divers din punctul de vedere al inteniilor exprimate de unii juctori
strini de a veni pe piaa bancar naional, dar i de planurile Guvernului de a
privatiza unele din activele sale bancare. Evenimentul major a fost legat cu
posibilitatea, actualmente incert, de privatizare a Bncii de Economii (BEM),
pentru care Guvernul RM anunase un concurs de oferte i chiar selectase
consultantul.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Odat concursul de privatizare anunat, n cadrul celei de a doua etape


n procesul privatizrii BEM, la nceputul lunii iulie, au fost deschise
plicurile cu ofertele companiilor care au manifestat interes pentru
participarea n concursul de selectare al consultantului Guvernului la
privatizarea BEM. Din cei 4 candidai reinui (BNP Paribas, divizia din
Grecia a companiei HSBC, IAAG Consultoria & Corporate Finance n
consorium cu Meinl Capital Advisors AG (partener local EstimatorVM) i Galt & Taggart), n august, BNP Paribas Corporate & Investment
Banking a fost selectat drept consultnt al Guvernului.
La 30 septembrie 2008 compania respectiv a semnat contractul de
consultan cu Guvernul RM, n persona Ageniei Proprietii Publice
privind privatizarea cotei statului n BEM. Contractul a fost semnat pe
un termen de 12 luni, iar BEM urma s fie scoas la vnzare pn pe
31 martie 2009 potrivit Memorandumului FMI. Expunerea BEM pentru
privatizare a devenit ns un fapt incert n condiile n care situaia
economic s-au deteriorat, iar Guvernul a declarat c nu mai identific
acesta ca fiind o prioritate.
Cteva tentative de intrarea pe piaa bancar naional, dintre care cel
puin una euat, a aparinut bncilor ruseti cu capital majoritar sau
integral de stat ( () i
) i oamenilor de afaceri rui.
Chiar n debutul anului, banca ruseasc Vnestorgbank
(VTB, capital de stat -77,5%) anuna planurile deschiderii unei
reprezentane comerciale i a unei filiale n vederea finanrii i

susinerii proiectelor energetice i investiionale realizate de ctre


Gazprom, INTER RAO EES precum i alte companii ruseti. n
octombrie, banca a suspendat proiectul, invocnd o schimbarea de
prioriti legate de dezvoltarea reelei bancare n regiunile n care
banca deja este prezent, precum i n rile cu un potenial economic
nalt, n special Kazahstan si Azerbaidjan.
Consiliului
de
observatori
ai
bncii

hotrse n august 2008 deschiderea


unei reprezentane n Republica Moldova, n cadrul planului su de
lrgire regional (Tadjikistan, Mongolia, Belarus, Moldova). La 1 iulie
2008, banca deinea poziia a 4-a dup valoarea activelor n sistemul
bancar rusesc (17,4 mlrd. EUR), unicul fondator al bncii fiind statul
rus, n persoana Ageniei Federale de Gestiune a Proprietii Publice.
Dup cum devenise cunoscut n august 2008, omul de afaceri rus,
Gherman Gorbunov, inteniona s cumpere integral sau o participare
consistent n banca moldoveneasc Universalbank, obinnd la acea
vreme permisiunea de la Banca Naional de a procura pana la 80%
din aciunile Universalbank. Ulterior, n decembrie 2008 a devenit
cunoscut c Gorbuntov, a procurat 52,99% (27 mii 723 actiuni la pretul
de 1660 MDL per actiune) din actiunile Universalbank contra 46 mln
MDL (4,4 mln USD).
nc din ianuarie 2008 devenise cunoscut faptul c Banca Transilvania
(BT) va discuta n aprilie planul de dezvoltare corporativ pentru
Republica Moldova, dup care vor ncepe procedurile legate de
deschiderea primei sucursale n Republic. n iunie, BT Romnia a
confirmat c va deschide o banc subsidiar la Chiinu n 2009, din
care urma s controleze 60% i care urma s fie nfiinat cu sprijinul
instituiilor financiare internaionale -BERD, IFC (divizia de investiii a
Bncii Mondiale), DEG (parte a grupului bancar german KfW) i FMO
(Olanda). Deschiderea subsidiarei BT n Moldova era programat
pentru 2009, proiectul fiind la moment n stare de suspendare pe
durat necunoscut. Interesele BT n Republica Moldova au continuat
n 2008 s fie reprezentate, n principal, prin subsidiara diviziei de
leasing a bncii, BT Leasing MD n Republica Moldova.

Majorrile de capital bancar n 2008 au adus cu sine schimbri succesive n


structurile acionariatului bncilor autohtone.

Cea mai mare majorare unic de capital n 2008 a fost fcut de Investprivatbank,
care a realizat o emisiune suplimentar de aciuni n valoare de 50 mln MDL. n urma
acestei emisiuni suplimentare realizate n noiembrie 2008, acionarul, care a
contribuit integral la majorarea capitalului bncii (Tabor Projects Limited, Marea
Britanie), a obinut 35.24% din numrul total de aciunilor cu drept de vot. Aceast
majorare de capital a fost precedat de cea din debutul anului, cnd Investprivatbank
a realizat o emisiune suplimentar de aciuni de 20 mln MDL.
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c45
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n urma unei emisiuni de aciuni n valoare de 28,84 mln MDL, capitalul


social al Mobiasbanca -Groupe Societe Generale a ajuns n iulie la 100
mln MDL. Ca urmare a emisiunii suplimentare, n structura acionarilor
bncii s-au produs schimbri eseniale. Astfel, noi acionari ai bncii au
devenit Banca Romn de Dezvoltare (subsidiar a Societe Generale n
Romnia) cu 20% din aciuni i Banca European pentru Reconstrucie
i Dezvoltare (BERD) cu 8.84%. Groupe Societe Generale rmne
acionarul majoritar cu 67.85%, iar restul de 3.31% din aciuni sunt
deinute de acionari minoritari.
i Moldindconbank a fost activ n planul creterii valorii capitalului
social, nregistrnd prima cretere de capital n martie 2008, printr-o
emisie suplimentar nchis n valoare de 21,2 mln MDL, i o alt
cretere n august, printr-o emisie suplimentar de 21 mln MDL.
Procreditbank a operat cteva creteri succesive a capitalului social pe
parcursul anului 2008, subscrise integral de acionarul principal
-ProCredit Holding AG. Prima emisie suplimentar de aciuni a avut loc
n iunie (10 mln MDL), iar cea de a doua s-a consumat n septembrie
(14 mln MDL).

n acelai an, bncile din Republica Moldova au primit sub form de linii de credit
cca. 50 mln. USD, dintre care cca. 25 mln. USD au fost primite de Mobiasbanca
-Groupe Societe Generale. Finanatorii acesteia au fost unul din acionarii
bncii, BERD, (20 mln. USD) i Banca pentru Comer i Dezvoltare a Mrii
Negre (5 mln. USD).

Alte $20 mln USD au fost mprumutate bncii Eximbank Gruppo Veneto Banca pe
termen de 5 ani de ctre BERD.
n iunie, Fincombank a primit avizul pozitiv al Consiliul de Directori al Fondului
American de Investiii Direcie Western NiS Enterprise Fund (WNISEF) n vederea unui
mprumut de 5 mln. USD pe un termen de 5 ani.

n aprilie, unele modificri la legislaia n vigoare au stabilit nivelul de 100 mln


MDL pentru valoarea minim al capitalului bncilor comerciale a Republicii

Moldova, cu scopul constituirii unei formule de corespundere standardelor


Uniunii Europene, care stabilesc c capitalul iniial al bncilor trebuie s
constituie cel puin 5 mln EUR.
n legatur cu stabilirea cerinei unice fa de capitalul bncilor, din lege au fost
excluse prevederile cu privire la nivelele diferite de liceniere n funcie de mrimea
minim a capitalului bancar. Modificrile au fost intuit s asigure reducerea
cheltuielilor, legate de obinerea noilor licene ce permit activitatea financiar
suplimentar, iar taxa pentru eliberarea licenelor bancare a fost stabilit la nivel de
50 mii MDL.

Luna iulie a a dus cu sine promulgarea Legii nr. 122-XVI din 29 mai 2008
privind birourile istoriilor de credit. Legea determin noiunea i componena
istoriei de credit, temeiurile, modul de formare, pstrare i utilizare a istoriilor
de credit, reglementeaz funcionarea birourilor istoriilor de credite n
legtur cu activitile menionate etc.

Bncile comerciale sunt obligate s prezinte toate informaiile de care dispun n


privina tuturor debitorilor care i-au dat acordul s prezinte informaiile respective
cel puin unui birou al istoriilor de credit. Prevederile proiectului de lege au n vedere
att bncile comerciale i clienii acestora, ct i companiile de leasing, asociaiile de
economii i mprumut, etc. Astfel, n afar de sistemul bancar informaiile privind
bonitatea potenialilor mprumutai vor fi acumulate i de la companiile de asigurri
i telecomunicaii, registrele de stat i private. Prezenta lega va intra n vigoare la 1
martie 2009. Dup promulgarea legii n iulie a fost anunat lansarea primului birou
al istoriilor de credit de ctre IMC Infocredit. Asociaia Bncilor din Moldova a anunat
de asemenea c va institui un birou al istoriilor de credit.

Ulterior, n august a fost publicat n Monitorul Oficial Legea cu privire la


ipotec, care fusese anterior adoptat de parlament i promulgat de
preedinte.

Legea stabilete bazele i procedurile de suspendare i modificare a ipotecii,


refinanarea creditelor ipotecare, constituirea ipotecii pentru cldirile n proces i
care urmeaz s fie construite, precum i obiectivele abandonate etc. Se stipuleaz
ca legea va servi drept baza pentru dezvoltarea creditelor ipotecare n Moldova i va
reda creditorilor ncredere n procesul de creditare a construciilor sau procurare a
apartamentelor n proces de construcie. Pentru bnci, Legea prevede un mecanism
foarte clar n privina executrii dreptului de ipotec, n caz c debitorul ajunge n
imposibilitate de plat. Anterior, bncile finanatoare riscau enorm cnd decideau s
finaneze construciile viitoare, pentru c nu aveau un gaj clar, lichid.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0000

ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000

1. TOP Bnci - Dinamica de cretere a


activelor
Tabelul 3. TOP bnci -Dinamica de cretere a activelor

ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
2

Investprivatbank

1
0

Mobiasbanca

Eximbank

BCR

4
5

1,597,97
6
3,744,78
2
3,717,30
1
1,912,67
3
5,418,85
5
4,576,90
3
1,308,48
4
3,544,83
8
228,759

1,100,87
2
2,606,70
0
2,715,11
9
1,445,47
4
4,106,94
2
3,647,92
4
1,057,60
5
3,049,04
5
198,009

582,241

Banca Social
Moldova Agroindbank

9
1
0

1
5
1
3

1
1

1
4

1
2

1
3

1
4

Fincombank

1
5

1
2

Universalbank

1
6

n/
a

Victoriabank
Moldindconbank
Energbank
Banca de Economii

497,104

45.2%

4.1%

0.6%

1,138,082

43.7%

9.6%

1.4%

1,002,182

36.9%

9.5%

1.0%

467,200

32.3%

4.9%

0.4%

1,311,913

31.9%

13.9%

1.0%

928,979

25.5%

11.7%

0.2%

250,879

23.7%

3.3%

0.0%

495,793

16.3%

9.1%

-0.5%

30,750

15.5%

0.6%

-0.0%

527,059

55,182

10.5%

1.5%

-0.2%

2,254,40
0

2,117,36
1

137,039

6.5%

5.8%

-0.9%

7,286,21
9

6,888,60
9

397,610

5.8%

18.6%

-3.0%

1,785,70
3

1,689,72
5

95,977

5.7%

4.6%

-0.7%

274,921

322,712

-47,792

-14.8%

0.7%

-0.3%

324,862

n/a

0.8%

n/a

Eurocreditbank
Unibank

Procreditbank

n/a

n/a

ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464

6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
Sursa: Datele bncilor comerciale
Dup ritmul de cretere a activelor n mrimi relative liderul pieei n anul 2008 este
Comerbank care a nregistrat o majorare a activelor cu 47,8% pn la 568,2 mil.
MDL, cota de pia a bncii atingnd 1,4%, n cretere cu 0,2% fa de anul 2007.
Creterea activelor bncii a fost determinat de creterea depozitelor atrase de la
persoane fizice cu 425,2%, precum i a celor juridice cu 58,8%. Cu toate c banca nu
are o reea teritorial dezvoltat ea a reuit pe parcursul anului 2008 s atrag mai
muli clieni, n majoritatea lor persoane fizice, tot n anul 2008 banc a trecut ntr-un
sediul nou i a efectuat o modificare a paginii web.
Pe poziia secund se claseaz Mobiasbanca, cu o cretere a activelor de 43,7% pn
la 3 744,8 mil. MDL, i o cot de pia de 9,6%, n cretere cu 1,4% fa de 2007.
Majorarea activelor a fost determinat de creterea depozitelor persoanelor juridice
cu 29,3%. Creterea nregistrat se datoreaz promovrii unei politici comerciale
adecvate, att la nivelul pieei de retail, ct i n ceea ce privete piaa corporate.
Pe poziia a III-a se claseaz Eximbank care a raportat o majorare a activelor de
36,9% pn la 3 717,3 mil. MDL avnd o cot de pia de 9,5%, n cretere cu 1,0%
fa de 2007. Creterea activelor bncii a avut la baz creterea depozitelor
persoanelor juridice cu 36,4%, precum i a celor fizice cu 19,3%. n anul 2008,
Eximbank a dezvoltat n continuare segmentul corporativ, inclusiv finanarea
proiectelor investiionale mari i de lung durat ale companiilor din sectorul real al
economiei naionale, care la etapa actual se confrunt cu o penurie de resurse
financiare pe termen lung, totodat banca a deschis subdiviziuni noi n mai multe
regiuni ale rii precum i a lrgit reeaua unitilor de deservire a cardurilor bancare
i a transferurilor bneti.
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c45
00010100000c484c696e6f021000006d6e74725247422058595a2007ce0002000900
0600310000616373704d53465400000000494543207352474200000000000000000
00000000000f6d6000100000000d32d4850202000000000000000000000000000000
0000000000000000000000000000000000000000000000000000000000000000011
63707274000001500000003364657363000001840000006c77747074000001f00000
0014626b707400000204000000147258595a00000218000000146758595a0000022c
000000146258595a0000024000000014646d6e640000025400000070646d64640000
02c400000088767565640000034c0000008676696577000003d4000000246c756d69
000003f8000000146d6561730000040c0000002474656368000004300000000c7254
52430000043c0000080c675452430000043c0000080c625452430000043c0000080c
7465787400000000436f70797269676874202863292031393938204865776c657474
2d5061636b61726420436f6d70616e79000064657363000000000000001273524742
2049454336313936362d322e3100000000000000000000001273524742204945433

6313936362d322e3100000000000000000000000000000000000000000000000000
0000

Dup ritmul de cretere a activelor n mrimi absolute liderul pieei este


Victoriabank +1 311,9 mil. MDL, pn la 5 418,6 mil. MDL, creterea a
fost determinat de majorarea depozitelor persoanelor juridice cu
40,0%, precum i a celor juridice cu 20,9%. Banca este una din cele
mai dinamice bnci din sistem, cu o reea teritorial n cretere i o
ofert diversificat de produse i servicii.
Pe poziia secund se afl Mobiasbanc, care i-a majorat activele cu 1
138,1 mil. MDL, top 3 bnci comerciale este completat de Eximbank cu
o cretere a activelor cu 1 002,2 mil. MDL.

Liderul pieei dup valoarea absolut a activelor este Moldova


Agroindbank, care a raportat o cretere a acestora cu 397,6 mil. MDL
(5,8%) pn la 7 286,2 mil. MDL, este de menionat faptul c cota de
pia a bncii pe parcursul anului s-a redus cu 3,0% pn la 18,6%.
Pe poziia secund se afl Victoriabank volumul activelor creia a atins
5 418,6 mil. MDL iar cota de pia a crescut cu 1,0% pn la 13,9%.
Top 3 bnci comerciale este completat de Moldindconbank cu un
cuantum a activelor de 4 576,9 mil. MDL, n cretere cu 929,0 mil. MDL
(25,5%) i o cot de pia de 11,7%.
Figura 5. Cotele de pia deinute de bnci dup valoarea total a activelor,
2008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MAIB Victoriabank Moldindconbank Mobiasbanca Exim bank BEM Banca Social Restul
Sursa: Datele bncilor comerciale

ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c4500010100000c484c696e6f02100000
6d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004945432073524742000000000
0000000000000000000f6d6000100000000d32d4850202000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000001163707274000001500000003364657363000001840000006c777
47074000001f000000014626b707400000204000000147258595a00000218000000146758595a0000022c000000146258
595a0000024000000014646d6e640000025400000070646d6464000002c400000088767565640000034c0000008676696
577000003d4000000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f707972696768
74202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006465736300000000000000127
35247422049454336313936362d322e31000000000000000000000012735247422049454336313936362d322e31000000
000000000000000000000000000000000000000000000000

2. TOP Bnci - Dinamica de cretere a


depozitelor

Tabelul 4. Top bnci dup dinamica de cretere a depozitelor atrase


ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
Sursa: Datele bncilor comerciale

Cea mai dinamic banc dup ritmul de cretere a depozitelor atrase n anul 2008 este
Comerbank +75,5% (166,8 mil. MDL).
Poziia secund este deinut de Investprivatbank +46,4% (426,8 mil. MDL), astfel,
valoarea indicatorului atingnd 1 346,0 mil. MDL sau 4,9% din total.
Podiumul este completat de BCR, care a raportat o cretere de +37,3% (433,7 mil.
MDL) pn la 1 596,0 mil. MDL sau 5,9% din total.
Liderul dup volumul depozitelor atrase este Moldova-Agroindbank care la 31/12/2008
a atras depozite n valoare total de 5 286,0 mil. MDL, n scdere cu 0,5% (26,0 mil.
MDL) fa de 31/12/2008, cota de pia a bncii s-a redus cu 3,6% pn la 19,4%.
Poziia secund este deinut de Victoriabank cu un cuantum al depozitelor atrase de
4 489,5 mil. MDL, n cretere cu 33,4% (1 124,1 mil. MDL), cota de pia a bncii
majorndu-se cu 1,9% pn la 16,5%.
Top 3 bnci comerciale este nchis de Moldindconbank cu 3 768,7 mil. MDL depozite
atrase, n cretere cu 25,5% (765,2 mil. MDL), cota n total fiind de 13,9%.
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c45
00010100000c484c696e6f021000006d6e74725247422058595a2007ce0002000900
0600310000616373704d53465400000000494543207352474200000000000000000
00000000000f6d6000100000000d32d4850202000000000000000000000000000000
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Figura 6. Cotele de pia deinute de bncile comerciale dup valoarea


total a depozitelor atrase, 2008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MAIB Victoriabank Moldindconbank BEM Mobiasbanca Exim bank BCR Banca Social Re stul
Sursa: Datele bncilor comerciale
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c4500010100000c484c696e6f02100000
6d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004945432073524742000000000
0000000000000000000f6d6000100000000d32d4850202000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000001163707274000001500000003364657363000001840000006c777
47074000001f000000014626b707400000204000000147258595a00000218000000146758595a0000022c000000146258
595a0000024000000014646d6e640000025400000070646d6464000002c400000088767565640000034c0000008676696
577000003d4000000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f707972696768
74202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006465736300000000000000127
35247422049454336313936362d322e31000000000000000000000012735247422049454336313936362d322e31000000
000000000000000000000000000000000000000000000000

3. TOP Bnci - Dinamica de cretere a


portofoliului de credite
Tabelul 5. Top bnci dup dinamica de cretere a portofoliului de credite

ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
Sursa: Datele bncilor comerciale

Liderul pieei n anul 2008 dup ritmul de cretere a portofoliului de credite este
Investprivatbank +67,0% (437,9 mil. MDL), cuantumul creditelor atingnd la
31/12/2007 1 091,5 mil. MDL, iar cota de pia a bncii s-a majorat cu 1,3% pn la
4,4%.
Poziia secund este deinut de Comerbank cu o cretere de +41,5% (85,2 mil.
MDL) pn la 290,2 mil. MDL, ponderea portofoliului de credite n total fiind de 1,2%.
Topul bncilor comerciale este nchis de Mobiasbanca +38,7% (623,8 mil. MDL)
volumul finanrilor atingnd 2 236,2 mil. MDL sau 9,0% din total.
Liderul dup valoarea portofoliului este Moldova Agroindbank, care pentru anul 2008
a raportat o cretere a indicatorului cu 6,4% (304,6 mil. MDL) pn la 5 041,9 mil.
MDL, cota de pia a bncii fiind de 20,4%, n scdere cu 2,5% fa de anul 2007.
Pe poziia a II-a se afl Victoriabank, volumul finanrilor creia a atins 3 501,1 mil.
MDL, n cretere cu 23,9% (675,8 mil. MDL) fa de anul 2007, cota de pia a bncii
a crescut cu 0,5% pn la 14,1%.
Top 3 bnci comerciale este nchis de Moldindconbank, cu un portofoliul de credite de
3 203,8 mil. MDL, n cretere cu 19,8% (529,4 mil. MDL) i o cot de pia de 12,9%.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Figura 7. Cotele de pia deinute de bncile comerciale dup valoarea

total portofoliului de credite, 2008
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MAIB Victoriabank Moldindconbank Exim bank Mobiasbanca BEM Banca Social BCR Restul
Sursa: Datele bncilor comerciale
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c4500010100000c484c696e6f02100000
6d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004945432073524742000000000
0000000000000000000f6d6000100000000d32d4850202000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000001163707274000001500000003364657363000001840000006c777
47074000001f000000014626b707400000204000000147258595a00000218000000146758595a0000022c000000146258
595a0000024000000014646d6e640000025400000070646d6464000002c400000088767565640000034c0000008676696
577000003d4000000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f707972696768
74202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006465736300000000000000127
35247422049454336313936362d322e31000000000000000000000012735247422049454336313936362d322e31000000
000000000000000000000000000000000000000000000000

4. TOP Bnci - Dinamica de


cretere a venitului net
Potrivit datelor bncilor comerciale, la nivelul sistemului bancar venitul net acumulat
n anul 2008 se ridic la 1.3 miliarde de lei, marcnd o cretere cu 15.6% fa de anul
2007.
Tabelul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52430000043c0000080c675452430000043c0000080c625452430000043c0000080c
7465787400000000436f70797269676874202863292031393938204865776c657474
2d5061636b61726420436f6d70616e79000064657363000000000000001273524742
2049454336313936362d322e3100000000000000000000001273524742204945433
6313936362d322e3100000000000000000000000000000000000000000000000000
0000
4 3 Victoriabank 225,702 179,067 46,635 26.0%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c4500010100000c484c696e6f02100000
6d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004945432073524742000000000
0000000000000000000f6d6000100000000d32d4850202000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000001163707274000001500000003364657363000001840000006c777
47074000001f000000014626b707400000204000000147258595a00000218000000146758595a0000022c000000146258
595a0000024000000014646d6e640000025400000070646d6464000002c400000088767565640000034c0000008676696
577000003d4000000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f707972696768
74202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006465736300000000000000127
35247422049454336313936362d322e31000000000000000000000012735247422049454336313936362d322e31000000
000000000000000000000000000000000000000000000000

Sursa: Datele bncilor comerciale


Liderul dup ritmul de cretere a profitului este Eximbank, care n anul 2008 a
nregistrat o cretere cu 98.6%, pn la 113.2 mil. MDL. Poziia secund este deinut
de Fincombank, cu o cretere a profitului cu 41.8%, la
58.3 mil. MDL, fiind urmat de Eurocreditbank care a raportat o cretere cu 31.2%,
pn la 23.4 mil. MDL i Victoriabank cu o dinamic pozitiv cu 26.0%, de la 179.1
mil. MDL la 225.7 mil. MDL.
Industria bancar rmne una din cele mai profitabile sectoare din economia
Republicii Moldova. Mai mult de 56% din venitul net consemnat de sistemul bancar n
anul 2008 a fost realizat de Moldova Agroindbank, Victoriabank i Banca de Economii,
cele mai mari bnci din sector.
Profitabilitatea bncilor a fost influenat n primul rnd de competiia tot mai
puternic de pe pia. Moldova Agroindbank, Banca de Economii i Victoriabank sunt
liderii sistemului bancar moldovenesc n funcie de veniturile nete pe care le-au
nregistrat n anul 2008.
Astfel, n anul 2008, Moldova Agroindbank a raportat un profit de 286.6 mil. MDL, n
cretere cu 52.0 mil. MDL fa de aceeai perioad a anului trecut.
n acelai timp, Victoriabank a reuit s depeasc Banca de Economii, obinnd o
cretere cu 46.6 mil. MDL a venitului net comparativ cu anul 2007. Astfel,
Victoriabank a raportat un venit net de 225.7 mil. MDL n perioada analizat.
Banca de Economii, al treilea juctor din sistem, a nregistrat n anul 2008 un venit
net de 210.7 mil. MDL, cu 7.9% (15.5 mil. MDL) deasupra rezultatului obinut n anul
2007.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000003f8000000146d6561730000040c0000002474656368000004300000000c7254
52430000043c0000080c675452430000043c0000080c625452430000043c0000080c
7465787400000000436f70797269676874202863292031393938204865776c657474
2d5061636b61726420436f6d70616e79000064657363000000000000001273524742
2049454336313936362d322e3100000000000000000000001273524742204945433
6313936362d322e3100000000000000000000000000000000000000000000000000
0000

Figura 8. Cotele de pia deinute de bncile comerciale dup valoarea


venitului net obinut n 2008
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 Victoriabank
BEM Exim bank Moldind
conbank Mobiasbanca BCR
Banca Social Restul
Sursa: Datele bncilor comerciale
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c4500010100000c484c696e6f02100000
6d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004945432073524742000000000
0000000000000000000f6d6000100000000d32d4850202000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000001163707274000001500000003364657363000001840000006c777
47074000001f000000014626b707400000204000000147258595a00000218000000146758595a0000022c000000146258
595a0000024000000014646d6e640000025400000070646d6464000002c400000088767565640000034c0000008676696
577000003d4000000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f707972696768
74202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006465736300000000000000127
35247422049454336313936362d322e31000000000000000000000012735247422049454336313936362d322e31000000
000000000000000000000000000000000000000000000000

5.
TOP
Bnci
Dinamica
creditelor de consum acordate
Dup o ascensiune spectaculoas a mprumuturilor de consum, ritmurile de cretere
pentru acest tip de finanare urmeaz s se potoleasc. Acest lucru reprezint o
consecin fireasc a faptului c piaa autohton se apropie de maturitate.

Numai n intervalul 2004-2008, valoarea total a creditelor de consum acordate a


crescut exponenial de peste 11 ori, de la 273 milioane lei, la 3.2 miliarde lei.
Pentru urmtorii patru ani, se estimeaz un avans mediu anual de doar 15-20% al
pieei mprumutului de consum, semnificativ mai redus comparativ cu nivelul de
cretere nregistrat n anii anteriori. Explicaia se gsete i n gradul de maturitate
spre care se ndreapt sectorul bancar autohton n acest moment.
Cu toate acestea, este de ateptat ca, pn la finele lui 2011, valoarea
mprumuturilor de consum s se dubleze, ajungnd la 6 miliarde de lei segmentul
fiind nc unul competitiv, cu un potenial nsemnat.
Estimarea de cretere anual a creditului de consum este de 15-20 %, putnd depi
6 miliarde de lei pn n 2011, pe baza unei creteri puternice a cheltuielilor pentru
consum i a consumului personal, care genereaz o cerere din ce n ce mai mare
pentru produse i servicii financiare, precum creditele de consum.
Bncile comerciale ofer un spectru larg de produse ce includ: credite
nenominalizate, credite fr gaj, carduri de credit, credit prin card de salarizare, cash
credit i faciliti de overdraft.
Din datele tabelului 7 se observ o reducere a volumului creditelor de consum
acordate de la 3.3 mlrd. MDL la 31/12/2007 pn la 2.9 mlrd. MDL la 31/12/2008. n
anul 2008 doar 3 bnci comerciale au reuit s-i majoreze portofoliul de credite de
consum acordate.
Tabelul 7. Top bnci dup dinamica de cretere a creditelor de consum
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
2

Mobiasbanca

603,528

502,569

100,959

20.1%

Moldindconbank

526,435

458,523

67,912

14.8%

29,441

3,397

11.5%

116,973

-5,211

-4.5%

46,109

48,660

-2,551

-5.2%

13 Eximbank

24,869

27,332

-2,463

-9.0%

14 Unibank

18,784

23,739

-4,955

-20.9%

59,842

85,231

-25,389

-29.8%

12 Eurocreditbank

7
8
9

Banca de Economii
Banca Social

Energbank

32,838
111,762

1
0
1
1
1
2
1
3
1
4

Victoriabank

15 Comerbank
8

Fincombank

11 BCR
1

Moldova Agroindbank

433,898
872

661,354
1,522

-227,456

-34.4%

-650

-42.7%

29,094

57,872

-28,778

-49.7%

20,392

41,521

-21,129

-50.9%

1,075,24
6

-575,183

-53.5%

48,593

-31,704

-65.2%

500,063

1
5

10 Universalbank

16,889

1
6

n/a Procreditbank

129,624

n/a

Total

2,787,651

3,328,968

n/a
-541,317

n/a
-16.3%

Sursa: Datele bncilor comerciale

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Liderul dup ritmul de cretere a creditelor de consum acordate este


Investprivatbank, cu o cretere cu 54.7%
(82.3 mil. MDL) pn la 232.6 mil. MDL, locul II este deinut de Mobiasbanca cu o
cretere cu 20.1%, de la 502.6 mil. MDL la 603.5 mil. MDL. Locul III este ocupat de
Moldindconbank cu o cretere a creditelor de consum acordate cu 14.8%, de la 458.5
mil. MDL la 526.4 mil. MDL.
Liderul pieei dup volumul creditelor acordate a devenit Mobiasbanca care a majorat
volumul creditelor de consum acordate pn la 603.5 mil. MDL la 31/12/2008, cu
101.0 mil. MDL sau 20.1%, cota de pia a bncii fiind de 34%.
Pe poziia secund se plaseaz Moldindconbank, cu o cot de pia de 16% i un
volum al creditelor acordate, de 502,6 mil. MDL.

Pe poziia a III-a se situeaz Moldova-Agroindbank care pe parcursul anului 2007 a


acordat credite de consum n valoare de 500.3 mil. MDL, deinnd la fel 16% din
cuantumul creditelor acordate de sistem.
Figura 9. Cotele de pia ale bncilor dup valoarea creditelor de consum acordate n 2008

ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000

Mobiasbanca
Moldindconbank MAIB Victoriabank Investprivatbank Restul
Sursa: Datele bncilor comerciale
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c4500010100000c484c696e6f02100000
6d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004945432073524742000000000
0000000000000000000f6d6000100000000d32d4850202000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000001163707274000001500000003364657363000001840000006c777
47074000001f000000014626b707400000204000000147258595a00000218000000146758595a0000022c000000146258
595a0000024000000014646d6e640000025400000070646d6464000002c400000088767565640000034c0000008676696
577000003d4000000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f707972696768
74202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006465736300000000000000127
35247422049454336313936362d322e31000000000000000000000012735247422049454336313936362d322e31000000
000000000000000000000000000000000000000000000000

Tabelul 8. Top bnci dup valoarea medie a dobnzilor la creditele de consum

ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
2

Investprivatbank

19.17

15.91

3.26

Universalbank

20.56

19.34

1.22

10 Unibank

20.65

19.46

1.19

Eximbank

20.73

16.50

4.23

Victoriabank

21.55

18.91

2.64

Banca de Economii

21.60

16.83

4.77

21.88

21.53

0.34

21.90

19.14

2.76

14 Fincombank

1
0

15 Mobiasbanca

22.07

22.21

-0.14

1
1

11 Energbank

22.09

20.12

1.97

22.45

18.85

3.60

1
2

BCR

Eurocreditbank

1
3

16 Banca Social

23.30

22.74

0.56

1
4

12 Moldindconbank

23.31

20.54

2.77

Moldova Agroindbank

23.41

18.01

5.40

Procreditbank

25.98

0.00

0.00

Rata medie a dobnzii

21.82

18.12

3.69

1
5

1
6

Sursa: Datele bncilor comerciale

Rata medie a dobnzii pentru creditele de consum acordate a crescut n 2008


comparativ cu 2007 cu 3.69 p.p.
La capitolul valoarea medie a dobnzilor percepute la creditele acordate pentru
consum, liderul, banca cu cele mai mici dobnzi percepute la acest tip de credite este
Comerbank (vezi Tabelul 8).
La nivelul anului 2008, liderul este urmat de InvestPrivatBank, Universalbank,
Unibank i Eximbank.

6. TOP Bnci - Valoarea creditelor


imobiliare / ipotecare acordate
n ultima perioad piaa creditelor pentru imobil, construcie i dezvoltare a
nregistrat o cretere semnificativ plasndu-se, astfel, printre cele mai dinamice
(dup ritmul de cretere), performane relativ comparabile fiind specifice, n aceast
perioad, doar segmentului creditelor de consum.
La sfritul anului 2008 creditarea proiectelor imobiliare a ncetinit ca urmare a
efectelor crizei financiare internaionale, sectorul construciilor fiind unul din cele mai
afectate.
Creditarea din sectorul imobiliar se va revigora n maxim un an, pentru c exist nc
o pia n acest domeniu i pentru c este nevoie de susinerea activitilor care aduc

surplus de for de munca, cum sunt construciile. Aceasta este o perioada de


tranziie n evoluia creditului imobiliar deoarece exist nc oportuniti mari i
cerere mare pentru credite pentru locuine.
Conform evalurilor, n baza datelor prezentate de ctre bncile comerciale, la 31
decembrie 2008 portofoliul creditelor pentru imobil, construcie i dezvoltare era n
mrime de 2,1 mlrd. MDL.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Tabelul 9. Top bnci dup dinamica de cretere a creditelor pentru imobil,


construcie i dezvoltare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12 11 Investprivatbank 10,175 25,560 -15,385 -60.2%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c4500010100000c484c696e6f02100000
6d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004945432073524742000000000
0000000000000000000f6d6000100000000d32d4850202000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000001163707274000001500000003364657363000001840000006c777
47074000001f000000014626b707400000204000000147258595a00000218000000146758595a0000022c000000146258
595a0000024000000014646d6e640000025400000070646d6464000002c400000088767565640000034c0000008676696
577000003d4000000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f707972696768
74202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006465736300000000000000127
35247422049454336313936362d322e31000000000000000000000012735247422049454336313936362d322e31000000
000000000000000000000000000000000000000000000000

14 1 Moldova Agroindbank 160,171 432,084 -271,913 -62.9%

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16 n/a Procreditbank 113,616 n/a n/a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Sursa: Datele bncilor comerciale
Liderul dup ritmul de cretere a creditelor acordate pentru imobil, construcie i
dezvoltare este Comerbank cu o cretere cu 4 539.4% pn la 34.9 mil. MDL.
Poziia a II-a, cu un cuantum de credite acordate de 166.8 mil. MDL i o cretere cu 3
459.7% este ocupat de EuroCreditbank, urmat de Mobiasbanca cu o majorare cu
134.6%, pn la 473.6 mil. MDL.
Dup volumul creditelor acordate pentru imobil, construcie i dezvoltare liderul n
clasamentul bncilor comerciale este Mobiasbanca care a urcat patru poziii n
clasament, i a acordat credite n mrime de 473.6 mil. MDL, cota de pia a bncii

fiind de 22.5%.
Pe poziia secund se claseaz Victoriabank, volumul creditelor acordate de banc,
atingnd 327.7 mil MDL, iar cota de pia 15.6%. Moldinconbank are o cot de pia
de 11.2%, corespunztor volumului de credite acordate de 235.8 mil. MDL. Poziia a
IV-a este ocupat de Banca Comercial Romn, care a urcat 5 poziii n clasamentul
bncilor comercial, cu o cretere a volumului de credite acordate la 172.6 mil. MDL i
cota pieei de 8.2%.
Cotele de pia deinute de ctre principalii juctori ai pieei sunt prezentate n Figura
de mai jos.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Figura 10. Cotele de pia ale bncilor dup valoarea total a creditelor
acordate pentru imobil, construcie i
dezvoltare, 2008

ffd8ffe000104a46494600010201012e012e0
000ffe20c584943435f50524f46494c45000101
00000c484c696e6f021000006d6e747252474
22058595a2007ce000200090006003100006
16373704d534654000000004945432073524
7420000000000000000000000000000f6d600
0100000000d32d4850202000000000000000
000000000000000000000000000000000000
000000000000000000000000000000000000
000000001163707274000001500000003364
657363000001840000006c77747074000001f
000000014626b70740000020400000014725
8595a00000218000000146758595a0000022
c000000146258595a0000024000000014646
d6e640000025400000070646d6464000002c
400000088767565640000034c00000086766

96577000003d4000000246c756d69000003f8
000000146d6561730000040c000000247465
6368000004300000000c725452430000043c0
000080c675452430000043c0000080c625452
430000043c0000080c7465787400000000436
f707972696768742028632920313939382048
65776c6574742d5061636b61726420436f6d7
0616e7900006465736300000000000000127
35247422049454336313936362d322e31000
000000000000000000012735247422049454
336313936362d322e3100000000000000000
000000000000000000000000000000000000
0Mobiasbanca Victoriabank Moldind
conbank BCR ECB MAIB Fincom bank Procreditbank Restul
Sursa: Datele bncilor comerciale

Tabelul 10. Top bnci dup valoarea medie a dobnzilor la creditele pentru imobil,
construcie i mbuntire funciar
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
3
4
5
6
7
8
9

1
3

Banca Social

17.97

16.32

1.65

Banca de Economii

18.17

16.19

1.98

Comerbank

18.25

15.00

3.25

Moldindconbank

18.34

14.24

4.10

Moldova Agroindbank

18.46

16.88

1.58

Fincombank

18.50

17.15

1.35

1
4
1
1
1
2
2

Investprivatbank

19.49

15.30

4.19

1
0

BCR

20.61

18.55

2.06

1
1

Eximbank

20.71

16.28

4.43

1
2

Victoriabank

20.89

18.12

2.77

1
3
1
4
1
5
1
6

n/
a

Procreditbank

21.49

0.00

Unibank

22.39

18.30

4.09

1
5

Eurocreditbank

23.30

14.75

8.55

Universalbank

18.00

0.00

16.57

2.56

Rata medie a dobnzii

19.12

Sursa: Datele bncilor comerciale

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7. TOP Bnci - Dinamica


de extindere a reelei

n conformitate cu datele preliminare a bncilor comerciale numrul total de instituii


la 31/12/2008 este de 1 165, dintre care 302 filiale i 863 reprezentane. n
comparaie cu decembrie anului 2007, reeaua de filiale s-a mrit cu 49 uniti
(19,4%), iar cea de reprezentane cu 41 uniti sau 5,0%.
Cei mai activi pe acest segment au fost cei de la Investprivatbank, care au deschis 20
de uniti poziionndu-se n prezent pe poziia a 10 cu un total de 49 de uniti.
Amintim c, n anul 2008, 35,24% din aciunile bncii au fost obinute de Tabor
Projects Limited, n spatele creia ar putea sta oameni de afaceri notorii din Romnia.
Pentru anul 2009 banca i propune continuarea implementrii unui concept
inovaional, care consolideaz relaia direct cu clienii individuali, stimulnd
satisfacerea ntr-o gam ct mai larg a necesitilor acestora.
Victoriabank i-a mrit reeaua teritorial cu 40% (18 uniti), pn la un total de 63
de filiale i reprezentane pe tot teritoriul republicii. Totui banca nu a reuit s
ndeplineasc programul de extindere pentru 2008 care prevedea dublarea
numrului filialelor i reprezentanelor bncii. n 2007 reeaua bancar a fost extins
cu 45%.

Procredit Bank, a treia clasat ca cretere absolut a numrului de uniti, i-a creat o
reea de 16 reprezentane, n principalele centre raionale. Strategia ProCredit Bank
se concentreaz pe extinderea permanent a reelei actuale de locaii. Banca
intenioneaz sa fie prezent n toate oraele unde exist un potenial de afaceri
ridicat i n plus tinde s ntreasc prezena acolo unde exist deja.
Tabelul 11. Top bnci dup numrul de noi uniti teritoriale deschise*
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c450001010000
0c484c696e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d
5346540000000049454320735247420000000000000000000000000000f6d6000100000000d32d
48502020000000000000000000000000000000000000000000000000000000000000000000000
00000000000000000000000001163707274000001500000003364657363000001840000006c77
747074000001f000000014626b707400000204000000147258595a00000218000000146758595a
0000022c000000146258595a0000024000000014646d6e640000025400000070646d646400000
2c400000088767565640000034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725452430000043c0000080c6
75452430000043c0000080c625452430000043c0000080c7465787400000000436f70797269676
874202863292031393938204865776c6574742d5061636b61726420436f6d70616e79000064657
3630000000000000012735247422049454336313936362d322e31000000000000000000000012
735247422049454336313936362d322e310000000000000000000000000000000000000000000
00000000000
2 9 Victoriabank 63 45 18 40.0% 5.4%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494c4500010100000c484c69
6e6f021000006d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004
9454320735247420000000000000000000000000000f6d6000100000000d32d4850202000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000001163
707274000001500000003364657363000001840000006c77747074000001f000000014626b70740000020
4000000147258595a00000218000000146758595a0000022c000000146258595a0000024000000014646d
6e640000025400000070646d6464000002c400000088767565640000034c0000008676696577000003d40
00000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f
70797269676874202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006
46573630000000000000012735247422049454336313936362d322e31000000000000000000000012735
247422049454336313936362d322e3100000000000000000000000000000000000000000000000000000
0

4 8 Fincombank 65 52 13 25.0% 5.6%


ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d

322e3100000000000000000000000000000000000000000000000000
0000
6 10 Eurocreditbank 37 29 8 27.6% 3.2%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
8 12 Unibank 24 18 6 33.3% 2.1%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
10 2 Moldova Agroindbank 93 89 4 4.5% 8.0%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505

24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
12 15 Comertbank 3 1 2 200.0% 0.3%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
14 13 Universalbank 8 9 -1 -11.1% 0.7%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116

3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
16 1 Banca de Economii 470 485 -15 -3.1% 40.3%
ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f505
24f46494c4500010100000c484c696e6f021000006d6e747252474220
58595a2007ce00020009000600310000616373704d53465400000000
49454320735247420000000000000000000000000000f6d6000100000
000d32d4850202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000116
3707274000001500000003364657363000001840000006c777470740
00001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a000002400000001464
6d6e640000025400000070646d6464000002c4000000887675656400
00034c0000008676696577000003d4000000246c756d69000003f8000
000146d6561730000040c0000002474656368000004300000000c725
452430000043c0000080c675452430000043c0000080c625452430000
043c0000080c7465787400000000436f7079726967687420286329203
1393938204865776c6574742d5061636b61726420436f6d70616e7900
00646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d
322e3100000000000000000000000000000000000000000000000000
0000
Sursa: Datele bncilor comerciale Not*: Uniti teritoriale includ :Filiale,
Reprezentane i Casele de schimba valutar
Liderul incontestabil la capitolul numrului total de uniti este Banca de Economii
care, dei a nchis 15 uniti n 2008, are nc un avans considerabil prin cele 470 de
filiale i reprezentane. Moldova-Agroindbank se claseaz pe poziia secund cu un
total de 93 de uniti, cu 4 mai multe dect la sfritului anului 2007. Banca Social a
ajuns pe poziia a treia, deschiznd anul trecut 12 uniti, avnd n total 71 de uniti.
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c45
00010100000c484c696e6f021000006d6e74725247422058595a2007ce0002000900
0600310000616373704d53465400000000494543207352474200000000000000000
00000000000f6d6000100000000d32d4850202000000000000000000000000000000
0000000000000000000000000000000000000000000000000000000000000000011
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Pe locul patru se afl Energbank, care a deschis doar 2 uniti ns i-a


pstrat poziia datorit avansului acumulat n anii trecui. n top zece n
funcie de reea se mai regsesc Moldindconbank -68 de uniti,
Fincombank -65 de uniti, Mobiasbanca -64 de uniti, Victoriabank
63, Eximbank 59 i Investprivatbank 49 de uniti.
Cu toate c majoritatea bncilor declar i n viitor o extindere masiv
n teritoriu n urmtorii ani ritmul de extindere al reelelor bancare nu
va fi la fel de alert atunci cnd bancherii vor observa c vor trebui sa
scoat destul de multi bani din buzunar.
Figura 11. Cotele de pia deinute de ctre bncile comerciale dup
numrul de uniti, 2008

ffd8ffe000104a46494600010201012e012e0000ffe20c584
943435f50524f46494c4500010100000c484c696e6f02100
0006d6e74725247422058595a2007ce0002000900060031
0000616373704d534654000000004945432073524742000
0000000000000000000000000f6d6000100000000d32d48
50202000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000
00000011637072740000015000000033646573630000018
40000006c77747074000001f000000014626b7074000002
04000000147258595a00000218000000146758595a00000
22c000000146258595a0000024000000014646d6e640000
025400000070646d6464000002c40000008876756564000
0034c0000008676696577000003d4000000246c756d6900
0003f8000000146d6561730000040c00000024746563680
00004300000000c725452430000043c0000080c67545243
0000043c0000080c625452430000043c0000080c7465787
400000000436f7079726967687420286329203139393820
4865776c6574742d5061636b61726420436f6d70616e790
00064657363000000000000001273524742204945433631
3936362d322e31000000000000000000000012735247422
049454336313936362d322e310000000000000000000000

00000000000000000000000000000000BEM MAIB Banca


Social Energbank Moldinconbank Fincom bank Mobiasbanca
Victoriabank Exim bank Restul

Sursa: Datele bncilor comerciale

8. TOP Bnci - Numrul de


bancomate instalate
Moldova Agroindbank, Banca de Economii, Victoriabank i Moldoindconbank dein
mpreun peste 290 de ATM-uri i o cota de pia de aproape 57 la sut. Cele mai
multe bancomate le deine Moldova Agroindbank peste 100 de terminale avnd
astfel i cea mai mare cota de pia, peste 20%. Banca de Economii a instalat 20 de
bancomate noi, deinnd la moment 66 de ATM-uri, fiind urmat de Victoriabank cu
64 i Moldindconbank cu 59 de uniti.
Piata no-cash-money a crescut fa de anul trecut cu aproape 44%, iar 2009 se
ateapt o cretere similar. n total, numrul bancomatelor instalate i aflate n
stare de funcionare din Moldova este de circa 518, din care peste 60% sunt montate
n Capital.
Gradul sczut de bancarizare face ca la ar, bancomatele sa fie aproape inexistente.
n general, n comune i sate, piaa plilor non-monetare este aproape de limita
zero.
De obicei, bancomatele sunt amplasate lng sediile, filialele i reprezentanele
bncilor, precum i n incinta centrelor comerciale, supermarket-urilor, la intrarea n
magazine, acolo unde deci, apare necesitatea pentru consumator de a extrage
numerar pentru efectuarea plilor sau procurarea produselor. Ct privete
rspndirea ATM-urilor n profil teritorial, atunci marea lor majoritate sunt amplasate
n Chiinu, ca i grosul clienilor. ns bncile tot mai mult i ndreapt atenia ctre
raioane, pentru c rezervele de cretere ale portofoliilor de card-uri sunt acolo.
De remarcat este dinamica deosebit pe care o are Investprivatbank n privina
instalrii de bancomate, care, n anul 2008, a instalat cel mai mare numr de
terminale 22 urcnd pe poziia a opta n clasamentul privind numrul total de
bancomate.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52430000043c0000080c675452430000043c0000080c625452430000043c0000080c
7465787400000000436f70797269676874202863292031393938204865776c657474
2d5061636b61726420436f6d70616e79000064657363000000000000001273524742
2049454336313936362d322e3100000000000000000000001273524742204945433
6313936362d322e3100000000000000000000000000000000000000000000000000
0000

Tabelul 12. Top bnci dup numrul de bancomate instalate


ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f46494
c4500010100000c484c696e6f021000006d6e74725247422058595a2007ce0002
0009000600310000616373704d53465400000000494543207352474200000000
00000000000000000000f6d6000100000000d32d4850202000000000000000000
0000000000000000000000000000000000000000000000000000000000000000
00000000000001163707274000001500000003364657363000001840000006c7
7747074000001f000000014626b707400000204000000147258595a0000021800
0000146758595a0000022c000000146258595a0000024000000014646d6e6400
00025400000070646d6464000002c400000088767565640000034c0000008676
696577000003d4000000246c756d69000003f8000000146d6561730000040c000
0002474656368000004300000000c725452430000043c0000080c675452430000
043c0000080c625452430000043c0000080c7465787400000000436f707972696
76874202863292031393938204865776c6574742d5061636b61726420436f6d70
616e790000646573630000000000000012735247422049454336313936362d32
2e31000000000000000000000012735247422049454336313936362d322e3100
0000000000000000000000000000000000000000000000000000
4
3
5
6
7
8
9
1
0
1
1
1
2
1
3
1
5
1
6
1
4

Moldinconbank

59

44

15

Moldova Agroindbank

106

91

15

1
1

BCR

17

12

Victoriabank

64

52

12

Mobiasbanca

22

13

Energbank

17

12

Eximbank

47

44

1
0

Unibank

14

12

Banca Social

33

32

1
2

EuroCreditBank

Fincombank

50

50

1
5

Universalbank

1
4

Comertbank

1
6

Procreditbank

Total

518

402

116

Sursa: Datele bncilor comerciale


Figura 12. Cotele de pia deinute de ctre bncile comerciale dup numrul de
bancomate, 2008

ffd8ffe000104a46494600010201012e012e0000ffe20c584943435f50524f
46494c4500010100000c484c696e6f021000006d6e74725247422058595
a2007ce00020009000600310000616373704d5346540000000049454320
735247420000000000000000000000000000f6d6000100000000d32d485
0202000000000000000000000000000000000000000000000000000000
0000000000000000000000000000000000000000011637072740000015
00000003364657363000001840000006c77747074000001f00000001462
6b707400000204000000147258595a00000218000000146758595a0000
022c000000146258595a0000024000000014646d6e64000002540000007
0646d6464000002c400000088767565640000034c000000867669657700
0003d4000000246c756d69000003f8000000146d6561730000040c00000
02474656368000004300000000c725452430000043c0000080c67545243
0000043c0000080c625452430000043c0000080c7465787400000000436
f70797269676874202863292031393938204865776c6574742d5061636b
61726420436f6d70616e790000646573630000000000000012735247422
049454336313936362d322e31000000000000000000000012735247422
049454336313936362d322e31000000000000000000000000000000000
000000000000000000000Moldova
Agroindbank Banca de Econom ii
Victoriabank Moldinconbank Fincom bank Exim bank
Banca Social Restul
Sursa: Datele bncilor comerciale
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c4500010100000c484c696e6f02100000
6d6e74725247422058595a2007ce00020009000600310000616373704d534654000000004945432073524742000000000
0000000000000000000f6d6000100000000d32d4850202000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000001163707274000001500000003364657363000001840000006c777
47074000001f000000014626b707400000204000000147258595a00000218000000146758595a0000022c000000146258
595a0000024000000014646d6e640000025400000070646d6464000002c400000088767565640000034c0000008676696
577000003d4000000246c756d69000003f8000000146d6561730000040c0000002474656368000004300000000c725452
430000043c0000080c675452430000043c0000080c625452430000043c0000080c7465787400000000436f707972696768
74202863292031393938204865776c6574742d5061636b61726420436f6d70616e7900006465736300000000000000127
35247422049454336313936362d322e31000000000000000000000012735247422049454336313936362d322e31000000
000000000000000000000000000000000000000000000000

9. TOP-urile bncilor Indicatori de eficien

Sistemul bancar a obinut anul trecut un profit total de aproape 1.3 mlrd. MDL, n
cretere cu circa 171 milioane fa de anul precedent, conform datelor bncilor
comerciale.
Din suma total, Moldova Agroindbank i Victoriabank -au realizat mpreuna 40% din
profitul intregului sistem, cu 287, respectiv 226 milioane de lei. Chiar i aa, multe
bnci s-au putut luda cu profituri record, greu de repetat n condiiile creterii
concurenei pe pia.
Cu toate acestea, profitabilitatea sectorului bancar exprimat att prin rentabilitatea
activelor (ROE), ct i prin cea a veniturilor, a sczut comparativ cu situaia din 2007.

Cauza: venitul net a crescut cu numai 15.6%, n timp ce activele bancare s-au
majorat cu 22.8%, iar veniturile totale, cu 35.9%.
n plus, presiunea costurilor, a fost resimit din ce n ce mai mult. Totui, cei doi
indicatori s-au mentinut inca la valori ridicate 3.2%, respectiv 20.4%.
Mai ales n ultimii doi ani, bncile au profitat din plin de apetitul pentru credite al
clienilor persoane fizice, care n-au mai avut rbdare s atepte scderea dobnzilor,
manipulnd n acelai timp dobnzile la depozite astfel nct s-i conserve pe ct
posibil marjele mari de dobnd. i ca urmare cea mai mare parte a profiturilor
nregistrate de bnci -71% -a provenit din venituri din dobnzi.
Rata profitului din sistemul bancar va scdea ns uor fa de nivelurile ridicate
nregistrate n ultimii ani, n raportul asupra stabilitii financiare. Principalele cauze
ar fi tendina de reducere a marjei de dobnd, n principal pe fondul accelerrii
competiiei, creterea necesarului de provizioane ca efect al creterii rapide a
creditrii, intenia bncilor cu activitate de retail de a investi sume considerabile in
dezvoltarea reelelor teritoriale, care sa le apropie de noi clieni.

9.1. TOP Bnci -Rentabilitatea activelor


n cazul rentabilitii activelor (ROA), calculat ca raport dintre venit net i active, se
observ o scdere uoar a nivelului indicatorului, cu 0.2% pn la 3.2%.
Liderii pieei bancare se afl la mijlocul clasamentului bncilor comerciale, astfel,
Moldova Agroindbank a nregistrat o cretere a rentabilitii activelor pe parcursul
anului 2008, de la 3,9% la 3,4%, cu 0,5%.
Victoriabank nregistreaz n anul 2008 o rentabilitate a activelor de 4.2%, n scdere
cu 0,2% fa de anul 2007. Rentabilitatea activelor la Moldinconbank este n scdere
de la la 2,5% la 1.9%, cu 0,6%, astfel ca banca deine poziia a XII-a n clasamentul
bncilor comerciale dup nivelul indicatorului respectiv.
Este de remarcat creterea indicatorului raportat de Eximbank, cu 0.9% pn la
3.0%, banca urcnd astfel patru poziii n clasament. Fincombank a nregistrat o
valoare a indicatorului de 3.3%, n cretere cu 0.7% fa de anul 2007.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Tabelul 13. Top bnci dup valoarea rentabilitii activelor
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2
3
4
5
6
7
8
9
1
0
1
1
1
2
1
3
1
4
1
5
1
6

Banca de Economii

5.9%

6.1%

-0.2%

Victoriabank

4.2%

4.4%

-0.2%

Moldova Agroindbank

3.9%

3.4%

0.5%

Unibank

3.9%

4.2%

-0.3%

BCR

3.6%

4.7%

-1.1%

Energbank

3.5%

3.5%

-0.0%

Fincombank

3.3%

2.6%

0.7%

Eximbank

3.0%

2.1%

0.9%

1
2

Banca Social

2.8%

2.4%

0.4%

Comerbank

2.7%

3.6%

-0.9%

1
1

Moldindconbank

1.9%

2.5%

-0.6%

Mobiasbanca

1.9%

3.5%

-1.6%

1
5

Universalbank

0.9%

1
4

Investprivatbank

0.4%

n/
a

Procreditbank

1
0
1
3

Total

n/a
1.0%
n/a

n/a
3.2%

3.4%

n/a
-0.6%
n/a
-0.2%

Sursa: Datele bncilor comerciale

9.2. TOP Bnci -Rentabilitatea veniturilor

n cazul rentabilitii veniturilor (ROS), care reprezint corelarea dintre venitul net i
veniturile totale obinute, bncile mari din sector au nregistrat reduceri
nesemnificative la acest capitol.
Astfel, Moldova Agroindbank a nregistrat o reducere a rentabilitii veniturilor cu
2,3%, de la 25.6% n 2007 la 23.3% n 2007.
Victoriabank la fel i-a redus rentabilitatea veniturilor de la 30,4% la 26.3, cu 4.1%,
Moldinconbank a nregistrat la rndul su o reducere a rentabilitii veniturilor cu
7.3%, pn la 11.8% n anul 2008.
Pe fondalul reducerii generale a indicatorului, putem meniona creteri nregistrate
de Eximbank, cu 4.3% pn la 22.7%, Banca Social cu 0.9% pn la 16.4% i Banca
de Economii cu 1.7% pn la 31.5%.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Tabelul 14. Top bnci dup valoarea rentabilitii veniturilor

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2

BCR

32.6%

47.0%

-14.4%

3
4
5
6
7
8
9
1
0
1
1
1
2
1
3
1
4
1
5
1
6

Banca de Economii

31.5%

29.8%

1.7%

Victoriabank

26.3%

30.4%

-4.1%

Comerbank

25.5%

34.1%

-8.6%

Moldova Agroindbank

23.3%

25.6%

-2.3%

1
2

Eximbank

22.7%

18.4%

4.3%

Unibank

21.6%

24.5%

-2.9%

Energbank

20.3%

24.5%

-4.2%

1
1

Fincombank

18.3%

18.7%

-0.4%

1
3

Banca Social

16.4%

15.5%

0.9%

Mobiasbanca

12.9%

21.7%

-8.8%

1
0

Moldindconbank

11.8%

19.1%

-7.3%

1
5

Universalbank

5.4%

n/a

1
4

Investprivatbank

2.6%

8.1%

n
/
a

Procreditbank

n/a

n/a

20.4%

23.9%

Total

n/a
-5.5%
n/a
-3.5%

Sursa: Datele bncilor comerciale

9.3. TOP Bnci -Viteza de rotaie a activelor


Ultima parte a analizei financiare este rotaia activelor corelarea dintre volumul
veniturilor realizate i valoarea activelor.
La acest capitol este remarcabil creterea cu 28.5% nregistrat de
Investprivatbank, care la sfritul anului 2008 a atins cota de 0,162. Fincombank a
nregistrat o majorare cu 28.4% a rotaiei activelor, de la 0,139 la 0,178. Creterea
indicatorului respectiv cu 25.8% este nregistrat de Moldova Agroindbank, astfel
nct nivelul acestuia la sfritul anului 2008 constituie 0,169.
n cazul Victoriabank are loc o cretere a indicatorului de la 0,143 la 0,158, cu 10.6%,
acelai fenomen se observ i la Moldinconbank unde creterea este de 23.0%, pn
la 0,161 la sfritul anului 2008.
Eximbank nregistreaz o rat de 0,134 cu 17.6% mai mult dect n anul 2007,
explicaia se regsete n viteza de cretere mai mare a activelor comparativ cu
veniturile bncii, pe seama aporturilor suplimentare masive n capitalul social al
bncii fcute de unicului su acionar Veneto Banca.
ffd8ffe000104a46494600010201011e011e0000ffe20c584943435f50524f46494c45
00010100000c484c696e6f021000006d6e74725247422058595a2007ce0002000900
0600310000616373704d53465400000000494543207352474200000000000000000
00000000000f6d6000100000000d32d4850202000000000000000000000000000000

0000000000000000000000000000000000000000000000000000000000000000011
63707274000001500000003364657363000001840000006c77747074000001f00000
0014626b707400000204000000147258595a00000218000000146758595a0000022c
000000146258595a0000024000000014646d6e640000025400000070646d64640000
02c400000088767565640000034c0000008676696577000003d4000000246c756d69
000003f8000000146d6561730000040c0000002474656368000004300000000c7254
52430000043c0000080c675452430000043c0000080c625452430000043c0000080c
7465787400000000436f70797269676874202863292031393938204865776c657474
2d5061636b61726420436f6d70616e79000064657363000000000000001273524742
2049454336313936362d322e3100000000000000000000001273524742204945433
6313936362d322e3100000000000000000000000000000000000000000000000000
0000

Tabelul 15. Top bnci dup vitez de rotaie a activelor

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4

Unibank

0.182

0.171

0.011

Fincombank

0.178

0.139

0.039

Universalbank

0.174

0.217

-0.043

Banca Social

0.171

0.157

0.014

Energbank

0.170

0.141

0.029

Moldova Agroindbank

0.169

0.134

0.035

Investprivatbank

0.162

0.126

0.036

1
1

Moldindconbank

0.161

0.131

0.030

23.0
%

1
1

Victoriabank

0.158

0.143

0.015

10.6
%

1
2

Mobiasbanca

0.147

0.162

-0.015

-9.4%

1
3

Eximbank

0.134

0.114

0.020

17.6
%

3
4
5
6
7
8
9
1
0

1
3

1
0
1
2

6.6%
28.4
%
19.6
%
9.0%
20.8
%
25.8
%
28.5
%

1
4
1
5
1
6

n/
a

Procreditbank

0.112

n/a

1
5

BCR

0.109

0.101

0.008

8.1%

1
4

Comerbank

0.104

0.107

-0.003

-2.7%

0.159

0.144

0.015

10.7%

Total

n/a

n/a

Sursa: Datele bncilor comerciale

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