Banca de Economii is an universal commercial bank, with the oldest bank traditions in the Republic of

Moldova and with an image of integrity and conformity on the banking market.
Now the Banca de Economii has more than 537 organization departments throughout the country, and
thus occupies the first place among the banks of the Republic of Moldova, according to the size of its
territorial network.

A brief history

Banca de Economii - a time-tested quality

The history of Banca de Economii S.A. begins on November 11, 1940, when the Supreme Soviet
Presidium of the Moldovan SSR issued a decree which established 7 county divisions of the State
Savings Bank: in Chisinau, Balti, Cahul, Bender, Orhei, Soroca, and Tiraspol.
With the reorganization of the financial and banking system in 1987, the State Banks for Earned Savings
acquired the status of the Bank for Earned Savings and Loans to Population which was later changed into
the Republican Bank of Moldova, a subdivision of the State Savings Bank of the USSR.
In 1992, the Republican Bank of Moldova under the Savings Bank of the USSR was reorganized as the
Savings Bank of Moldova, thus becoming a state-owned joint-stock commercial bank.
Today, being part of the top most powerful banks in Moldova, Banca de Economii S.A. means:

The largest banking network in Moldova

The bank network includes 37 branches and 537 agencies in more than 370 places all over Moldova,
accounting for about 60% of the banking presence in the territory. It also has the largest network of
exchange offices in all the administrative areas of the Republic.

The most automated bank in Moldova

Banca de Economii is an unique bank in Moldova, as it works in the on-line environment. The BE
branches and agencies, connected to an unique system of monitoring and data transfer, process all the
transactions in real time. The continuous development of banking technologies made it possible to
release new sophisticated products and technologies, such as Internet-banking, SMS-banking, and the
Client/Bank System.

The highest standards in the system of local and international payments

The informational technologies used by Banca de Economii enable it to conduct operations at top speed,
both in Moldova (through the territorial network and the MoldovaExpress system) and worldwide (SWIFT),
assuring the shortest possible duration of transactions from the technical point of view. Being a principal
agent of the Western Union system, Banca de Economii ensures the most convenient, fastest, and safest
way to transfer money from abroad.

International debit and credit cards

Banca de Economii issues international debit and credit cards under the aegis of the international
payment system Europay (CirrusMaestro, MasterCard, BusinessCard, GoldCard). At present, over
171,500 clients hold their cards from Banca de Economii.
RETAIL Banking system
The activities of Banca de Economii are traditionally oriented to retail operations. Currently, the bank is
among the leaders in this area, including all the types of collection, payment, distribution, transfer, etc.

Modern Bank Management

The bank management and the high-skilled staff have contributed a lot to successful attainment of the
strategic and current objectives of the bank.

The Joint Stock Company Banca de Economii offers the following types
of services via its branches:

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acceptance of deposits (on term or at demand etc.) with or without the interest rate;
granting of credits (consumptions and morgage, factoring with or without regression right, financing of
commercial transactions, issuance of warranties and bails, etc.);
providing services of clearing and incasso;
financial leasing;
purchase and sale of money (including foreign currency exchange);
providing credit services;
foreign currency operations, including the purchase and sale of foreign currencies via transfers to individuals
and juridical persons, in the limits set by the External Relations and Exchange Operations Department;
opening and management of accounts;
check operations (purchase of nominative checks, purchase and sale of traveler checks);
providing services on the securities market via the Treasury Department;
providing services of keeping, cashing and transportation of money and values;
contracts of issuance and service of banking cards;
providing services of money transfers via international money transfers, in accordance with the contracts
signed by the Bank;
acceptance of payments in favor of beneficiaries (utilities, State taxes, etc.);
social payments (compensations, etc.) in accordance with the internal regulations of the Bank;
any other financial activity allowed by the National Bank of Moldova according to the internal regulations;