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Vladimir Munteanu, prim-viceguvernator
A doua zi de miercuri a lunii: 14:00-16:00.
Telefon: +373 22 822 606.
Tatiana Ivanicichina, viceguvernator
A treia zi de miercuri a lunii: 14:00-16:00.
Telefon: +373 22 822 607.
Constantin Șchendra, viceguvernator
A patra zi de miercuri a lunii: 14:00-16:00.
Telefon: +373 22 822 607.
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Cele mai populare rapoarte statistice:
Banca Naţională şi membrii organelor de conducere ale acesteia sunt independenţi în exercitarea atribuţiilor stabilite de lege şi nu pot solicita şi nici accepta instrucţiuni de la autorităţile publice sau de la orice altă autoritate.
Banca Naţională informează publicul despre evoluția inflației anuale, strategia de politică monetară,rezultatele analizei macroeconomice, evoluţiei pieţei financiare şi informaţia statistică, inclusiv privind masa monetară, acordarea creditelor, balanţa de plăţi şi situaţia pieţei valutare.
Pentru asigurarea şi menţinerea stabilităţii preţurilor pe termen mediu, Banca Naţională a Moldovei menţine inflaţia (măsurată prin indicele preţurilor de consum) la nivelul de 5.0 la sută anual cu o posibilă abatere de ± 1.5 puncte procentuale, fiind considerat nivelul optim pentru creşterea şi dezvoltarea economică a Republicii Moldova pe termen mediu.
Stabilitatea financiară se realizează prin consolidarea rezilienței sistemului financiar, limitarea efectului de contagiune și diminuarea acumulării de riscuri sistemice, contribuind, astfel, la sustenabilitatea sectorului financiar și creșterea economică.
Banca Naţională a Moldovei, are dreptul exclusiv de a emite pe teritoriul Republicii Moldova bancnote şi monede metalice ca mijloc de plată. BNM pune în circulaţie bancnote şi monede metalice, prin intermediul sistemului bancar.
Banca Naţională este unica instituţie care efectuează licenţierea, supravegherea şi reglementarea activităţii instituţiilor financiare.
Banca Națională supraveghează sistemul de plăţi în Republica Moldova şi promovează funcţionarea stabilă şi eficientă a sistemului automatizat de plăţi interbancare.
Banca Naţională este o persoană juridică publică autonomă şi este responsabilă faţă de Parlament.
BNM publică statistici privind masa monetară, sectorul bancar, balanța de plăți, situația pieței valutare, etc. pentru a asigura transparența în procesul de elaborare și adoptare a deciziilor BNM, a asigura continuitatea în comunicare și predictibilitatea BNM pe piață, pentru sporirea credibilității BNM în calitate de bancă centrală dar și pe piața financiar-bancară din Republica Moldova.
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Domestic and foreign currency loans accounted for 60.9% and 39.1%, respectively, of total loans extended.
Domestic currency loans totalled MDL 1,511.6 million (-12.8% compared to the previous month or +14.7% compared to July 2017).
Foreign currency loans2, recalculated in MDL, totalled MDL 969.2 million (+11.3% compared to the previous month or +28.0% compared to July 2017).
In terms of maturity, loans with maturity ranging from 2 to 5 years recorded highest demand (41.0% of total loans extended), out of which the largest share of 28.0% was held by legal entities loans.
Domestic currency loans were mainly represented by loans extended to non-financial corporations, holding a share of 51.7% (of which 55.1% accounted for trade companies), and individuals’3 (44.0%).
Foreign currency loans were mainly extended to non-financial corporations (96.5%), of which trade companies accounted for the largest share (47.0%).
Average interest rate on domestic currency loans decreased by 0.05 pp. compared to June 2018, recording levels of 7.95% (individuals’) and 9.23% (legal entities loans).
Average interest rate on foreign currency loans increased by 0.11 pp. compared to June 2018, recording levels of 6.73% (individuals’) and 4.79% (legal entities loans).
Year-on-year, average interest rates on loans recorded a total decrease of 1.33 pp. (domestic currency loans) and 0.13 pp. (foreign currency loans).
Domestic currency loans with maturity ranging from 2 to 5 years recorded highest demand in the reporting month and were extended at an average interest rate of 8.45% (9.15% on legal entities loans, 7.59% on individuals’).
The highest average interest rate was applied on individuals’ with maturity of up to 1 month (12.60%) and legal entities loans with maturity ranging from 3 to 6 months (10.90%).
Foreign currency loans with maturity ranging from 1 to 2 years recorded the highest average interest rate of 4.76%. Individuals’ were extended at an average interest rate of 7.97%, legal entities loans – at 4.71%.
Average lending interest rates, July 2018 (%)
In terms of maturity, the highest demand was recorded for deposits placed for a period ranging from 6 to 12 months (51.0% of total term deposits). The largest share was held by retail deposits (40.2% of total deposits placed).
Domestic currency deposits accounted for a share of 59.0%, while foreign currency deposits - 41.0%
In July 2018, deposits were mainly represented by retail deposits – 74.2% (of which 44.8% - domestic currency deposits and 29.4% - foreign currency deposits).
Domestic currency deposits totalled MDL 1,521.21 million (decreasing by 5.0% compared to June 2018 and by 40.5% compared to July 2017).
Foreign currency deposits, recalculated in MDL, totalled MDL 1,057.4 million (+24.2% compared to July 2018 and -8.6% compared to July 2017).
Average interest rate on new term deposits in domestic currency decreased by 0.14 pp. compared to the previous month. Retail deposits were placed at an average interest rate of 4.65%, while corporate deposits – at 3.76%.
The average interest rate on new term deposits in foreign currency increased by 0.23 pp., compared to June 2018. Retail deposits were placed at an average interest rate of 0.86%, while corporate deposits – at 1.84%.
Year-on-year, average deposit interest rates decreased. Thus, average interest rate on domestic currency deposits decreased by 0.80 pp. (retail deposits - by 1.34 pp., corporate deposits - by 0.54 pp.). Average interest rate on foreign currency deposits decreased by 0.49 pp. (retail deposits - by 0.73 pp., corporate deposits - by 0.08 pp.).
Deposits with maturity ranging from 6 to 12 month, which recorded highest demand in the reporting period, were placed in domestic currency at an average interest rate of 4.60% (retail deposits – 4.84%, corporate deposits – 3.54%) and in foreign currency at an average interest rate of 0.83% (retail deposits – 0.83%, corporate deposits – 0.83%).
The highest average interest rate on domestic currency deposits was recorded for retail deposits with maturity of over 5 years (6.32%) and corporate deposits with maturity from 2 to 5 years (5.00%).
The highest average interest rate on foreign currency deposits was recorded for retail deposits with maturity of over 5 years (2.31%) and corporate deposits with maturity from 1 to 2 years (2.48%).
Average deposit interest rates, July 2018 (%)
Bank interest margin on domestic currency operations increased by 0.09 pp. compared to the previous month and by 0.53 pp. compared to July 2017.
Bank interest margin on foreign currency operations decreased by 0.13 pp. compared to the previous month and increased by 0.36 pp. compared to July 2017.
1 The data are presented according to the Guidelines on Preparation and Presentation of Reports on Interest Rates applied by banks in the Republic of Moldova, approved by the Decision of the Executive Board of the NBM no. 331 of 01 December 2016, which were published in the Official Monitor of the Republic of Moldova no.441-451 of 16 December 2016, with subsequent amendments and completions.
2 As of January 1, 2018, the foreign currency-linked loans were moved from the class of domestic currency loans to foreign currency loans. According to July 2018 data as compared to July 2017: total in MDL – 8.61%; total in foreign currency - 4.80%.
3 Including economically active individuals.
Bulevardul Grigore Vieru nr. 1,
MD-2005, Chişinău, Republica Moldova
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