In December 2025, new loans1 granted amounted to MDL 7,785.0 million, increasing by 12.3% as compared to the previous month (Infographic 1). Domestic currency loans represent 79% of the total granted loans, equal to MDL 6,148.3 million, increasing by 23.5% as compared to November 2025.
Infographic 1. Developments in new loans granted
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In terms of maturity, the largest share was held by loans with maturity ranging from 2 to 5 years - 58.9% in the total amount of new loans granted. The share of these loans granted to businesses represented 40.5% of the total amount of loans granted.
The average nominal interest rate on new domestic currency loans as compared to the previous month increased by 0.03 percentage points (p.p.) to the value of 9.09%, while the average interest rate on foreign currency loans decreased by 0.08 p.p. reaching 5.26%.
In December 2025, individuals contracted new loans amounting to MDL 2,398.8 million, increasing by 9.6% as compared to the previous month, the largest share (60.0%) representing consumer loans (Infographic 2). The largest part of consumer loans granted to individuals (MDL 1,281.8 million) was granted in domestic currency with a maturity ranging from 2 to 5 years.
Infographic 2. New loans granted to individuals
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Mortgage loans represent a share of 39.4% of the total new loans granted to individuals and were granted mainly in domestic currency.
The average interest rate on consumer new loans granted in domestic currency increased by 0.14 p.p. to 11.17%. The average interest rate on mortgage loans granted in domestic currency increased by 0.10 p.p. to 8.24%.
In the reference month, loans granted to businesses amounted to MDL 5,205.9 million, increasing by 13.2% compared to the previous month.
The majority (87.5%) of total new loans granted to businesses was contracted by non-financial commercial companies, which accounted for 58.5% of the total new loans granted in December 2025.
The average interest rate on domestic currency loans granted to businesses increased by 0.06 p.p. to 8.42% and the average interest rate on foreign currency loans decreased by 0.09 p.p. to 5.25%.
Infographic 3. New loans granted to businesses
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infographic [4]:
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Developments in DEPOSITS markets in December 2025 [5]
Statistical data [6]
1. The press release is made based on the data reported according to the Instruction on the compilation and dissemination reports regarding the interest rates applied by the Moldovan banks, approved by the Decision of the Executive Board of the NBM No 331/2016. The definitions used in the press release, especially the definitions of new loans, businesses, individuals and individuals performing an activity have the meaning from the above-mentioned Instruction.
Note: In the charts the aggregated data may not match the sum of components due to the mathematical rounding.