Maib

What Maib does

Maib (legal name BC MAIB SA, formerly Moldova Agroindbank) is Moldova's largest commercial bank, founded in 1991 and headquartered in Chișinău. The bank commands 38.2% of total banking system deposits and 37.7% of credits in Moldova as of Q1 2026, serving approximately half of the country's population through a network of branches, ATMs, and digital platforms. Its customer base spans retail individuals, SMBs, large corporates, agricultural enterprises, and government entities including treasury and customs operations. Maib employs over 2,500 people, making it one of Moldova's largest private employers.

The bank operates a multi-platform digital banking architecture comprising the maibank mobile application for retail customers, the maib business platform for legal entities, and the legacy BankFlex corporate banking system. It also operates the Alto sub-brand for premium cards (Visa Platinum, Mastercard World Elite) and maib pay for digital payments. The technology stack includes integrations with Apple Pay, Google Pay, Garmin Pay, SWIFT, SEPA, Mastercard, Visa, Western Union, and mobile signature providers Orange and Moldcell. In June 2025, Maib partnered with Tuum to deploy a cloud-native modular core banking platform enabling greenfield digital retail banking expansion into European markets, with Romania as the first market.

Maib generates revenue through interest income on consumer loans (Espresso at 28.76% effective annual rate), mortgages up to 7,000,000 MDL, and equipment financing at 5.1% annual fixed rate, supplemented by transaction fees (Standard Module CIB at 50 lei/month), deposit taking (up to 5.50% annual rate), corporate bond issuance (fourth program at 6.96% fixed), and digital banking subscription fees. The bank is publicly listed on the Moldovan stock exchange, majority-owned since 2018 by a consortium of EBRD, Invalda INVL, and Horizon Capital. Maib reported 2025 net profit of 1,958.9 million MDL with a 0.9% NPL ratio and 20.0% capital adequacy ratio, demonstrating strong asset quality and capitalization.

Name

Maib

Legal name

BC "MAIB" SA

Website

https://maib.md

Company type

Public

Founded year

1991

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Maib is Moldova's largest commercial bank, serving approximately half the population with 38.2% deposit and 37.7% credit market share. It offers retail, SMB, corporate, agricultural, and government banking through branches, digital platforms, and European expansion via Romania.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

General SME & Middle-Market Commercial Banking (FSABABAA), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Distributor & Dealer Finance (Channel Financing) (FSABAHAE)

Keywords

• Retail banking
• Consumer lending
• Digital banking
• SME financing
• Payment services

Headquarters

HQ city

Chisinau

HQ country

Moldova

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest charged on loans including consumer loans (Espresso), mortgages, credit cards, and business financing. Interest rates vary: Espresso loans at 28.76% effective annual rate, mortgages up to 7,000,000 MDL, equipment financing at 5.1% annual fixed rate
2. Transaction and Commission Fees: Fees from payment processing, international transfers, account management, card transactions, and banking services. Standard Module CIB: 50 lei/month, Extended Module CIB: 70 lei/month, Salary Project Module: 25 lei/month
3. Deposit Taking: Attracting customer deposits with interest rates up to 5.50% annual fixed on deposits ranging from 30 to 1095 days
4. Corporate Bonds: Corporate bond issuance programs. Fourth public offering program with fixed rate of 6.96% for the first year
5. Digital Services: Fees for internet banking platforms, electronic statements, merchant services, and digital payment processing

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels7 records

Core offering

Maib is Moldova's largest commercial bank providing universal banking services: retail banking products (current accounts, deposits, debit/credit/premium cards, consumer and mortgage loans) for individuals, and SME and corporate banking products (current accounts, business packages, equipment leasing, trade finance, payment services) for legal entities. The bank distributes these offerings through a national branch network and dedicated digital channels — the maibank mobile app for consumers and the maib business online platform for companies — supplemented by payment, card, merchant acquiring, capital markets, and insurance brokerage services.

Product overview

Maib (Moldova Agroindbank) operates as Moldova's largest banking group with a multi-platform digital banking architecture. The retail segment is served through the maibank mobile app and Internet Banking for individuals, while business customers access services via the maib business platform (internet and mobile) and the legacy BankFlex corporate banking system. Credit offerings span consumer loans (Espresso, Refinance, GEFF green loans, mortgages), business lending (equipment financing, working capital, factoring), and green energy financing. Card products include debit, credit, salary, social, digital, and premium cards (through Alto sub-brand) across Mastercard and Visa networks. Payment services cover domestic instant transfers (including MIA), international SWIFT and SEPA transfers, P2P, and contactless mobile payments via Apple Pay, Google Pay, and Garmin Pay. Investment services include corporate bonds, capital market access, and state securities. Additional services encompass insurance distribution (including integrated consumer loan insurance with Donaris VIG), merchant services, e-statements, urban payment solutions, and private banking. The bank is expanding into Europe through a Tuum-powered core banking platform, with Romania as the first market.

Differentiator

Problem solved

Functional benefit

Brands

• alto: Premium banking services and premium card products
• maibank
• maib business

Products and services

• Maibank Mobile Banking Application Maib's dedicated mobile banking application for individual retail customers, enabling them to open accounts, view balances, make instant P2P transfers, pay utility bills, apply for consumer loans, manage debit/credit/premium cards, tokenize cards to digital wallets, and access self-service banking from iOS and Android devices.
• Maib Business Online Banking Platform
• BankFlex Internet Banking
• Credit Espresso (Consumer Loan)
• Mortgage Loans (Credit Ipotecar)
• Consumer Loans with Collateral (Credit de consum cu gaj)
• Refinance Loans (Credit Refinantare)
• GEFF Green Economy Financing Loans
• Term Deposits (Retail)
• Salary Cards
• Social Cards
• Debit and Credit Cards (Standard)
• Alto Premium Cards
• Maib Private Banking
• Business Banking Packages
• Equipment Credit / Maib Leasing
• Agricultural Lending via Dealers
• Salary Project (Corporate Payroll)
• Trade Finance (Letters of Credit and Guarantees)
• International Money Transfers (SWIFT and SEPA)
• Quick Transfers (P2P Service)
• Maib Pay Merchant Acquiring
• Capital Markets Services (State Securities and Corporate Bonds)
• Insurance Brokerage Services
• Urban Projects Financing

Quantifiable outcome

• Market share: 38.2% deposits, 37.7% credits
• +4 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered minor, core and major.

• UNICEF MoldovaminorStrategic or Co-development Partner · 29 April 2026UNICEF and Maib partnered to establish the first nursery in Hîncești, Moldova, offering 20 places for children aged 1.6 to 3 years. The initiative was funded by local public authority (renovation) and Maib (equipment). Part of UNICEF's Business Advisory Board platform stimulating private sector involvement in social infrastructure.
• TuumcoreTechnology or Integration · 27 June 2025Tuum, a core banking platform provider, partnered with Maib to power its digital banking expansion across Europe. Maib selected Tuum for its advanced modular architecture, cloud-native design, and agnostic deployment capabilities, enabling in-country deployment for compliance with European data residency regulations. The agreement allows Maib to launch greenfield operations under an asset-light model designed to deliver a fully digital retail banking experience in new markets, first launching in Romania.
• Agropiese TGRcoreChannel Partner/ Reseller/ DistributorAgropiese TGR is one of the main agricultural equipment suppliers in Moldova, offering farmers machinery, spare parts, components, and service solutions. Through the partnership, farmers can access Maib financing for tractors, headers, seeders, trailers, and other agricultural equipment with approval in 2 hours, 5.1% annual fixed rate, and up to 2,500,000 MDL without collateral.
• 80+ Agricultural Equipment DealersmajorChannel Partner/ Reseller/ DistributorExtensive network of agricultural equipment partners including AgroMotor, Agromax, Agroprofi, Estagroteh, Elit Tehnica, Propac, Protehagro, Ozonteh, AgroTrac Prim, Agro Mester HD, Carvidon Service, Emteh agro, and others providing farmers access to diverse equipment with Maib financing options.
• Vienna Insurance Group / Donaris VIGmajorStrategic or Co-development PartnerStrategic partnership for consumer credit insurance integrated into maibank. Joint events celebrating Moldova-Austria partnership. Insurance claims can be declared and tracked directly in maibank app. Developed innovative insurance product for consumer credit protection.
• MastercardmajorGTM or Marketing PartnerCard network partnership with promotions including UEFA Champions League finals trips and cardholder benefits. Maib Mastercard holders have participated in national finals competitions.
• VisamajorGTM or Marketing PartnerCard network partnership with promotions including Grand Prix Madrid travel benefits and special offers for Paris and London. Visa cardholders receive exclusive discounts and travel packages.
• Hîncești City HallminorStrategic or Co-development PartnerLocal government partner in UNICEF nursery project, providing renovation funding for kindergarten No. 4 'Andrieș' in Hîncești.
• NGA AccountancyminorImplementation/ SI/ Consulting PartnerPartnership for end-of-year financial seminars helping businesses understand their numbers, improve decisions, and develop operations.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Moldindconbank: One of the largest Moldovan banks competing head-to-head with Maib across retail deposits, SME lending, and corporate banking in the Moldovan market.
• ProCredit Bank Moldova: Moldovan subsidiary of the Germany-based ProCredit group, focused on SME and agricultural lending. Closely comparable business mix to Maib's equipment financing and SME banking.
• Victoriabank: Major Moldovan commercial bank with strong retail and corporate presence, controlled by Banca Transilvania; a direct domestic peer competing with Maib for Moldovan deposit and credit share.
• Raiffeisen Bank Moldova: Local subsidiary of Raiffeisen Bank International, providing retail, SME, and corporate banking in Moldova. Directly competes with Maib and shares European governance standards.

Others

• Tuum: Cloud-native modular core banking platform provider; Maib's strategic technology partner for European expansion. Comparable as the enabler of Maib's pan-European digital banking strategy.

Regional players

• Banca Comercială Română (BCR): Top-three Romanian bank owned by Erste Group, offering full-service retail, SME, and corporate banking. A likely direct competitor for Maib's Romanian entry and comparable in product breadth and digital banking investment.
• Banca Transilvania: Largest bank in Romania and leading SEE franchise; most directly comparable competitor as Maib enters the Romanian retail market via Tuum. Comparable in scale ambition, digital strategy, and SME focus.
• OTP Bank: Hungarian-headquartered CEE banking group with significant presence across Romania, Moldova, and the Balkans. Comparable as a multi-country CEE banking franchise pursuing digital transformation.

Emerging players

• TBC Bank: Georgian market leader with strong digital franchise expanding into Uzbekistan; comparable as a digital-forward, dominant domestic bank in an emerging market pursuing international expansion.
• Bank of Georgia: Leading Georgian bank (part of BGEO/Georgia Capital) with a strong digital platform and SEE/CIS expansion ambitions; comparable in being a top domestic franchise in a frontier/emerging European market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCCWcd1e2IhNZlFtFJ64wfdw
• Facebookfacebook.com/www.maib.md
• LinkedInlinkedin.com/company/moldovaagroindbank
• Instagraminstagram.com/maib_md
• Xx.com/_MAIB_

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Maib