Instruction on the Compilation and Submission by Banks of Primary Reports to Identify and Supervise Credit Risk, NBM Decision No. 54 of March 9, 2016

Skip to main content

Accessibility options

Visual aid

Oversize widget

Contrast High

Contrast Low

Contrast Default

Invert Partial

Invert Full

Invert Default

Animation Disable

Font Opendyslexic

Font Comic Sans/Neue

Font Readable

Font Default

Cursor Small

Cursor Medium

Cursor Large

Cursor Default

×

Do you have good eyesight and want to turn this tool off?

Interactive database

Career

Română

English

Русский

Contacts

Audience

Petition and requests for access to information

Postal Address: 1 Grigore Vieru Avenue, MD-2005, Chisinau, Republic of Moldova.

Working hours: Monday - Friday / 8 AM - 5 PM.

Official exchange rate of Moldovan Leu:

• 373 22 205 000 (voice mail 24/24) .

Chancellery:

+373 22 822 370 ;

+373 22 822 369 ;

official@bnm.md ;

secretariat@bnm.md .

Antechamber:

+373 22 822 607 ;

+373 22 822 608 .

Specialized anti-corruption line:

• 373 22 822 501 .

Complaints against foreign exchange entities:

• 373 22 822 502 .

Information on licensing foreign exchange units:

• 373 22 822 351 ;

• 373 22 822 189 ;

Portalul WEB al BNM – crm.bnm.md .

Information on obtaining authorizations according to the Law on Foreign Exchange Regulation:

• 373 22 822 351 ;

• 373 22 822 189 .

Information on notification of private external commitments:

• 373 22 822 489 ;

notificatii@bnm.md ;

crm.bnm.md

Relations with Mass Media:

+373 60668876 ;

+373 22 822 440 ;

press@bnm.md .

Acquisitions:

+373 22 822 622 ;

achizitii.contracte@bnm.md .

Employment:

+373 22 822 158 ;

+373 78 881 488 ;

recrutare@bnm.md .

Schedule of reception of citizens by the Executive Board of the National Bank of Moldova. The registration of applicants for an audience is carried out based on a written request on the subject addressed.

Anca Dragu, Governor

1st Wednesday of the month: 14.00-16.00.

Petru Rotaru, First Deputy Governor

2nd Wednesday of the month: 14.00-16.00.

Tatiana Ivanicichina, Deputy Governor

3rd Wednesday of the month: 14.00-16.00.

Constantin Șchendra, Deputy Governor

4th Wednesday of the month: 14.00-16.00.

Mihnea Constantinescu, Deputy Governor

5th Wednesday of the month: 14.00-16.00.

Please, note the requirements for receiving and examining petitions and requests for access to information of public interest addressed to the National Bank of Moldova! Details

Menu

Welcome to the

official website of

the National Bank of Moldova !

Presentation of the information

Information search

Information filtering

Customization of the informational content of the page

Marking the information

Submission of proposals on the drafts of normative acts published for public consultation

Access of interactive database with dynamically represented statistics

If

you want to send

a message ( question or

suggestion )

on- line , go to section

"Feedback "

from the main menu

at the top

of the website .

You can choose one of the most popular reports from the list:

NBM Interactive Database

Reset

Search

Main activities

Monetary Policy

About the monetary policy of the National Bank of Moldova

Monetary policy decisions

Inflation Report

The evolution of inflation rate

Monetary policy instruments

Rates and indicators evolution

Annual Report

Technical boxes

Stabilitatea financiară

Decisions of the National Financial Stability Committee

Press releases on the establishment of the CCyB rate

Activities in the field of sustainable finance

Bank lending survey

Residential Real Estate Price Index (RPPI)

Normative acts

National currency

Banknotes

Coins

Press releases

Commemorative coins

Financial Markets

Monetary market

Foreign Exchange Market

Central Securities Depository

Normative acts regarding the Single Central Depository

State securities market

Normative acts

Supervision banks

Banking supervision

Normative acts

Press releases

Press releases on Twinning project

Press releases on transition to BASEL III

Bank resolution

Releases related to the resolution

On early intervention to the BC „ENERGBANK” S.A.

On early intervention to the BC „Moldindconbank” S.A.

On intensive supervision (special supervision) to the Banca comercială „MOLDOVA - AGROINDBANK” S.A.

Press releases on Kroll and Steptoe & Johnson investigation

Information on the liquidation process of Banca de Economii S.A., BC "BANCA SOCIALĂ" S.A. and B.C. "UNIBANK" S.A.

Supervision non-bank lending

Supervision insurance market

Payment System

Payment system supervision

Single Euro Payments Area (SEPA)

Normative acts

National campaign: 'Cashless payments. Simple. Convenient. Safe'

Preventing fraud and attempted fraud

AML/ CFT

European integration and international relations

Statistics

International accounts statistics

Monetary statistics

Foreign exchange market statistics

Interactive database

About NBM

Corporate Governance

Objectives, values and general information about the NBM

Balance sheet of NBM

Financial Statements of the NBM

Statement of comprehensive result of the NBM

Annual budgeted expenditure

Other activities

Press releases

Evolution of monetary indicators

Supply and demand in the foreign exchange market

Evolution of official reserve assets

The evolution of inflation rate

Monetary policy decision

Credits and deposits market development

Balance of payments of the Republic of Moldova

The financial situation of the banking sector

Balance sheet of NBM

Statement of comprehensive result of the NBM

Situațiile financiare semianuale neauditate ale BNM

Situațiile financiare anuale auditate ale BNM

Annual budget of the NBM

International Investment Position

External debt

The evolution of international accounts of the Republic of Moldova

Money transfers from abroad made in favour of individuals through banks of the Republic of Moldova (net settlements)

International accounts of the Republic of Moldova

Cash Foreign Exchange Market

Non-cash Foreign Exchange Market

Aggregate FX position on the banking system

NBM's activity on the interbank market

Technical box

Announcements

Evolution of the volume of cash operations

The capital buffers rates

Twinning 2021

Sectoral balance sheets

The financial situation of the insurance sector

Report on ensuring transparency in the decision-making process

Sondajul cu privire la creditarea bancară

Financial accounts of the Republic of Moldova (experimental data)

Meeting of the National Committee on Financial Stability

Publications

Inflation Report

Annual Report

Statistical yearbook "International accounts of the Republic of Moldova"

International accounts of the Republic of Moldova

Report on the Supervision of the Payment System of the Republic of Moldova

Financial stability report

Report on the financial market infrastructure monitoring results

Sectoral balance sheets

Financial accounts of the Republic of Moldova (experimental data)

Quarterly financial stability assessment reports

Raportul de evaluare a riscurilor de spălare a banilor și finanțare a terorismului în sectorul bancar

Legislation

Laws

Decisions

Regulations

Instructions

Recommendations

Transparency on decision making

Infographics

Calendars

Press room

Financial education

Technical boxes

Articles

Glossary

Questions and Answers

Vacancies

Events

Conferences

Acquisitions

Press releases on NBM activity

Announcements

Get the information about National Bank's activity.

BEWARE OF SCAMS!

If you receive a suspicious call or message, hang up, contact your bank, and call 112.

Learn more HERE

The website www.bnm.md prioritizes data security and uses cookies to enhance the browsing experience and user comfort. Accepting the use of cookies contributes to faster page loading and ensures the proper functioning of the information presentation modules. Refusing to use cookies may slow down the site’s loading speed and hinder smooth navigation between pages. For more details, please refer to the Cookie Usage Policy .

YES cookies protection and collection

NO cookies protection and collection

Customize

Cookie Preferences

Configure your cookie preferences by category. Strictly necessary cookies cannot be disabled, as they are essential for the proper functioning of the website.

Strictly necessary

Always enabled

These cookies are fundamental to the correct operation of the website. They include session cookies used for load balancing and maintaining the application's state.

Cookies: cookiesession1, JSESSIONID

Functional

These cookies enable personalized features, such as font size preferences, interface state, and selection of desktop/mobile version.

Cookies: has_js, fontCookie, statistics_time, statistics_tooltip, bnm_coins_expansion, desktop_version

Analytics

Such cookies help us understand how visitors interact with our site by collecting and reporting information anonymously.

Cookies: _ga, _gid, _gat, node_stat

Accessibility

These cookies store accessibility preferences, such as text size, contrast, cursor size, and animation settings.

Cookies: a11y_oversized_widget, a11y_animation, a11y_invert, a11y_contrast, a11y_dyslexic, a11y_cursor, a11y_factor

Accept

Back

Expand

Hide

30.09.2022

NATIONAL BANK OF MOLDOVA

EXECUTIVE BOARD

DECISION no. 54

of

09.03.2016

On the approval of the Instruction

on the compilation and submission by banks

of primary reports to identify and supervise the credit risk

Under Article 5 paragraph (1) letters c) and d), Article 11 paragraph (1) and Article 27 paragraph (1) letter c) of the Law no. 548-XIII of 21 July 1995 on the National Bank of Moldova (republished in the Official Monitor of the Republic of Moldova, 2015 no.297-300, Article 544) and Articles 25, 33, 37 and 40 of the Law on financial institutions no.550-XIII of 21 July 1995 (republished in the Official Monitor of the Republic of Moldova, 2011, no.78-81, Article 199), the Executive Board of the National Bank of Moldova

DECIDES:

1. To approve the Instruction on compilation and submission by banks of primary reports to identify and supervise the credit risk.

2. To repeal as of 16.09.2016 the Annex no.12 (Portfolio of granted credits and undertaken credit commitments) to the Instruction on the preparation and submission of reports by banks for prudential purposes approved by the Decision of the Council of Administration of the National Bank Moldova no.279 of 01.12.2011 // Official Monitor 216-221 / 2008, 09.12.2011.

3. This decision shall enter into force on 01 July 2016.

Annex to the Decision of the Executive Board of the National Bank of Moldova No. 54 of 09.03.2016

INSTRUCTION on the compilation and submission by banks of primary reports to identify and supervise the credit risk

1. For prudential purposes, licensed banks are obliged to prepare and submit the following primary reports to identify and supervise the credit risk: a) Daily report on granted credits and undertaken credit commitments (Annex no.1); b) Report on persons affiliated with large borrowers (Annex no.2); c) Report on collateral for large borrowers (Annex no.3); d) Report on applications for large loans (Annex no.4).

2. Reports shall contain consolidated information on all divisions of the bank.

3. Reports shall be submitted electronically in accordance with the Instruction on the procedure of submission reports by banks in electronic form to the National Bank of Moldova, approved by the Decision of the Executive Board of the National Bank of Moldova no.132 of 17 July 2008 (Official Monitor of the Republic of Moldova, 2008, no.157-159, Article 447).

[Point 3 amended by the Decision of the NBM no. 246 of 26.09.2019, in force of 25.11.2019]

4. All fields of reports marked as mandatory shall be completed if the information is available and likely to be reported.

5. Banks shall maintain financial records in a way that would ensure the possibility to prepare and submit the reports under this Instruction.

6. The amounts shall be reflected in reports in MDL, unless otherwise provided in the compilation procedure of the report.

7. The amounts in MDL and foreign currency shall be indicated in reports in integers. If the code of the national currency/foreign currencies is to be indicated in the report, their numeric codes in accordance with the ISO 4217 shall be provided. The equivalent in MDL for the amounts in foreign currency shall be calculated using the official exchange rate of MDL against the respective currencies (hereinafter – the official exchange rate) valid on the date for which the information is reported.

[Point 7 completed by the Decision of the NBM no. 90 of 03.05.2018, in force of 18.05.2018]

[Point 7 amended by the Decision of the N BM no. 188 of 19.07.2017, in force of 01.01.2018]

8. The coefficients and percentages shall be reflected with two decimal places.

9. Before submitting the reports to the National Bank, the amounts shall be compared with the previous reports. If essential inconsistencies or differences from one period to another were found, an explanatory note on paper shall be submitted along with the rectified report in electronic form. For the purpose of this Instruction, by essential differences are meant the errors found in columns 3,12, 34, and 108 of the report ORD 3.17, as well as the errors found in column 36, if the divergence exceeds the value of MDL 500 thousand or its equivalent. In other cases, the explanatory notes shall be submitted to the NBM upon request.

[Point 9 in the wording of the Decision of the NBM no. 188 of 19.07.2017, in force of 01.01.2018]

[Point 9 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]

10. The information in these reports shall reflect the situation of the bank at the end of the operational day of the reporting period (day, month, quarter, year, etc.).

11. Banks shall consider the inspection results carried out by the NBM inspectors when preparing the reports, which have to be submitted at the next reporting date after the examination of inspection reports at the meetings of the Executive Board of the National Bank of Moldova. A note on paper with appropriate explanations on the elimination of the shortcomings found during inspections shall be simultaneously submitted with the reports in electronic form.

12. After examining the annual financial statements by the general meeting of shareholders, banks, no later than 30 April shall submit repeatedly reports in electronic form (as of 31 December) modified following the audit to the National Bank of Moldova. A note on paper with detailed explanations on the adjustments made shall be submitted simultaneously with the reports in electronic form.

Annexes.DOC

Annexes.PDF

1 Grigore Vieru Avenue, MD-2005, Chisinau, Republic of Moldova.

Contacts .

Subscribe to Newsletter

E-mail *

Allow collection of personal data *

I want to subscribe to

Comunicate și publicații

Statistică

Politică monetară

Moneda națională

Supraveghere bancară

Piața financiară

Sisteme de plăți

Acte normative

Proiecte pentru consultare publică

Despre Banca Națională

Posturi vacante

Achiziții

CAPTCHA This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.

© National Bank of Moldova

Terms of use

Cookie Usage Policy