Maib’s alto wins prestigious recognition from Euromoney

As part of the 2026 Private Banking Awards organised by Euromoney, maib received the country distinction of Moldova’s Best for Premier Banking, recognising the bank’s development of services tailored to affluent clients, including its maib alto offering.

The Private Banking 2026 Awards programme recognises institutions that demonstrate outstanding performance in delivering high-quality advice, services and solutions to affluent and high-net-worth clients across global, regional and country categories.

This recognition highlights maib’s continued focus on developing tailored banking solutions for affluent clients and strengthening its relationship-driven service model.

Developing the premium client segment

As customer needs in the banking sector evolved, maib identified a growing segment of clients who required faster and more personalised financial services than those traditionally offered in mass banking, while not yet falling into the private banking category.

To address this demand, the bank launched maib alto in 2022 — a premium banking service positioned between mass banking and private banking. The service targets entrepreneurs, senior managers and professionals seeking dedicated support, efficient service and personalised financial solutions.

Aliona Stratan, First Deputy Chairwoman in charge of Retail division:

“We are honoured to receive this recognition from Euromoney and thank our clients for their trust as well as our colleagues for their dedication in developing the maib alto segment. The rapid growth of premium banking confirms the demand for personalised financial services and supports our long-term strategy of expanding wealth management and private banking services.”

Expansion of the premium segment

Since its launch, the maib alto segment has expanded rapidly, reflecting strong demand for personalised financial services among mass affluent clients.

Key indicators highlight the scale of this development:

• Number of clients increased from 1,027 in 2022 to 11,833 in 2025.
• The term deposit portfolio grew from MDL 944 million to MDL 3.0 billion.
• The share of maib alto term deposits in total retail deposits increased from 7.5% to 17.6%.
• The loan portfolio expanded from MDL 77 million to MDL 2.85 billion (excluding credit cards).

Progression toward private banking

The premium segment also plays an important role in supporting the bank’s long-term wealth management strategy.

Over the past two years, nearly 50% of newly onboarded private banking clients originated from the maib alto segment, demonstrating the effectiveness of the bank’s client segmentation and relationship model.

Clients transitioning to private banking typically consolidate their financial portfolios with the bank, including deposits, lending and investment products. Together, the premium and private banking segments now account for around 30% of total retail term deposits, reflecting their growing importance for the bank’s retail franchise.

Tailored solutions for affluent clients

The bank offers a broad range of financial solutions designed specifically for the mass affluent and premier segments, combining investment, lending and advisory services.

Premium clients benefit from access to diversified investment products, including corporate bonds and flexible investment-type deposit accounts, as well as personalised advisory support through dedicated investment desks.

In lending, the bank provides preferential credit lines with grace periods for purchases, higher cash withdrawal limits and premium card products integrated with the Instant Payment System, delivering additional convenience and exclusive benefits.

These tailored solutions reflect maib’s strategy of providing flexible, secure and value-added financial services for clients seeking more personalised banking experiences.

Maib alto – life-enriching banking!

About maib

Maib is the largest bank in Moldova, with a share of 36.4% of deposits and 37.9% of loans of the entire banking system as of year-end 2025. Maib is a disciplined lender with an NPL ratio of 0.8% (IFRS) and is well-capitalised with a CAR of 20.1%.

The bank is of systemic importance to the country, serving nearly half of the population and is one of the largest private employers in Moldova, with a workforce of over 2,500 people.

Maib is committed to returning capital to shareholders, having paid out 45% of its 2024 profits in dividends (totalling nearly EUR 32 million).

Since 2018, maib's largest shareholder has been a consortium that includes the European Bank for Reconstruction and Development (EBRD), Invalda INVL, and Horizon Capital.