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personal corporate bonds the fourth public offering program

the fourth public offering program

smart and reliable investments
floating
MDL 20,000
MDL 200,000,000
monthly
22 days
3 years
solicită oferta
the fourth public offering program

about

maib corporate bonds

Maib corporate bonds are a financial instrument that allows individuals to efficiently invest capital for a period of 3 years, with repayment supported by the bank’s financial performance.

the fourth public offering program

In 10 February 2026, maib launched the fourth public offering program, under which, over the course of one year, the bank will carry out 10 consecutive issuances of corporate bonds across 13 different classes.

Each issuance is considered valid if it reaches the minimum subscription threshold of 1%.

Advantages

  • Market circulation: the bonds are admitted for trading on the secondary market of the Moldova Stock Exchange.
  • Funds security: the repayment of financial resources is supported by future revenues generated by maib.
  • Return: the interest rate is more attractive compared to other savings instruments due to the margin.
  • Payment frequency: coupon payments are made monthly, and the principal amount is fully repaid at maturity.
  • Banking facilities: the investor may use a maib card, which can be opened free of charge, to receive coupon payments.
  • Portfolio optimization: allows diversification of the investment portfolio, providing an additional source of income.
  • Financial collateral: bonds may be used as collateral to access other financial or monetary instruments.
  • Authorized intermediary: the issuance process is carried out through a professional participant in the capital market.
  • Redemption: the possibility to submit a request for voluntary early redemption of bonds at nominal value.
  • Payment reliability: maib’s financial statements and economic forecasts confirm the bank’s capacity to pay coupons and repay the principal.

Subscription to corporate bonds is available through the maib branch network for individuals, both residents and non-residents.

Before subscribing, it is recommended to consult the Public Offering Prospectus in order to become familiar with all necessary information.
 

public offering program

10 issuances of 10,000 bonds each, with a total value of MDL 2,000,000,000 

circulation term

3 years from the date of issuance registration

minimum / maximum investment per issuance

  • 1 bond = MDL 20,000
  • 10,000 bonds = MDL 200,000,000 

subscription period

22 calendar days

coupon rate and frequency of reference rate adjustment

  • floating – composed of the reference rate + the fixed margin set by classes, where:
  • reference rate – the weighted average interest rate on newly attracted deposits in the national currency across the entire banking sector, with maturities from 6 to 12 months, published on the official website of the National Bank of Moldova www.bnm.md, as of the date of launching an issuance cycle;
  • fixed margin set by classes: II: (–1.0%); III: (–0.5%); IV: 0.00%; V: 0.5%; VI: 1.0%; VII: 1.5%; VIII: 2.0%; IX: 2.5%; X: 3.0%; XI: 0.25%; XII: 0.75%; XIII: 1.25%; XIV: 1.75%. 

 

coupon payment frequency

monthly, to the investor’s card account or current account

conditions for voluntary redemption

the bondholder has this right (up to 250 bonds per issuance, per person), and the redemption value of the bond shall be the nominal value

bond subscription

at any maib branch or through the Corporate Investments Department
(Chișinău municipality, 31 August 1989 Street, no. 127, maibpark, 7th floor)

phone numbers:

email:

rate

Coupon amount

Formula for calculating the coupon amount:

 

Where:

VN – nominal value of one bond;

Rn – coupon rate corresponding to period n (in %);

Dn – duration of the coupon period, the number of days in period n for which the coupon is calculated and paid (in days);

N – sequential number of the coupon (1, 2, 3, … 36).

Formula for calculating the coupon rate:

Rn = reference rate + fixed margin set by classes

Where

Reference rate – the weighted average interest rate on newly attracted deposits in the national currency across the entire banking sector, with maturities from 6 to 12 months, published on the official website of the National Bank of Moldova www.bnm.md, as of the date corresponding to the first day of the offer period (subscription period);

and

Fixed margin, set by classes, which may take the following values:II: (–1.0%); III: (–0.5%); IV: 0.00%; V: 0.5%; VI: 1.0%; VII: 1.5%; VIII: 2.0%; IX: 2.5%; X: 3.0%; XI: 0.25%; XII: 0.75%; XIII: 1.25%; XIV: 1.75%.

Coupon payment procedure:

reference date (T-3)

3 business days prior to the coupon payment date

coupon payment date (T)

monthly, based on the bond issuance date

coupon payment timing (T+5)

starting from the coupon payment date, within a maximum of 5 business days

 

How does the maib corporate bonds issuance process take place

 

analizing the prospectus

the public offer prospectus and related information, available on maib.md

contract signing

the subscription application is submitted for the procurement of corporate bonds, and the bonds subscription contract is concluded

payment of subscribed bonds

the funds are transferred from the investor’s account to the special account of the subscribed bonds

obtaining bonds ownership

at the time of transferring the new securities (bonds) issued from the bank account to the investor's securities account, according to the list of subscribers sent by maib to the Single Central Depository

receipt of coupon and investment amount

the coupon is paid monthly for 3 years, and at maturity, the amount of the initial investment is paid

filling in the annual income tax return

according to the Fiscal Code, coupons obtained from holding bonds represent sources of taxable income

details

Rights and privileges granted to bondholders

  • the right to receive from maib the nominal value of the bond upon expiration of the circulation term at the maturity date, as well as the right to withdraw the bond from the market;
  • the right to receive the corresponding coupon in the amount and within the time limits established in the prospectus;
  • the right to dispose of the bonds on the secondary market in accordance with the legislation, including on the regulated market of the Moldova Stock Exchange, through accredited members;
  • the right of the bondholder to request from maib the redemption of the bonds held prior to the maturity date (the right to voluntary redemption).

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