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Business Loan Benchmark Index
The index represents the arithmetic mean of the interest rates charged by the major banks for the most important convertible currencies on the international financial market.
Benchmark Index for Loans Granted in EUR/USD from the Bank’s Resources and EBRD Resources | ||
Date | 01/01/2026 - 06/30/2026 (%) | 07/01/2026 - 12/31/2026 (%) |
|---|---|---|
6-month EURIBOR – for loans granted in EUR | 2.123 | 2.519 |
CME TERM SOFR 6M – for loans granted in USD | 3.691 | 3.708 |
Reference Rates under Program 373 for Loans Granted Starting May 17, 2024 | ||
Date | July 1, 2026 – September 30, 2026 (%) | 10/01/2026 - 12/31/2026 (%) |
|---|---|---|
Loans granted in national currency | 5.71 | 5.67 |
Loans granted in foreign currency | 1.16 | 1.37 |
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Reference Rates under Program 373 for Loans Granted Through May 17, 2024 | ||
Date | January 1, 2026 – June 30, 2026 (%) | July 1, 2026 – December 31, 2026 (%) |
|---|---|---|
Loans granted in national currency | 5.57 | 5.66 |
Loans granted in foreign currency | 1.59 | 1.38 |
On-lending interest rate for loans granted in MDL, EUR, and USD from refinancing resources, administered by OGPAE | ||
Review period | Currency | Annual refinancing interest rate (%) |
|---|---|---|
February 25 and August 25 | MDL | 5.00 |
USD | 4.26 | |
EUR | 3.37 | |
Re-lending interest rate, from direct resources, Livada Moldovei Tranche 24 and Tranche 26
Tranche | Review Period | Currency | Annual Re-lending Interest Rate (%) |
|---|---|---|---|
24 | May 23 and November 23 | EUR | 3,712 |
May 23 and November 23 | MDL | 5.00 | |
26 | June 26 and December 26 | EUR | 3,776 |
June 26 and December 26 | MDL | 5.00 |
Benchmark Index for Loans Granted in EUR/USD from the Bank’s Resources | ||
Date | July 1, 2026 – September 30, 2026 (%) | 10/01/2026 - 12/31/2026 (%) |
|---|---|---|
3-month EURIBOR – for loans granted in EUR | 2.245 | 2.608 |
CME TERM SOFR 3M — for loans granted in USD | 3.655 | 3.828 |
Benchmark Index for Loans Granted in MDL from the Bank’s Resources | ||
Date | July 1, 2026 – September 30, 2026 (%) | 10/01/2026 - 12/31/2026 (%) |
|---|---|---|
Base rate of the National Bank of Moldova applicable to the main short-term monetary policy operations | 6.50 | 7.50 |