During the period October – December 2025, the applied reference index is 5.59%. This represents the weighted average interest rate on new deposits attracted from individuals in the national currency, with a maturity of 6 to 12 months, calculated according to the methodology of the National Bank of Moldova (NBM) and published on the website www.bnm.md, as of 31.08.2025.

The evolution of the reference index for individuals

• January 01 – March 31 → 3.78

• April 01 – June 30 → 4.96

• July 01 – September 30 → 5.58

• October 01 – December 31 → 5.59