# Maib (Moldova Agroindbank)

> Source: https://docs.barcoder.ai/docs/wallets/maib
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Maib — official](https://www.maib.md/)

## Overview

**Maib (Moldova Agroindbank)** is **Moldova's largest commercial bank by assets** + **~36% Moldovan banking market share** + **1.1M+ customers - majority of Moldovan banked population** + **HEIM Partners + EBRD + Invalda INVL + Horizon Capital consortium majority controlling post-2018 acquisition** <sup>[1][1], [Moldova, Republic of report](https://docs.barcoder.ai/docs/payments/MD)</sup>. **2025 baseline**: Maib Moldova's largest commercial bank by assets + ~36% Moldovan banking market share + 1.1M+ customers.

## History

**1991 — Banca Comercială Moldova Agroindbank founded** post-Moldovan independence + transition from Soviet Agroindbank Moldova.

**1992 — Maib MSE listing**.

**Oct 2018 — HEIM Partners + EBRD + Invalda INVL + Horizon Capital consortium acquires ~41.09% Maib post-Moldovan banking restructuring + cleansing of Russian + Eastern European bad-bank shareholders** distinctive Moldovan banking restructuring.

**2014 — Maibank mobile banking app launch + 2020 maib mobile rebrand** distinctive Moldovan mobile banking strategy.

## Ownership & operator

**Operating entity**: **BC Moldova Agroindbank S.A. (Maib)** (Moldova's largest commercial bank by assets; HEIM Partners + EBRD + Invalda INVL + Horizon Capital consortium majority controlling).

**Major shareholders**: **HEIM Partners (Lithuanian Invalda INVL-affiliated) + EBRD + Invalda INVL + Horizon Capital consortium ~41.09% controlling + Moldovan retail + institutional investors**.

**Regulators**: **BNM (Banca Națională a Moldovei)**.

## Technical integration

maib mobile banking app (iOS + Android; 1.1M+ customers) + maib.md online + Maib branch network across Moldova + Maib Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR.

## Implementations & partners

**Major Moldovan banking competitors**: OTP Bank Moldova (OTP Bank Moldova; OTP Hungarian parent + Moldovan commercial bank post-Mar 2020 OTP Mobiasbanca acquisition) + Victoriabank (Victoriabank; Banca Transilvania Romanian parent ~44% controlling; Moldovan commercial bank) + ProCredit Bank Moldova (ProCredit Bank Moldova; ProCredit Holding German parent + ESG-focused commercial banking).

**Regulator**: BNM.

## Status

**Active, Moldova's largest commercial bank by assets + ~36% Moldovan banking market share + 1.1M+ customers + HEIM Partners + EBRD + Invalda INVL + Horizon Capital consortium majority controlling** <sup>[1][1], [2][2]</sup>:
- **BC Moldova Agroindbank S.A. (Maib)** since 1991 Banca Comercială Moldova Agroindbank founding + 1992 MSE listing + Oct 2018 HEIM Partners + EBRD + Invalda INVL + Horizon Capital consortium acquisition + 2014 Maibank mobile banking app launch.
- **BNM regulated**.

## Sources

[1]: https://www.maib.md/ "Maib — official"
[2]: https://en.wikipedia.org/wiki/Moldova_Agroindbank "Moldova Agroindbank — Wikipedia"
[md-cro]: https://docs.barcoder.ai/docs/payments/MD

- [1] [Maib — official][1]
- [2] [Moldova Agroindbank — Wikipedia][2]
- <sup>[Moldova, Republic of report](https://docs.barcoder.ai/docs/payments/MD)</sup> In-corpus: `reports/countries/MD-moldova.md`

## Source

Biography extracted from [maib.md](https://docs.barcoder.ai/source/wallets/maib). See `matrix.md` for standards-support matrix if present.