The internal Reference Index is used to calculate the interest rate for the following loans:

- Mortgages/Real Estate in MDL with a floating rate, granted until July 10, 2023;
- Prosper in MDL with a floating rate, granted until June 10, 2024.

The Reference Index represents the interest rate set for the 6-month floating rate deposit in MDL, offered by the Bank to individual customers.

The Reference Index is set:

- on February 18, for the Interest Period between March 5 and September 4;
- on August 18, for the Interest Period between September 5 and March 4.

Reference Index – the reference rate published by the National Bank of Moldova, calculated as the weighted average interest rate on new deposits attracted in the national currency with a term of 6 to 12 months, for the entire banking sector.

Reference Index for the period:

- March 5 – September 4 – is set based on the value published by the NBM for January of the current year;
- September 5 – March 4 – is set based on the value published by the NBM for July of the current year.

It is used to calculate the interest rate for loans:

- TOTO in MDL with a floating rate granted starting September 19, 2023;
- Mortgage/Real Estate in MDL with a floating rate granted starting July 10, 2023;
- Prosper in MDL with a floating rate granted starting June 10, 2024.

Unsecured consumer loans
Secured consumer loans
Real estate loans in LEI

LIBOR 6M Index ("London Interbank Offered Rate") - is an independent, internationally recognized benchmark, representing the minimum or basic interest rate on loans granted to senior banks for a specified period, on the London market. The index represents the arithmetic average of the interest rates applied by the main banks for the most important convertible currencies on the international financial market.

The reference index applicable for an interest period shall be determined either on March 25 or September 25 of each calendar year, whichever is closer.

It is used to calculate the interest rate for the following credit products:

• Mortgage loan in USD

EURIBOR 6M Index ("Euro Interbank Offered Rate") - the interest rate at which European banks lend to each other in EUR. It is calculated daily, as an average of the interest rates charged by the most important banks in the euro area.

The reference index applicable to an interest period shall be determined either on 25 March or on 25 September of each calendar year, whichever is the closer.

It is used to calculate the interest rate for the following credit products:

• Mortgage loan in EUR

Reference Index – the reference rate for the State Program "First Home" published by the NBM, calculated as the weighted average interest rate on new deposits attracted in national currency with a term of 6 to 12 months for the entire banking sector.

Reference Index for the period:

- July 1 – December 31 – is set based on the value published by the NBM for May of the current year;
- January 1 – June 30 – is set based on the value published by the NBM for November of the current year.

PRIMA CASĂ real estate loans