The problems of the financial sector, in general, and the banking sector, in particular, have been gathered over the years, regardless of regimes and ruling parties. The banking sector in Moldova is the element that made it possible to transform the country into a regional money laundering centre, since 2005. Conclusions are available in a digest published by Transparency International - Moldova, with the support of experts in the field .

In the digest is mentioned that this sector was used for obtaining financial resources from the currency reserves of the National Bank of Moldova in 2014 through the "billions theft", with a further conversion of the debts and gaps in state debt. All these have created major risks for the state security, financial system, and also for citizens partially. These risks are generated by the transit and extracting financial resources of Moldovan, of citizens who work inclusively abroad, and placing them in offshore zones, in risky second hand commercial banks, under the jurisdiction of international sanctions effect, reports IPN. 

Recent developments in the local banking sector highlight two distinct phases of erosion of this sector's security, which at one time intercalated. The authors mention the period 2005-2014 characterized by money laundering from the region through the banking system with the help of judicial system and under the protection and guidance from those governing.

As well, it is about 2014-2016 - the stage related to the billions theft from the banking system, including NBM, with the conversion of created gaps into state debt, put on the shoulders of ordinary citizens. The theft was conceived and accomplished by interest groups with representatives among political elites, in the conditions of state institutions captivity and their leaders, who are vulnerable and easy to blackmail.

According to experts, in the case of BEM, the bank owned in majority by the state, is a clear example of raider, robbing and decapitalizing applied by some interest groups. The things were amplified from 2011 with a raider attack on a portion of shares to become a shareholder of BEM. Banca de Economii has been regularly inspected by the state, and at certain times - by interest groups who became nontransparently shareholders of BEM due to inaction and tacit approvals from state institutions, including NBM. BEM was attacked with the aim to deprive the state of majority package in two phases staged differently.

The experts consider the banking sector is controlled by several groups of interests, which generate additional risks. The lack of transparency as regards final beneficiaries, presence of affiliated persons in the bank’s portfolios and bad loans as a result are evident. It is not only about the banks that are being liquidated. Such conclusions also derive from the events of 2014, when three banks reached a "deplorable" state as a result of similar scenarios planned in a coordinated way.

According to the experts, the risk of contamination of the financial system persists. Several other financial institutions, including from the insurance and leasing sectors and savings and loan associations, can form part of the same scenario in the future. The money entrusted by the people to these entities is in danger mainly owing to the complicity between the state authorities and different groups of interests that manage the financial flows in the Republic of Moldova.