Deposit Policy in The National Banking System

Abstract

This study examines the deposit policy in the context of the National Banking System of Moldova, focusing on the strategies employed by commercial banks to manage liquidity and ensure financial stability. Although the National Bank does not impose a unified deposit policy, it influences the sector through tools such as the base rate and mandatory reserves. The research highlights the impact of external factors, including geopolitical instability, on deposit growth and economic development. By analyzing deposit trends and structures, the study reveals key insights into the challenges faced by the banking sector, emphasizing the need for adaptive strategies to maintain financial equilibrium and foster sustainable economic expansion. Additionally, it underscores the critical role of a well-adapted deposit policy in balancing savings and investments, mitigating financial risks, and promoting sustainable economic growth. CZU: 336.717.3(478); JEL: E40, E43, E58, G20, G21, G29