Expert-Grup's recommendations after studying the Kroll report

According to the Kroll report, loans presumed fraudulent, plus interest, amount to MDL 18 billion. The crisis at BEM, BS and UB did not become a crisis of the entire banking system. Its causes were a delayed and insufficient reaction from the National Bank of Moldova and other institutions, obscure shareholder changes, breaches of corporate governance, artificially inflated lending capacity and poor management at BEM. Legislation does not restrict buying bank shares with loans from off-shore companies, and penalties remain mild despite the 2014 Criminal Code changes.

The authors, Adrian Lupușor, Vladislav Gribincea and Alexei Buzu, recommend barring off-shore companies from interacting with banks, legal mechanisms to detect concerted shareholder action, and professional independence and protection for National Bank of Moldova officials. They also urge preventing courts from suspending its decisions, regular external audits of the bank, and better information-sharing among the institutions responsible for financial stability.