This article represents an analysis of the domestic banking sector, viewed from the perspective of setting up a new banking business model. The economic problems that Republic of Moldova was confronted with over the years from independence to the present, as well as the proven bank crises, have led to the implementation of a series of regulations imposed by the governmental, intergovernmental and supranational supervisors on the assurance of certain capital and liquidity indicators. All this led to a significant change in the banks' business, as well as their orientation in ensuring a balance in obtaining profits and complying with the new European requirements.