With the declaration of the independence of the Republic of Moldova in 1991, the banking activity started to come out from under the monopoly of the state. Banks had full state capital, and banking operations were reduced to maintaining the viability of socialist enterprises through the centralized distribution of funds in the form of loans. Although the banking activity gained momentum through the establishment of the National Bank of Moldova and domestic commercial banks, the process went arduously, with 18 banks being liquidated, the criminal cases started on the basis of banking offenses are still ongoing. Therefore, we will perform a chronological analysis of the offenses committed by banks during the period of independence of the Republic of Moldova. Therefore, the state of affairs that any state, including the Republic of Moldova, could face, often with the possibility of the collapse of institutions of systemic importance and in the absence of credible crisis management mechanisms, governments will have no other option to maintain stability financial than to resort to the money from the public budget.