The majority of banks have as their primary purpose to obtain a higher profit with minimal risks. This goal can be achieved only in the case of a modern and efficient banking management system. This paper compares the situation in the banking system of the Republic of Moldova with other countries in the region. The analysis is carried out in the light of a set of comparable conventional indicators. Thus, it was analyzed the causes of so modest integration of the banking system in the national economy, the high cost of loans, factors that hinder companies' access to bank loans and finding ways and solutions to optimize banking management. From the international practice, the domestic banking system has to make many changes from the point of view of banking supervision, absorption of losses, effective monitoring tools, de-offshorisation of the banking sector, etc.