The tier-one capital of the banks, which includes common stock and retained profit, totalled 6.4 billion lei at the end of September, down by 0.11% from a year earlier, the BNM said.
Return on assets (ROA) dropped to an average 0.16% in September from 4.04% a year earlier. Return on equity (ROE) fell to 0.87% from 23.31% in September 2008.
The share of foreign capital in Moldova's banking system rose to 75.19% at the end of September from 73.09% a year earlier.
Ex-Soviet Moldova has 15 commercial banks.
(1 euro=16.3605 Moldovan lei)