Romania Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Romania's non-performing loans was 1.11% in 2025, ranked 99th globally. This represents a 58.3% decrease from 2024. Data from World Bank, covering 2007–2025.
Overview
Romania's non-performing loans stood at 1.11% in 2025, a decline of +1.55pp from 2022. Based on recent trends, this figure is projected to reach 1.11% by 2025. Romania ranked 99th globally.
Romania's non-performing loans (NPLs) have experienced a significant decline over the past decade, exhibiting a remarkable turnaround from the peak of 21.87% in 2013 to the current level of 1.11% in 2025, ranking 99th globally. This substantial reduction is a testament to the effectiveness of the country's efforts to address its banking sector issues. Notably, Romania's NPL ratio has surpassed that of its peer countries, including Georgia, which currently ranks 1.16%, and Czechia, which boasts a ratio of 1.02%. The sharp decrease in NPLs can be attributed to the implementation of stricter lending standards, enhanced credit risk management, and the sale of non-performing assets. As a result, the banking sector's stability has been improved, and the country's credit environment has become more favorable. However, the ongoing economic volatility and potential shifts in monetary policies may challenge this trend, and any significant increase in interest rates or loan defaults could potentially disrupt the downward trajectory of Romania's NPLs.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2025* trend | 1.11% | - | - |
| 2025 | 1.11% | −1.55pp | #99 |
| 2022 | 2.65% | −0.70pp | #54 |
| 2021 | 3.35% | −0.48pp | #64 |
| 2020 | 3.83% | −0.25pp | #65 |
| 2019 | 4.09% | −0.87pp | #74 |
| 2018 | 4.96% | −1.46pp | #81 |
| 2017 | 6.41% | −3.21pp | #87 |
| 2016 | 9.62% | −3.88pp | #104 |
| 2015 | 13.51% | −0.43pp | #114 |
| 2014 | 13.94% | −7.94pp | #107 |
| 2013 | 21.87% | +3.64pp | #120 |
| 2012 | 18.24% | +3.91pp | #116 |
| 2011 | 14.33% | +2.47pp | #107 |
| 2010 | 11.85% | +3.96pp | #93 |
| 2009 | 7.89% | +5.15pp | #62 |
Detected Pattern
Analysis
Romania matched the Fiscal Dominance Trap pattern in 2023. Historically, 72% of countries showing this pattern (278 out of 386) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Romania's non-performing loans was 1.11% in 2025. Ranked 99th globally. This represents a 58.3% decrease from the previous year.
Romania's non-performing loans peaked at 21.87% in 2013.
The lowest non-performing loans in Romania was 1.11% in 2025.
Romania ranks 99th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Romania's non-performing loans is projected to reach 1.11% by 2025 based on trend extrapolation.
The non-performing loans of Romania in 2025 was 1.11%. This ranks 99th in the world.
Cite this page
@misc{historysaid_romania_non-performing-loans,
title = {Romania Non-Performing Loans},
url = {https://historysaid.com/romania/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}