Bank nonperforming loans to total gross loans (%) in Romania
Romania: Bank nonperforming loans to total gross loans (%) was 3.1% in 2025. ◆ Volatile
Bank nonperforming loans to total gross loans in Romania, 2007–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
Romania recorded 3.1% for bank nonperforming loans to total gross loans in 2025.
That represents a change of up 9.2% on the previous year and down 80.7% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Romania peaked at 21.9% in 2013 and was at its lowest, 2.6%, in 2007.
That places Romania 76th out of 151 countries with data for 2025, putting it in the middle of the range.
The series is highly variable year to year, so single readings are best treated with caution.
Bank nonperforming loans to total gross loans (%) in Romania, year by year
| Year | % | Change |
|---|---|---|
| 2007 | 2.6% | — |
| 2008 | 2.7% | +6.2% |
| 2009 | 7.9% | +187.3% |
| 2010 | 11.9% | +50.2% |
| 2011 | 14.3% | +20.9% |
| 2012 | 18.2% | +27.3% |
| 2013 | 21.9% | +19.9% |
| 2014 | 13.9% | -36.3% |
| 2015 | 16.1% | +15.8% |
| 2016 | 11.4% | -29.5% |
| 2017 | 7.7% | -32.7% |
| 2018 | 5.6% | -27.0% |
| 2019 | 4.7% | -15.9% |
| 2020 | 4.5% | -3.9% |
| 2021 | 3.9% | -14.5% |
| 2022 | 3.0% | -21.3% |
| 2023 | 2.9% | -4.7% |
| 2024 | 2.8% | -1.9% |
| 2025 | 3.1% | +9.2% |
Romania compared with similar countries
- Romania's 3.1% is above the median for high income countries, which is 2.0%, 1.5× the median. (58 countries reporting)
- Romania's 3.1% is above the median for Europe & Central Asia, which is 2.2%, 1.4× the median. (48 countries reporting)
Biggest year-on-year movements
Years where Bank nonperforming loans to total gross loans (%) in Romania changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 2009 | +187.3% | 2.7% | 7.9% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 4.4% | 2.6% | 7.9% | 3 |
| 2010s | 12.6% | 4.7% | 21.9% | 10 |
| 2020s | 3.4% | 2.8% | 4.5% | 6 |
Countries ranked near Romania
- 73 Bosnia and Herzegovina 3.2% compare
- 74 Bolivia 3.1% compare
- 75 Belize 3.1% compare
- 77 Djibouti 3.1% compare
- 78 Montenegro 3.0% compare
- 79 Philippines 3.0% compare
More financial sector data for Romania
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0 units per person (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0 units per person (2025)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0 units per person (2025)
- Reserve tranche position, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, SDR, per capita 0 units per person (2025)
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 12.7 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.1232 SDR per US$ of GDP (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Romania?
- Bank nonperforming loans to total gross loans in Romania was 3.1% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Romania?
- The highest recorded value was 21.9% in 2013.
- What is the lowest bank nonperforming loans to total gross loans recorded in Romania?
- The lowest recorded value was 2.6% in 2007.
- How does Romania rank for bank nonperforming loans to total gross loans?
- Romania ranks 76th out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Romania?
- Over the last ten years it is down 80.7%. The long-run trend across the full record is volatile.
- Where does this Romania data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank nonperforming loans to total gross loans (%). Statizoid updates them automatically from the source API.
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About this data
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.