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 150 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% |
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, Plurinational State of 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
- Net domestic credit (current LCU), per capita 31,766 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 1.41 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 8.52 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 116.61 million SDR (2025)
- Gold reserves at market value 10.63 billion SDR (2025)
- Reserves excluding gold, foreign exchange 52.83 billion SDR (2025)
- Reserves excluding gold 55.56 billion SDR (2025)
- Total reserves (gold at market value) 66.19 billion SDR (2025)
- Total reserves (gold at national valuation) 66.04 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 3,472 SDR per person (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 150 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.