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The BNR warns that individuals and businesses earning in lei should avoid loans in foreign currencies due to rising non-performing loans. Florian Neagu highlighted that non-performing loans in foreign currency increased by nearly 40%, compared to 3-4% for lei loans. He advised borrowing in the currency of income to mitigate risks from currency fluctuations and interest rate changes. Additionally, loans backed by government guarantees have a non-performing rate exceeding 15%, indicating repayment difficulties. The CNSM recommends future guarantee programs focus on strategic economic sectors to enhance financial stability.