www.economica.net/ce-s-a-intamplat-cu-rata-credite

The non-performing loan (NPL) rate in Romania's banking system rose to 2.9% in Q2 2026, up from a low of 2.4% in 2023, primarily due to deteriorating credit portfolios for small businesses. The NPL rate for individuals decreased to 2.8% in 2025 but has recently increased again. Companies are facing a more significant decline, with NPLs reaching 5.6% in March 2026. The agricultural and construction sectors are the most affected, particularly small firms with an NPL rate of 7.9%. The rise in state-guaranteed loans' NPLs from 5.3% to 11.3% indicates a transfer of credit risk to the public budget. Economic downturns are impacting repayment capacities, leading to further increases in NPLs, which could tighten lending standards and pressure banks' liquidity and profitability. Despite these challenges, the banking sector remains resilient but requires attention to future developments.