Loans-to-GDP ratio in Romania edges down to 23.4% at the end of January

The weak financial intermediation in Romania, which features the lowest loan-to-GDP ratio in Europe and among the lowest in the world when it comes to both household loans and corporate loans, has further eroded over the past year. The overall ratio reached 23.4% at the end of January, down from 23.8% one year earlier, according to data published by the National Bank of Romania (BNR) and the 2025 GDP estimate used by the Ministry of Finance.

The bank deposits-to-GDP ratio also deteriorated, to 34.8% at the end of January from 35.5% a year ago.