The report presents the borrowers (individuals identified by personal identification code) reported by the reporting institutions (credit institutions and non-bank financial institutions registered with the NBR Special Register), according to Regulation No. 2 of 9 January 2012 on the organisation and functioning of the Central Credit Register operated by the National Bank of Romania, as subsequently amended. It refers to the exposure of a reporting institution to a borrower equal to or greater than RON 20 000. The report includes only the loans granted; commitments assumed by the reporting institutions (such as letters of guarantee) are not included.
Table 0
| Loans* granted to individuals - Total |
| Number of borrowers, of which: |
908,475 |
| -Total number of borrowers with overdue amounts (including the overdue 30 days at most), of which: |
175,151 |
| Number of borrowers with overdue amounts between 30 and 90 days |
26,386 |
| Number of borrowers with overdue amounts more than 91 days |
63,915 |
| Number of loans, of which: |
1,508,535 |
| -Total number of overdue loans (including the loans overdue less than 30 days), of which: |
229,826 |
| Number of overdue loans between 30 and 90 days |
31,225 |
| Number of overdue loans more than 91 days |
86,130 |
| Due amount (RON millions), of which: |
95,004 |
| - Total overdue amount (including amounts overdue less than 30 days), of which: |
6,231 |
| Overdue amounts between 30 and 90 days |
72 |
| Overdue amounts more than 91 days |
6,116 |
* Table 0 includes all loans granted to individuals, regardless the collateral type.
of which:
Table 1 = Table 2 + Table 3 + Table 4
| Mortgage loans + Other real estate loans + Other loans with real estate collateral |
| Number of borrowers1, of which: |
459,347 |
| -Total number of borrowers with overdue amounts (including the overdue 30 days at most), of which: |
68,723 |
| Number of borrowers with overdue amounts between 30 and 90 days |
13,622 |
| Number of borrowers with overdue amounts more than 91 days |
18,232 |
| Number of loans, of which: |
491,600 |
| -Total number of overdue loans (including the loans overdue less than 30 days), of which: |
74,127 |
| Number of overdue loans between 30 and 90 days |
14,571 |
| Number of overdue loans more than 91 days |
20,110 |
| Due amount (RON millions), of which: |
74,138 |
| - Total overdue amount (including amounts overdue less than 30 days), of which: |
3,976 |
| Overdue amounts between 30 and 90 days |
46 |
| Overdue amounts more than 91 days |
3,911 |
Table 2
| Mortgage loans* |
| Number of borrowers1, of which: |
177,717 |
| -Total number of borrowers with overdue amounts (including the overdue 30 days at most), of which: |
18,673 |
| Number of borrowers with overdue amounts between 30 and 90 days |
3,506 |
| Number of borrowers with overdue amounts more than 91 days |
3,631 |
| Number of loans, of which: |
181,320 |
| -Total number of overdue loans (including the loans overdue less than 30 days), of which: |
18,944 |
| Number of overdue loans between 30 and 90 days |
3,552 |
| Number of overdue loans more than 91 days |
3,742 |
| Due amount (RON millions), of which: |
29,023 |
| -Total overdue amount (including amounts overdue less than 30 days), of which: |
712 |
| Overdue amounts between 30 and 90 days |
5 |
| Overdue amounts more than 91 days |
702 |
*including “Prima casă” loans granted according to the provisions of Government Emergency Ordinance No. 60/2009 on several steps for implementing the “Prima Casă” Program. The loans can also have other types of collateral, such as collateral deposits.
Table 3
| Other real estate loans* |
| Number of borrowers1, of which: |
138,772 |
| -Total number of defaulters (including the defaulters overdue less than 30 days), of which: |
13,547 |
| Number of borrowers with overdue amounts between 30 and 90 days |
1,954 |
| Number of borrowers with overdue amounts more than 91 days |
3,966 |
| Number of loans, of which: |
140,761 |
| -Total number of overdue loans (including the loans overdue less than 30 days), of which: |
13,780 |
| Number of overdue loans between 30 and 90 days |
1,986 |
| Number of overdue loans more than 91 days |
4,104 |
| Due amount (RON millions), of which: |
21,276 |
| -Total overdue amount (including amounts overdue less than 30 days), of which: |
890 |
| Overdue amounts between 30 and 90 days |
25 |
| Overdue amounts more than 91 days |
863 |
*including “Prima casă” loans granted according to the provisions of Government Emergency Ordinance No. 60/2009 on several steps for implementing the “Prima Casă” Program. The loans can also have other types of collateral, such as collateral deposits.
Table 4
| Other loans* with real estate collateral** |
| Number of borrowers1, of which: |
159,148 |
| -Total number of borrowers with overdue amounts (including the overdue 30 days at most), of which: |
39,003 |
| Number of borrowers with overdue amounts between 30 and 90 days |
8,603 |
| Number of borrowers with overdue amounts more than 91 days |
11,393 |
| Number of loans, of which: |
169,314 |
| -Total number of overdue loans (including the loans overdue less than 30 days), of which: |
41,403 |
| Number of overdue loans between 30 and 90 days |
9,033 |
| Number of overdue loans more than 91 days |
12,264 |
| Due amount (RON millions), of which: |
23,839 |
| - Total overdue amount (including amounts overdue less than 30 days), of which: |
2,373 |
| Overdue amounts between 30 and 90 days |
16 |
| Overdue amounts more than 91 days |
2,346 |
* e.g. consumer loans, overdraft facility etc.
** Real estate collateral includes residential buildings, commercial buildings, land and other real estate mortgages.
1 It refers to the number of distinct borrowers, not to the arithmetic total of borrowers included in tables 2, 3 and 4, as a borrower can have more types of loans granted with different debt services; therefore, they can be found repeatedly in the report.
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