The Territorial Structure of Loans in Lei, by Destination, Granted to Non-Bank Clients in Romania in 2021

Abstract

The article considers the distribution of loans in lei in Romania by geographical areas during the period 2021, so we have made structures in territorial profile by grouping loans at county level. At the country level, the highest volume of loans is in the southern area, i.e. Muntenia, where it is normal that Bucharest county has the highest share in this region. At the level of geographical area, we observe that Brasov County dominates in the centre in terms of the volume of loans granted, in the North-West area Cluj County stands out with a share of 48.8% of the total of that area, Timis county is the county with the highest volume of loans granted in the Western area of Romania, also in the South-West Dolj county has a significant share even if it is half the value of the loans granted compared to Timis county. In the South-East area, the highest volume in that period was in Constanta County, which recorded 3 times the value of loans compared to Galati County. And finally in the Eastern area is Iasi County with a value of about 8,300 lei of loans granted in lei.

Keywords

• credit
• credit destination
• geographical areas
• outstanding loans
• restructuring