The number of applications recorded in the first three months of the year (968 applications) shows a slight QoQ increase of approximately 6% in the current year, compared to Q1 2025 (916 applications). Some consumers continued to experience genuine difficulties in making the due payments, and these justified circumstances required identification of solutions to rebalance the contractual obligations (with the applications being submitted directly to creditors, or via ABDRC).
The number of casefiles formed at the end of Q1 2026 reached 197, all of which concern banks. By way of comparison, 189 casefiles were formed in the first three months of 2025, which means an increase by approximately 5% of this statistical indicator in the current year.

In 96% of the requests submitted by consumers and accepted by banks, the reported issues were resolved and the parties reached an amicable agreement outside the courts. Only 37 negotiations conducted last year failed to result in a compromise, and in 12 cases one of the parties withdraw from the conciliation procedure. In 2025, 909 negotiation cases were opened with banks and 2 negotiation cases with NBIs. The proportion of requests transformed into cases is higher in 2025 even compared to 2024, when 1,078 cases were registered (the highest annual number of cases formed). In simpler cases, banks and NBIs resolved the requests directly, without going through the conciliation procedure. There were 336 direct resolutions in 2025.

During the first nine months of 2025, Romanians filed 2,121 applications for negotiation with banks and NBFIs. While the total number of applications fell in Q3 2025, we saw an increase in negotiable applications out of total applications. Thus, the share of negotiable applications out of total applications/Q3 2025 is 76.5%, compared to the share of negotiable applications in the same period last year/Q3 2024, which is 71.8%. This is due to a drop from 803 (in Q3 2024) down to 500 (in Q3 2025) in the number of applications for deregistration from the Credit Bureau (which cannot be negotiated via ABDRC, but are settled directly by the parties or are closed). Since the start of the year, 77 of the applications referred to banks for deregistration of entries from the Credit Bureau were settled directly by the latter institutions; the same happened also with 17 cases concerning NBFIs.

During the first six months of 2025, as many as 496 consumers went through the entire conciliation process: application filing, negotiation, final resolution ó a solution accepted by both parties (in 373 cases), or reached an amicable settlement directly with their banks/NBFIs, having first approached ABDRC (in 123 cases). In the six three months of the year, 39 court cases were closed because the parties wanted and managed to find an amicable solution with the help of ABDRC.

During the first three months of 2025, as many as 200 consumers went through the entire conciliation process: application filing, negotiation, final resolution ó a solution accepted by both parties in 143 cases, or reached an amicable settlement directly with their banks/NBFIs, having first approached ABDRC (in 57 cases).

In the first three months of the year, 9 court cases were discontinued because the parties wanted and managed to find an amicable solution with the aid of ABDRC.

Over its close to 9 years of operational activity, ABDRC has proven that this new paradigm – an alternative way of resolving disputes – is a win-win approach for both consumers and traders. Until the end of 2024, 4,237 cases concluded with the parties coming to terms with the aid and facilitation of one of ABDRC’s conciliators. To this add another 2,392 amicable settlements between the parties, after consumers having firsts referred the matter to the Banking ADR Centre.

The number of casefiles formed at the end of Q3 2024 reached 825. Only one negotiation file concerning NBFIs was formed, while all the others involved banks. By way of comparison, 575 casefiles were formed in the first nine months of 2023, which means an increase by 43% in the current year. Of the casefiles formed this year and settled until the end of the reference period, 721 concluded with a resolution (the parties accepted the solution proposed by the conciliator). This year, the reported number of resolutions is 721, compared to the similar period of the previous year, when only 475 resolutions were reported (an increase by 52% this year). (more…)

Descriere: In the first half of 2024, Romanians filed close to 1,900 applications for negotiation with banks and NBFIs. This means 20% more than in the first half of 2023. The number of negotiation cases (applications accepted by banks) reached 524, going up by 24% compared to H1 2023. The increase is even higher for resolutions (+31%). In 444 cases, the consumers came to terms with their banks, after both sides accepted the solution proposed by conciliators. The decrease in the number of direct settlements (172 such cases/H1 2024 vs 290 such cases at the end of H1 2023) and the increase in the number of negotiation cases shows that, in the first half of this year, banks preferred to address more issued raised by their customers via ABDRC, rather than inviting them to the bank for a direct settlement. (more…)

The total number of casefiles formed at the end of Q1 2024 reached 241, all involving banks (compared to the first three months of 2023, when 204 casefiles were formed, which means an increase of 18% in the current year). The share of cases resolved and concluded with a resolution (with the parties coming to terms) exceeds the figure of the similar period of last year. This year, the reported number of resolutions is 188, compared to the similar period of the previous year, when only 149 resolutions were reported (a 26% increase this year). (more…)