ROBOR is the average interbank interest rate in Romania, and the IRCC will be 5.55% between July and September 2025, increasing to 6.07%.

ROBOR reflects the average interest rate at which Romanian banks lend to each other, influenced by market liquidity and interest rates set by the NBR. The benchmark index for consumer credit, IRCC, will have a value of 5.55% between July 1 and September 30, 2025 and will increase to 6.07% thereafter. The IRCC is calculated quarterly, based on the average daily interbank interbank interest rate, and is applied with a one-quarter lag.