Non-performing loans are a reality of Romanian economy. The period 2006-2009 was characterized by easy crediting conditions and a boom in terms of personal loans and mortgages, which were followed by the economic crisis that struck Romania and triggered the emergence of bad loans and their growth in a rhythm described as alarming. Banks, under these conditions, proceeded to refinance, to reduce on savings’ interest, to reschedule the payment terms, their final aim being to reduce the number of bad loans that threaten banks’ performance. Immediate economic developments tend to worsen the situation of the debts Romanians have to banks and their efforts to recover them are still higher. At present the relationship between bank and clients is characterized by a special attention given to the determination of a certain client’s trustworthiness and the fact individual clients are more temperate in accessing credits, even if banks have tempting offers.