On the other hand, in the EU, the same determinant variable correlates itself, reversely, with the change in bank NPLs ratio, which expresses the fact that, on the totality of EU countries, inflation appears to have a stronger impact, by reducing the real value of loan to be repaid. At the same time, is highlighted, unlike Romania's case, also the reverse correlation between real GDP growth rate and change in inflation rate, and these observations lead us to