The index thus continues the downward trend it started in late 2025, after it had topped 7% during summer months amid more restrictive liquidity conditions on the banking market.
The decline comes as the central bank kept its benchmark interest rate unchanged and the interbanking market benefited from more balanced liquidity conditions.
At the same time, the six-month ROBOR, used to calculate variable interest rates for mortgage loans in lei, stood at 6.09% on Tuesday, January 20, unchanged from the previous day, while the 12-month ROBOR slid to 6.26% from 6.27%.
The IRCC, which banks use to set the interest rate for new loans taken out since the spring of 2019, started 2026 falling to 5.68%, a value for the first quarter of 2026.
(English version by Catalina Apostoiu)