"The Turkish Lira will be prominent in banking in 2026."

Banks' New Strategy: Priority on Turkish Lira

By 2026, significant changes are expected in the banking sector. In addition to complying with the Basel III Final regulation, strong policies will be implemented to increase the assets denominated in Turkish lira as the main value preservation instrument in Turkey's financial system. Steps will be taken to strengthen households' and firms' liabilities and assets in Turkish lira.

Compliance with Global Standards

Regulations aimed at increasing the share of Turkish lira deposits in the banking sector's liabilities will also be integrated into European Union legislation. In this context, mechanisms will be established to support the healthy development of competition between non-bank payment service providers and banks.

Innovative Steps in Digital Payments

In 2026, digital solutions will be implemented to enhance the efficiency and interoperability of payment systems. The use of community cloud will be widespread to ensure that banks and payment service providers can access the necessary infrastructures under equal conditions. This will reduce operational costs across the sector.

Growth Figures in the Banking Sector

As of August 2025, there are a total of 67 banks operating in Turkey's banking sector. Of these banks, 38 are deposit banks, 20 are development and investment banks, and 9 are participation banks. The total asset size of the banking sector has been recorded at 41.9 trillion lira. There is a remarkable annual increase of %41.1 in Turkish lira terms.

Loan Distribution and Economic Outlook

As of August 2025, the total credit volume of banks has reached 20.6 trillion lira. Of these loans, 46% are corporate loans, 26.2% are SME loans, 12.2% are consumer loans, and 15.7% are from credit cards. Economic stability is being sought through a tight monetary stance and macroprudential measures.

Deposit Insurance and Security

A total of 38 deposit banks and 9 participation banks are registered under the deposit insurance system. For the year 2025, deposits and participation funds up to 950 thousand lira are guaranteed by the Savings Deposit Insurance Fund (TMSF). The amount of insured deposits has reached 6.7 trillion lira, constituting %28.1 of total deposits.