The results of the TCMB Bank Loans Trend Survey have been announced.

Central Bank of the Republic of Turkey's (CBRT) Bank Credit Survey: 2025 Expectations

The Central Bank of the Republic of Turkey (CBRT) published its bank credit survey for the fourth quarter of 2025. According to the survey, there is a limited easing in the credit standards applied by banks.

Significant Easing in Short-Term Loans

Detailed examinations revealed a noticeable easing in the standards applied to short-term loans. However, a more limited easing was observed in the practices concerning long-term loans.

Credit Standards by Currency

In terms of currency, there was a significant easing in standards for Turkish Lira (TL) loans, while the tendency continued to tighten for Foreign Currency (FC) loans.

Status and Expectations for SMEs

When analyzed by scale, the standards applied to loans for Small and Medium-Sized Enterprises (SMEs) showed a noticeable easing, while the standards for large enterprises tightened.

Status of Housing and Vehicle Loans

A limited easing is expected in the standards applied to housing and vehicle loans, while no changes were observed in other personal loans. In the first quarter of this year, the general expectations of banks regarding business loans are positive and suggest that easing will continue.

Demand for Business Loans to Continue Increasing

In the fourth quarter of last year, demand for loans to businesses decreased, but this year it has shifted to an increase. An upward trend is observed in the demand for both short and long-term loans. Demand for TL loans has increased, and a similar trend is also observed in demand for FC loans.

Limited Increase in Funding Conditions Expected

While the funding conditions within Turkey are easing, a limited increase is expected in foreign funding conditions. Observations made on credit conditions and rules indicate a change in banks' risk-taking capacities.