The results of the Central Bank of the Republic of Turkey (TCMB) Bank Loans Trends Survey have been announced.

TCMB's Bank Loan Trend Survey: Expectations for 2025

The Central Bank of the Republic of Turkey (TCMB) published its bank loan trend 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 significant easing in the standards applied to short-term loans. In contrast, a more limited easing was observed in the implementation of long-term loans.

Credit Standards by Currency

In terms of currency, a significant easing in standards for Turkish Lira (TL) loans was reported, while a tightening trend continued for Foreign Currency (FC) loans.

Situation and Expectations of SMEs

When examined by scale, the standards applied to loans for Small and Medium-sized Enterprises (SMEs) showed a notable easing, while standards for larger enterprises tightened.

Situation in 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, banks' general expectations for business loans are positive, indicating that the easing will continue.

Continued Increase in Demand for Business Loans

While demand for loans given to businesses decreased in the fourth quarter of last year, this year, it has shifted towards an increase. An upward trend in short- and long-term loan demand has been observed. Demand for TL loans is increasing, and a similar trend has been observed in demand for FC loans.

Limited Increase in Funding Conditions Expected

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