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

TCMB's Bank Credit Trends Survey: 2025 Expectations

The Central Bank of the Republic of Turkey (CBRT) published its bank credit trends 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 have revealed a significant easing in the standards applied to short-term loans. In contrast, a more limited easing has been observed in the practices regarding long-term loans.

Credit Standards by Currency

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

Status and Expectations of SMEs

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

Status of Housing and Vehicle Loans

A limited easing is expected in the standards applied to housing and vehicle loans, whereas no changes were observed in other individual loans. In the first quarter of this year, banks' general expectations regarding business loans are positive, with an expectation of continued easing.

Continued Increase in Demand for Business Loans

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

Limited Increase Expected in Funding Conditions

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