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

TCMB's Bank Lending Trend Survey: Expectations for 2025

The Central Bank of the Republic of Turkey (TCMB) has published its bank lending 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 reveal a significant easing in the standards applied to short-term loans. However, a more limited easing was observed in the applications for long-term loans.

Credit Standards by Currency

Regarding currency, a significant easing of standards was reported for Turkish Lira (TL) loans, while a tightening trend continued in 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 clear easing, while standards for large enterprises were noted to have 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 regarding business loans are positive, indicating that the easing will continue.

Demand for Business Loans Expected to Continue to Rise

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

Limited Increase Expected in Funding Conditions

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