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

TCMB Bank Lending Trends Survey: 2025 Expectations

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

Loan Standards by Currency Type

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

Current Situation and Expectations of SMEs

When examined by size, the standards applied to loans given to Small and Medium-sized Enterprises (SMEs) showed a distinct easing, whereas the standards for larger businesses have tightened.

Current 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 easing will continue.

Increasing Demand for Business Loans

Whereas demand for loans to businesses decreased in the fourth quarter of last year, this year there has been a turnaround in demand. An increase in both short-term and long-term loan demand has been observed. Demand for TL loans is rising, and a similar trend is observed in the demand for FC loans.

Expectations of Limited Increase in Funding Conditions

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