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

TCMB's Bank Loan Trend Survey: 2025 Expectations

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 that there is a significant easing in the standards applied to short-term loans. In contrast, a more limited easing was observed in the practices concerning long-term loans.

Loan Standards by Currency

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

Status and Expectations for SMEs

When examined by scale, the standards applied to loans for Small and Medium-Sized Enterprises (SMEs) showed a significant easing, while the standards for large enterprises were noted to be tightening.

Status of Housing and Auto Loans

A limited easing is expected in the standards applied to housing and auto 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, indicating that easing will continue.

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 has been a rise in demand for both short-term and long-term loans. Demand for TL loans is increasing, while a similar trend is observed in demand for YP loans.

Limited Increase Expected in Funding Conditions

While the funding conditions within Turkey are easing, a limited increase is anticipated in overseas funding conditions. Observations regarding loan conditions and rules indicate changes in banks' risk-taking capacities.