A written statement was made by the Banking Regulation and Supervision Agency (BDDK) regarding the risk weights of individual and housing loans.
The statement noted the following:
“As is known, within the scope of coordinated macroprudential measures taken to ensure confidence and stability in financial markets and the efficient operation of the credit system, more cautious risk weights were applied to individual loans and housing loans in banks’ capital adequacy calculations compared to international minimum standards.
As a result of the evaluations made, in accordance with the Board Decision dated 19/9/2024 and numbered 10964 and the Regulation on Measurement and Assessment of Capital Adequacy of Banks (Regulation), it was decided to repeal the Board Decision dated 31/7/2023 and numbered 10630 and the Board Decision dated 24/8/2023 and numbered 10655, in which more cautious risk weights were determined for vehicle loans for the purpose of purchasing passenger vehicles and loans with vehicle collateral and financial leasing transactions to be made, consumer loans, individual credit cards, and loans secured by residential real estate mortgages provided to consumers for the purpose of purchasing a house if the consumer, their spouse or their children under the age of 18 own at least one house, and to apply the risk weights determined in the Regulation to the said loans.
