The CBRT published the Bank Loans Trend Survey. According to the results of the questionnaire, currently strict credit conditions are expected to relax from the third quarter.
According to the same survey, the second quarter of the year was seen to see the tightness of credit conditions.
Companies are expected to increase the demand for loans from the third quarter of the year.
The result of the questionnaire is as follows;
“When the results of the bank loans tendency surveys, including the evaluations of the banks about the second quarter of 2025 and the expectations of the third quarter of 2025, were examined (1) (1), in the second quarter of 2025, the standards used by the banks to the loans used to the enterprises were generally tightened. While there is no significant change in the standards applied to TL loans in terms of money, the standards applied to the YP loans are tightened, and in terms of scale, there was no significant change in the standards given to SMEs. It is generally that the standards applied will generally relax, except for the YP loans and loans given to large enterprises.
In the second quarter of 2025, it is seen that there was no significant change in the standards applied to housing and vehicle loans, mostly standards applied to other individual loans consisting of consumer loans. For the third quarter of 2025, the expectation of banks is that there will be no significant change in the standards applied to all individual loans.
When the results of the questionnaire are examined in terms of credit request, the demands given to the enterprises increased in general. When the sub -breaks are examined; While the long -term loan demand remains basically the same, there is some decrease in TL loan request and other loans given to enterprises, especially SME loan requests, increases in demand.
In the third quarter of 2025, a significant increase in demand for all loans given to enterprises is expected. In the second quarter of 2025, the increase in housing loan demand and demand for vehicles and other individual loans decreased.
For the third quarter of 2025, the expectation of banks is that there will be no significant change in demand for all individual loans. When the development of the funding opportunities of banks was examined, in the second quarter of 2025, some tightening was observed in domestic funding conditions and some tightening in overseas funding conditions. In the third quarter of 2025, domestic and international funding conditions are expected to relax. “
