Loan Demand of Businesses Increased

CREDIT DEMAND OF BUSINESSES INCREASED

In the third quarter of 2026, the increase in loan demand of SMEs and large enterprises continued to grow stronger. The increase in demand for short and long-term loans, as well as TL and foreign currency loans, also accelerated.

The main factors that increased the demand for business loans were debt restructuring, stock increase and working capital need.

The decrease in demand for housing and vehicle loans continued. The limited decline seen in other individual loans was replaced by a limited increase. The use of alternative financing in housing loans and expectations regarding the vehicle market and alternative financing options in vehicle loans stood out as the main factors reducing the demand. In other personal loans, consumer confidence increased demand.

RELAXATION IN NON-INTEREST FEES AND COMMISSIONS ON LOANS

According to the results of the survey regarding loan conditions and rules, the profit margin on average loans decreased in loans extended to businesses. There was a limited increase in profit margin for riskier loans.

While the conditions and rules regarding the size of the loan or credit limit and the need for collateral continue to tighten, there has been a relaxation in the conditions regarding fees and commissions received other than interest.

There was a significant increase in the profit margin on mortgage loans, both on average loans and on riskier loans. The conditions and rules applied to vehicle and other personal loans remained largely the same.