CBRT Bank Loans Tendency Survey Results Published

The results of the CBRT's Bank Loans Tendency Survey, which includes banks' evaluations for the third quarter of 2026 and their expectations for the fourth quarter of 2026, have been published.

According to the survey, the general evaluation of banks regarding the business loans they provide is that the tightening in the standards they apply continues to weaken, while the expectation is that the tightening in the standards applied to business loans will be replaced by loosening.

It is expected that the tightening in the standards applied to SMEs will be replaced by limited relaxation, and the tightening in the standards applied to the loans given to large enterprises will continue to weaken, while the relaxation in the standards applied to the loans given to SMEs will continue to strengthen, and the tightening in the standards applied to the loans given to large enterprises will be replaced by loosening.

It was observed that the tightening in the standards applied to short and long-term loans was replaced by loosening. The expectation was that the relaxation in the standards applied to short and long-term loans would continue.

The tightening in the standards applied to TL loans was replaced by loosening, and the tightening trend in the standards applied to FX loans continued at a weakening pace.

The tightening of standards applied to housing loans continued to grow stronger. The expectation was that there would be no significant change in the standards applied. The standards applied to vehicle loans remained essentially the same.

The decrease in housing loan demand continued. The expectation is that there will be no significant change in demand. While it was observed that the decrease in vehicle loan demand continued to weaken, the expectation was that the decrease in demand would continue to strengthen.

In the third quarter of 2026, it was observed that the tightening evaluations in domestic funding conditions were replaced by loosening evaluations, and the tightening evaluations in foreign funding conditions continued to weaken. In the fourth quarter of 2026, it is expected that the loosening in domestic funding conditions and the tightening in foreign funding conditions will continue.