Banks & Lending#
Banks lent to commercial borrowers in lira at 46.84% and to households at 60.41% in the week to 9 Oct 2026.
Notes
The commercial rate leaves out corporate overdraft accounts and corporate credit cards. The commercial rate minus the 3-month TL deposit rate was +3.64 pp. The latest CBRT Bank Loans Tendency Survey showed banks tightening credit standards for enterprises on net (-7.6%).
Lending rates#
These are weekly rates on newly disbursed and renewed loans.
Notes
Each is dated to the week in which banks set it. The commercial TL headline series leaves out corporate overdraft accounts and corporate credit cards. The all-commercial series is usually above it. The dotted red line is the policy rate, a step line. The dashed line is the weekly average of TLREF. Commercial USD and EUR loans have their own chart, because a TL rate and an FX rate never share one axis.
Consumer loans#
- Shows
- The weekly rate on new personal, vehicle and housing loans in lira.
- Each solid line
- One loan type. The legend gives the name.
- Dashed line
- The weekly average of TLREF.
- Dotted line
- The policy rate, as a step line.
- Read it as
- The gap between a loan line and the dashed line is what borrowers pay above the overnight market rate.
- Limit
- Bank rates are compound annual rates. TLREF and the policy rate are simple rates. The Margins section converts them before it subtracts.
- Terms
- Personal loan rate · Vehicle loan rate · Housing loan rate · TLREF, weekly average · Policy rate
Commercial TL loans#
- Shows
- The weekly rate on new commercial loans in lira, with and without overdraft accounts and corporate cards.
- Each solid line
- One series. The headline series leaves out corporate overdraft accounts and corporate credit cards.
- Dashed line
- The weekly average of TLREF.
- Dotted line
- The policy rate, as a step line.
- Read it as
- The all-commercial line is usually above the headline line.
- Limit
- Bank rates are compound annual rates. TLREF and the policy rate are simple rates. The Margins section converts them before it subtracts.
- Terms
- Commercial TL loan rate · Commercial TL loan rate, all · TLREF, weekly average · Policy rate
Commercial FX loans (USD / EUR)#
- Shows
- The weekly rate on new commercial loans in US dollars and in euros.
- Each line
- One currency. The legend gives the name.
- Limit
- Never compare these rates with lira rates. Foreign currency loans carry different inflation and currency risk.
- Terms
- Commercial USD loan rate · Commercial EUR loan rate
Shown on its own axis. Never compare a USD or EUR rate directly with a TL rate.
CBRT EVDS bie_kt100h (bank lending rates, weekly flow) · TLREF weekly average · CBRT policy rate · latest week to 09 Oct 2026
Deposit rates#
These are weekly rates on new TL term deposits, by maturity.
Notes
Each is dated to the week in which banks set it. Savings (real-person) and commercial deposits have separate rates. USD and EUR deposit rates have their own panel, because they never share an axis with a TL rate. The rate board puts every headline series of this page in one table.
TL deposits by maturity#
- Shows
- The weekly rate on new lira deposits, by maturity.
- Each solid line
- One maturity band. The legend gives the name.
- Dashed line
- The weekly average of TLREF.
- Dotted line
- The policy rate, as a step line.
- Read it as
- A line above the dashed line means that savers earn more than the overnight market rate, before conversion.
- Limit
- Bank rates are compound annual rates. TLREF and the policy rate are simple rates. The Margins section converts them before it subtracts.
- Terms
- 1-month TL deposit rate · 3-month TL deposit rate · 6-month TL deposit rate · 1-year TL deposit rate · Long-term TL deposit rate · TLREF, weekly average
Savings and commercial TL deposits#
- Shows
- The weekly rate on new lira deposits of real persons and of commercial entities.
- Each line
- One deposit group. The legend gives the name.
- Read it as
- A gap between the two lines shows who earns more.
- Terms
- TL savings deposit rate · TL commercial deposit rate
USD / EUR deposit rates#
- Shows
- The weekly rate on new dollar and euro deposits.
- Each line
- One currency. The legend gives the name.
- Limit
- Never compare these rates with lira rates. Foreign currency deposits carry different inflation and currency risk.
- Terms
- USD deposit rate · EUR deposit rate
This panel has its own axis. Never plot these rates on the same axis as TL rates.
Rate board: loans and deposits#
- Shows
- The latest weekly rate of ten loan and deposit products, with its change over three periods.
- Each row
- One product.
- Latest week
- The rate and the date of the week.
- Change
- The latest rate minus the rate 4 weeks, 13 weeks and 1 year earlier.
- Read it as
- A positive change means that the rate rose. This is not good or bad: a loan rate that rises costs borrowers more.
- Click
- Click a value to see its calculation.
- Limit
- Do not compare dollar and euro rows with lira rows.
- Terms
- Latest week · Change in 4 weeks · Change in 13 weeks · Change in 1 year
| Product | Latest week, % | Change in 4 weeks, pp | Change in 13 weeks, pp | Change in 1 year, pp |
|---|---|---|---|---|
| Personal loan rate | 62.21% (9 Oct 2026) | -1.93 | -2.08 | +1.75 |
| Vehicle loan rate | 39.77% (9 Oct 2026) | -0.76 | -6.40 | +0.46 |
| Housing loan rate | 41.66% (9 Oct 2026) | -0.27 | +0.26 | +3.66 |
| Commercial TL loan rate | 46.84% (9 Oct 2026) | -1.82 | -1.37 | -2.23 |
| 3-month TL deposit rate | 43.20% (9 Oct 2026) | -0.70 | -5.07 | -6.75 |
| Long-term TL deposit rate | 37.57% (9 Oct 2026) | -0.43 | -2.51 | +3.91 |
| TL savings deposit rate | 43.60% (9 Oct 2026) | -0.70 | -3.98 | -6.74 |
| TL commercial deposit rate | 42.73% (9 Oct 2026) | -1.28 | -4.62 | -4.66 |
| USD deposit rate | 2.80% (9 Oct 2026) | +0.08 | +0.67 | +0.94 |
| EUR deposit rate | 1.55% (9 Oct 2026) | +0.03 | +0.18 | +0.50 |
CBRT EVDS bie_mt100h (bank deposit rates, weekly flow) · latest week to 09 Oct 2026
Margins#
These margins are the loan rate minus the deposit rate for three pairs, and the loan and deposit rates minus the cost of funding.
Notes
Each is put in the context of its own history. The bank rates (bie_kt100h and bie_mt100h) are effective, compound annual weighted averages, as the CBRT methodology for weekly rate statistics states. The policy rate and TLREF are simple annual quotes on an actual-over-365-days basis. The funding-cost panel converts them to the compound annual equivalent, (1 + r ÷ 365)^365 − 1, before it subtracts. So every spread on this page uses one basis. The loan-minus-deposit panel needs no conversion, because both sides already use the compound annual basis.
Loan minus deposit#
- Shows
- The loan rate minus the deposit rate, for three pairs.
- Each line
- One pair: commercial loans against 3-month deposits, consumer loans against 3-month deposits, housing loans against long deposits.
- Dotted grey line
- Zero.
- Read it as
- A higher line means that borrowers pay more over the cost of deposits.
- Limit
- Both rates are compound annual rates, so the subtraction needs no conversion.
- Terms
- Commercial margin · Consumer margin · Housing margin
Loan and deposit minus funding cost#
- Shows
- Loan and deposit rates minus the cost of overnight funding.
- Each line
- One gap: the commercial loan rate and the 3-month deposit rate against TLREF, and the commercial loan rate against the policy rate.
- Dotted grey line
- Zero.
- Read it as
- A higher line means a wider gap above the funding rate.
- Limit
- TLREF and the policy rate are converted to the compound basis first. The policy line needs a bank-rate week that falls on a policy effective date. These dates are rare, so the line can be empty.
- Terms
- Commercial TL minus TLREF · 3-month deposit minus TLREF · Commercial TL minus policy
Historical context#
- Commercial TL minus 3-month TL deposit: +3.64 pp (46.84% − 43.20%) in the week to 9 Oct 2026. It sits at percentile 86 of its own history. Context: the widest on record is +15.05 pp (24 Aug 2018).
- Consumer minus 3-month TL deposit: +17.21 pp (60.41% − 43.20%) in the week to 9 Oct 2026. It sits at percentile 99 of its own history. Context: the widest on record is +17.81 pp (11 Sep 2026).
- Housing minus long-term TL deposit: +4.09 pp (41.66% − 37.57%) in the week to 9 Oct 2026. It sits at percentile 78 of its own history. Context: the widest on record is +17.89 pp (11 Aug 2023).
CBRT EVDS bie_kt100h / bie_mt100h · TLREF weekly average · CBRT policy rate · latest week to 09 Oct 2026
Credit conditions#
In the CBRT Bank Loans Tendency Survey, a negative net percentage means that banks tightened credit standards on net.
Notes
A positive one means that they eased. For loan demand, a positive value means that demand rose. For standards, net percentage = share of banks that eased − share that tightened. For demand, net percentage = share that reported higher demand − share that reported lower demand. This follows the CBRT metadata. The US Federal Reserve survey of loan officers uses the opposite sign. The archive starts in Oct 2005. The latest survey is 1 Jul 2026.
Credit standards to enterprises#
- Shows
- The net share of banks that eased or tightened credit standards to enterprises, each quarter.
- Each line
- One kind of loan. The legend gives the name.
- Dotted grey line
- Zero.
- Read it as
- Below zero, banks tightened on net. Above zero, banks eased.
- Limit
- The sign is the opposite of the US Federal Reserve survey of loan officers.
- Terms
- Standards, overall · Standards, small firms · Standards, large firms · Standards, TL loans · Standards, FX loans
Standards: realised and expected next quarter#
- Shows
- Credit standards to enterprises: what banks reported, and what banks expect for the next quarter.
- Each line
- One of the two. The legend gives the name.
- Dotted grey line
- Zero.
- Read it as
- Below zero, banks tightened or expect to tighten on net.
- Terms
- Standards, overall · Standards, expected
Loan demand#
- Shows
- The net share of banks that reported higher or lower loan demand, each quarter.
- Each line
- One group of borrowers. The legend gives the name.
- Dotted grey line
- Zero.
- Read it as
- Above zero, demand rose on net. Below zero, demand fell.
- Terms
- Demand, enterprises · Demand, housing · Demand, vehicle · Demand, other consumer
What drove the 1 Jul 2026 survey#
- Shows
- The factors behind the latest change in credit standards to enterprises.
- Each bar
- One factor. The bars run from the most tightening to the most easing.
- Colour
- Violet made standards easier. Red made them tighter.
- Read it as
- The longest bar is the main driver of the latest change.
- Terms
- Factor effect, net
Violet bars made standards easier on net. Red bars made them tighter on net.
CBRT EVDS bie_bkea (Bank Loans Tendency Survey, quarterly) · latest 1 Jul 2026
Deposits#
The deposits that are subject to reserve requirements are 61% in TL and 39% in foreign currency.
Notes
The FX share (dollarisation) is the line to watch. The FX-protected deposit scheme (KKM), which started in December 2021, has now almost entirely unwound. The CBRT publishes the stocks of lira and foreign currency deposits in thousand ₺ and the foreign currency components in millions. The site converts both to billions.
TL and FX deposits (stock)#
- Shows
- The stock of lira deposits and of foreign currency deposits that are subject to reserve requirements, in ₺bn.
- Each line
- One currency group. The foreign currency line is in lira.
- Limit
- The foreign currency line rises when the lira loses value, even if the foreign currency amount does not change.
- Terms
- TL deposits · FX deposits
FX share of deposits (dollarisation)#
FX deposits subject to reserves, by currency#
- Shows
- Foreign currency deposits that are subject to reserve requirements, by currency.
- Each band
- One currency. The dollar and other bands are in billion dollars. The euro band is in billion euros.
- Limit
- The chart leaves out the precious metal deposit accounts. The bands do not add up to the CBRT total.
- Terms
- USD deposits · EUR deposits · Other FX deposits
The dollar and other bands are in dollars. The euro band is in euros. The chart leaves out the precious metal deposit accounts, which the CBRT lists separately. So the bands do not add up to the CBRT total.
KKM unwind#
- Shows
- The outstanding amount of the FX-protected deposit scheme, in billion dollars.
- Read it as
- A falling line means that the outstanding amount is shrinking.
- Limit
- The chart shows the dollar series of the CBRT. The lira series is not shown.
- Terms
- FX-protected deposits
The scheme stood at $4 million in Jul 2026. Its peak was $97.2bn in Jul 2023.
Participation funds#
Participation funds are subject to reserve requirements. They hold ₺1,567.8bn in lira accounts (week to 02 Oct 2026) and $34.98bn in foreign currency accounts (week to 02 Oct 2026).
CBRT EVDS bie_tldthvade (weekly) · bie_zorundth (weekly) · bie_kybkatfon (weekly) · bie_kkm (monthly) · latest week to 02 Oct 2026
Loans#
These are monthly loan stocks. Growth is shown over 3 months, annualised (the faster read), and over 1 year (the slower and less noisy read).
Notes
Neither bie_krehacbs nor bie_kmmbkre splits TL loans from FX loans: each reports one combined stock in TRY. So this section shows no TL and FX split. The Deposits section above gives that split for deposits.
Total loans by lender type#
- Shows
- Total domestic loans of banks, by type of lender, in ₺bn.
- Each band
- One type of lender. The top of the stack is the total.
- Limit
- Amounts are nominal. Inflation raises them.
- Terms
- Deposit money banks · Investment and development banks · Participation banks · Total domestic loans
Loan growth (system total)#
- Shows
- The growth of total domestic loans.
- Each line
- One growth measure: 3 months, annualised, and 1 year.
- Dotted grey line
- Zero.
- Read it as
- The 3-month line reacts faster. The 1-year line is steadier.
- Limit
- Growth is nominal. It includes inflation.
- Terms
- Loan growth, 3 months annualised · Loan growth, 1 year
Deposit-bank loans by borrower#
- Shows
- Loans of deposit money banks to three groups of borrowers, in ₺bn.
- Each band
- One borrower group.
- Limit
- The chart shows three groups. It leaves out other borrowers, such as financial institutions.
- Terms
- Loans to households · Loans to companies · Loans to government
Household loans by type#
- Shows
- Loans of deposit money banks to households, by type, in ₺bn.
- Each line
- One type of household loan. The legend gives the name.
- Limit
- Amounts are nominal. Inflation raises them.
- Terms
- Housing loans · Automobile loans · Consumer and other loans · Credit card balances
CBRT EVDS bie_krehacbs (monthly, by lender x sector) · bie_kmmbkre (monthly, deposit-money-bank loans by borrower) · latest Aug 2026
Asset quality#
The NPL ratio and balances come from the public weekly bulletin of BDDK, so they update every week, not every month.
Notes
NPL ratio = gross NPL ÷ (performing loans + gross NPL). The site converts amounts from the source unit of million ₺ to ₺bn. Credit Stress shows product NPL ratios and balances, including personal and corporate credit cards.
System NPL ratio#
- Shows
- The weekly non-performing loan ratio of the whole banking system.
- Read it as
- A rising line means that a larger part of the loans is not paid.
- Terms
- NPL ratio
NPL by loan type (amount)#
- Shows
- The amount of non-performing loans by loan type, in ₺bn.
- Each line
- One loan type. The legend gives the name.
- Limit
- Amounts are nominal. Inflation raises them.
- Terms
- NPL amount
Credit-card balances#
- Shows
- The balance of personal and corporate credit cards, in ₺bn.
- Each line
- One card type. The legend gives the name.
- Limit
- Amounts are nominal. Inflation raises them.
- Terms
- Performing loans
Personal cards: ₺3.47tn, +36.4% over 1 year (₺3.47tn ÷ ₺2.55tn − 1). Corporate cards: ₺1.12tn, +51.0% over 1 year (₺1.12tn ÷ ₺741.5bn − 1). These are balances of the whole sector in the week to 9 Oct 2026, in nominal ₺.
BDDK weekly bulletin (bddk_weekly.py) · latest week to 09 Oct 2026