18.04.2025 15:52
According to the data from the Banking Regulation and Supervision Agency (BDDK), the collection bottleneck in banks' loan receivables is growing. The increase in overdue receivables has reached 17% since the beginning of the year, and it is anticipated that access to financing will become more difficult.
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The latest data from the Banking Regulation and Supervision Agency (BRSA) shows that banks' receivables from loans have entered a bottleneck, with the growth rate of non-performing loans (NPL) increasing approximately sixfold compared to last year, rising from 3.9% to 22% as of April 4. While the increase in NPL approaches 10 billion TL per week, the monthly average increase in NPL, which was 12.3 billion TL last year, has reached 23 billion TL this year. By the end of 2024, the amount of NPLs held by banks, which was 294 billion TL, rose to 358.3 billion TL in the week of April 4, while the growth rate of NPLs increased from 3.9% in the same period last year to approximately 22% this year.
THE INCREASE IN NPL ACCELERATED IN THE LAST 4 WEEKS FOLLOWING THE OPERATIONS ON MARCH 19
According to the latest figures indicating that the bottleneck in the collection of individual loans and credit card receivables by banks has spread to companies and commercial loans, the amount of NPLs, which was 177 billion TL at the beginning of the year, rose to 207.3 billion TL at the beginning of April. The increase rate in NPLs since the beginning of the year has been 17%, while the sharp fluctuations experienced since the operations on March 19 have accelerated the increase in NPLs in the last four weeks following negative developments in all indicators. The weekly growth rate of NPLs has risen to 7.2%, while the monetary amount of weekly NPL increase in individual and commercial loans has reached 9.3 billion TL. Therefore, the receivables from loans that banks could not collect have entered a process of approximately 10 billion TL increase per week recently, while the legal follow-up processes and amounts are also increasing significantly. The average monthly increase in NPLs, which was 12.7 billion TL in 2024, has reached 23 billion TL as of April 4 this year, doubling compared to last year. While the ratio of NPLs to banks' net profit was 23% last year, this ratio has risen to 39% by the end of the first four months of this year.
ACCESS TO FINANCE AND LOANS WILL BECOME MORE DIFFICULT, AND BANKRUPTCIES AND INSOLVENCIES WILL INCREASE
Despite interest rate cuts, the acceleration in the increase of NPLs indicates that the wheels of the economy are slowing down, and companies are rapidly being pushed into a bottleneck in repaying their loan debts. Following the interest rate decision of 46% on April 17, it is expected that the process will accelerate even further. Individual and commercial loan interest rates have started to rise after the recent increase decision. On one hand, as a result of the increase in NPLs, loan interest rates are rising, while on the other hand, the Central Bank's policy interest rate being raised to 46% has led to a significant increase in commercial loan interest rates. Companies that have long struggled to access finance are expected to face even more serious difficulties with this latest decision. The data on NPLs indicate that the situation regarding bankruptcies and insolvencies will worsen; there will be an explosion in the amounts of loans subject to legal follow-up, individual loan borrowers facing enforcement, and commercial loan borrowers facing seizures.
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