11.11.2026 23:00
The Central Bank increased the growth limits applied to consumer, vehicle, and commercial loans. With the new regulation, the eight-week growth limit for consumer and vehicle loans was raised to 3.5 percent, for SME loans to 5.5 percent, and for other commercial loans to 2.5 percent. A change was also made to the reserve requirement practice regarding banks' long-term liabilities.
The Central Bank of the Republic of Türkiye (TCMB) has introduced a new regulation in its macroprudential measures for banks' lending. With the announcement dated November 11, 2026, the eight-week growth limits for Turkish lira-denominated consumer and commercial loans were increased by 0.5 points each.
NEW LIMIT FOR PERSONAL NEED AND VEHICLE LOANS IS 3.5 PERCENT
According to the Central Bank's press release No. 2026-49, the eight-week growth limit applied at 3 percent for personal need loans has been raised to 3.5 percent.
The same increase will also apply to vehicle loans. Thus, banks have been given the opportunity for more loan growth in these loan types compared with the previous period.
AN INCREASE WAS ALSO MADE IN COMMERCIAL LOANS
The regulation was not limited to individual loans. Growth limits have also been redefined for Turkish lira loans extended to businesses.
For loans granted to small and medium-sized enterprises (SMEs), the eight-week growth limit was raised from 5 percent to 5.5 percent.
For Turkish lira loans used by businesses outside the scope of SMEs, the limit of 2 percent was raised to 2.5 percent.
REQUIRED RESERVES WILL BE PAID IN TURKISH LIRA
In addition to loan growth limits, the TCMB also made a new decision regarding the required reserves of banks and financing companies.
Accordingly, interest or compensation payments in Turkish lira will be made on required reserves established for non-deposit liabilities in Turkish lira and foreign currency with a maturity of more than one year.
The Central Bank stated that the regulations were implemented to maintain macrofinancial stability and support the transmission of monetary policy to the financial system.