While the credit volume in the banking sector is growing, there is a continued decline in KKM.

The Banking Regulation and Supervision Agency (BRSA) published the banking sector data for the week of March 21, 2025. The data revealed ongoing credit growth, a continued decline in Currency Protected Deposits (KKM), and an increase in non-performing loans.

Total loans exceeded 17.5 trillion TL, rising by 240 billion TL to reach 17 trillion 491 billion TL as of March 21. Compared to the beginning of the year, this marks an increase of 1 trillion 533 billion TL. Consumer loans rose to 2 trillion 160 billion TL, and individual credit card balances were recorded at 1 trillion 880 billion TL. Commercial loans also showed significant growth, reaching 13 trillion 451 billion TL, reflecting an increase of approximately 1.35 trillion TL since the start of the year. Non-performing loans increased by 6 billion TL to 348 billion TL, highlighting the risks associated with credit growth. The KKM balance decreased to 779 billion TL, marking a total decline of 330 billion TL since the beginning of the year. Total deposits surpassed 20 trillion TL, indicating a growing interest in TL deposits. The sector's foreign currency net position rose to 101 billion TL, signaling a relative balance in the banking sector's currency positions. Total securities assets increased by 144 billion TL, influenced by interest in government borrowing instruments.