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Turkish banks pile on $186.5B in sectoral loans in 2025, up 45%

Aerial view of the Istanbul Financial Center, a major hub for banking, finance, and investment institutions in Istanbul, Türkiye. (Adobe Stock Photo)
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Aerial view of the Istanbul Financial Center, a major hub for banking, finance, and investment institutions in Istanbul, Türkiye. (Adobe Stock Photo)
February 17, 2026 01:31 PM GMT+03:00

Türkiye’s banking sector’s total cash loan volume across sectors reached ₺23.71 trillion ($542.18 billion) by the end of 2025, rising by ₺7.37 trillion, or 45%, from a year earlier, data from the Banking Regulation and Supervision Agency (BRSA) showed.

The figures include both standard loans and non-performing exposures and reflect continued expansion in credit across key sectors of the economy, despite the continuing tight monetary stance and high inflationary pressure.

Manufacturing leads loan surge

Manufacturing accounted for the largest share of lending, receiving ₺5.38 trillion, equivalent to 23% of total cash loans. Manufacturing also recorded the largest absolute increase in lending between December 2024 and December 2025, rising by ₺1.62 trillion, representing a 43% annual increase.

Wholesale and retail trade, including vehicle services and household goods, ranked second with ₺2.74 trillion in loans, accounting for 12% of total lending. The sector’s total loan volume increased by ₺849.13 billion during the year, reflecting a 45% rise.

The construction sector recorded the third-largest increase in lending value, rising by ₺500.72 billion, a 49% increase over the year.

Workers operate sewing machines in a textile manufacturing facility. (Adobe Stock Photo)
Workers operate sewing machines in a textile manufacturing facility. (Adobe Stock Photo)

Public, defense sectors post fastest loan growth

Defense, public administration and compulsory social security saw the fastest proportional increase, with loan volumes growing by 77.5% during the same period to ₺365.96 billion.

No sector recorded a decline in lending over the year.

Banks also provided ₺6.22 trillion in loans to small and medium-sized enterprises (SMEs) in 2025.

Meanwhile, the total non-performing loans across the sectors totaled ₺592.38 billion, with the largest share of it belonging to the manufacturing sector at ₺103.32 billion

February 17, 2026 01:38 PM GMT+03:00
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