The Central Bank stated that in the fourth quarter of 2024, banks expect a relaxation in the standards applied to housing loans, and the tightening trend in standards applied to auto loans will end. The “Bank Loans Sentiment Survey” by TCMB was published, including evaluations for the third quarter of 2024 by banks and expectations for the fourth quarter of the same year. According to the survey, when the sub-breakdowns of the third quarter of this year were analyzed, tightening in standards applied to all types of loans was observed. While tightening in standards applied to all types of individual loans continued in the third quarter of this year, banks’ expectation for the last quarter is that standards applied to housing loans will start to relax, the tightening trend in standards applied to auto loans will end, and the tightening trend in standards applied to other types of individual loans will continue. CREDIT DEMAND When the survey results were examined in terms of credit demand, overall, the decrease in demand for loans granted to businesses continued weakly in the third quarter of 2024. When the sub-breakdowns were examined, a decrease in demand for all loans except those opened in foreign currency was observed. It was stated that the expectation for the last quarter of this year is that the weakening decrease in demand for loans granted to businesses will continue. In the third quarter of 2024, the decrease trend in housing and other individual loan demands gave way to an increase, while the increase in auto loan demand seen in the previous quarter shifted back to a decrease. For the last quarter, banks’ expectation is that the increase in housing and other individual loan demands will continue, and the decrease in auto loan demand will return to an increase. FUNDING CONDITIONS When the development of banks’ funding opportunities was examined, it was observed that in the third quarter of 2024, there was a tightening trend in domestic funding conditions and a relaxation trend in foreign funding conditions. For the last quarter of the year, it is expected that the tightening in domestic funding conditions will give way to relaxation, while the relaxation in foreign funding conditions is expected to strengthen.