The BRSA lowered the asset ratio criterion applied for banks and Islamic financial institutions by 5 points down to 90% and 70%, respectively. The new rates will be effective from 1 October. We see that the steps towards normalization taken by decision-making and regulatory institutions in recent days continue.
Accordingly, the asset ratio has been revised as follows.
If we look at the decisions made in the last few days; The CBRT's interest rate hike, the BRSA's increase of foreign swap limits, and the latest normalization step in the asset ratio are successive and complementary steps in the sense of normalization. The active ratio is gradually lowered as small adjustments, and new revisions may come in the upcoming period if deemed necessary. In an environment where credit demand will decline due to increasing interest rates, banks will also increase their ability to focus on asset and liability management by slowing down loan growth in their balance sheets and to make loan outflows within the framework of their own risk assessments.
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