Commercial Banks Assets Down to $101.82B by November 2025

According to Lebanon’s consolidated commercial banks’ balance sheet, total assets declined by 1.16% on year over year (YoY) basis to stand at $101.82B by November 2025 amid BDL’s adoption of a new exchange rate of LBP 89,500 per USD effective 31/01/2024.

On the assets side, currency and deposits with Central Bank represented a high figure of 76.54% of total assets; they dropped annually by 2.91% to settle at $77.94B in November 2025. Deposits with the central bank (BDL) represented 99.90% of total reserves, and decreased by 2.93% YoY, to reach $77.86B in November 2025. Furthermore, vault cash in Lebanese pound increased by 19.02% on a yearly basis to stand at $77.04M by the same period.

Claims on resident customers, constituting 4.29% of total assets, shrank by 12.71% to stand at $4.4B in November 2025. Moreover, resident securities portfolio, representing 4.85% of total assets, decreased by 12.08% in November 2025 to stand at $4.94B. More specifically, the Eurobond holding recorded a decrease of 8.48% since November 2024, to reach $2.14B (net of provisions) in November 2025. Additionally, claims on non-resident financial sector rose by 15.93% YoY to stand at $5.05B by November 2025.

On the liabilities side, resident customers’ deposits were the main account, representing 64.39% of total liabilities; they dropped by 2.50% since November 2024 to reach $65.6B by the month of November 2025. In more details, deposits in foreign currencies (being 98.70% of resident customers’ deposits) declined by 2.84% YoY to reach $64.72B by November 2025, additionally deposits in LBP (1.30% of resident customers’ deposits) increased by 32.54% YoY to stand at $ 849.94M by November 2025. This reveals that a slightly higher proportion of deposits are now held in LBP, as the dollarization ratio for private sector deposits decreased from 99.21% in November 2024 to 98.95% in November 2025.

As for non-resident customers’ deposits, grasping 21.07% of total liabilities, they recorded a rise of 2.54% and stood at $21.45B in November 2025. In details, the deposits in LBP rose by 16.82% to reach $35.81M and deposits in foreign currencies increased by 2.52% to reach $21.45B over the same period. In addition, non-resident financial sector liabilities representing 2.25% of total liabilities decreased by 9.08% YoY to reach $2.3B in November 2025.

Lastly, the capital accounts stood at $4.73B, higher by 3.43% than November 2024, noting that only about 10% of those are in LBP.

Commercial Banks Total Assets and Resident Customer Deposits in November 2025 ($B)

_{Source: BDL, BLOMINVEST}

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