Commercial Banks Assets Down to $102.01B in January 2026

According to Lebanon’s consolidated commercial banks’ balance sheet, total assets declined by 0.99% on year over year (YoY) basis to stand at $102.01B in January 2026 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 75.54% of total assets; they dropped annually by 3.00% to settle at $77.1B in January 2026. Deposits with the central bank (BDL) represented 99.91% of total reserves, and decreased by 3.00% YoY, to reach $76.99B in January 2026. Furthermore, vault cash in Lebanese pound decreased by 9.10% on a yearly basis to stand at $70.42M by the same period.

Claims on resident customers, constituting 4.10% of total assets, shrank by 14.11% to stand at $4.2B in January 2026. Moreover, resident securities portfolio, representing 5.11% of total assets, decreased by 14.97% in January 2026 to stand at $5.21B. More specifically, the Eurobond holding recorded an increase of 11.38% since January 2025, to reach $2.62B (net of provisions) in January 2026. Additionally, claims on non-resident financial sector rose by 10.15% YoY to stand at $5.34B in January 2026.

On the liabilities side, resident customers’ deposits were the main account, representing 63.57% of total liabilities; they dropped by 3.24% since January 2025 to reach $64.84B by the month of January 2026. In more details, deposits in foreign currencies (being 98.65% of resident customers’ deposits) declined by 3.43% YoY to reach $63.97B by January 2026, additionally deposits in LBP (1.35% of resident customers’ deposits) increased by 12.36% YoY to stand at $877.02M by January 2026. This reveals that a slightly higher proportion of deposits are now held in LBP, as the dollarization ratio for private sector deposits decreased from 99.05% in January 2025 to 98.87% in January 2026.

As for non-resident customers’ deposits, grasping 20.96% of total liabilities, they recorded a rise of 2.38% and stood at $21.4B in January 2026. In details, the deposits in LBP rose by 24.28% to reach $38.36M and deposits in foreign currencies increased by 2.35% to reach $21.34B over the same period. In addition, non-resident financial sector liabilities representing 2.24% of total liabilities decreased by 9.59% YoY to reach $2.3B in January 2026.

Lastly, the capital accounts stood at $4.75B, higher by 1.69% than January 2025, noting that only about 10% of those are in LBP.

Commercial Banks Total Assets and Resident Customer Deposits in January 2026 ($B)

_{Source: BDL, BLOMINVEST}

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