Commercial Banks Assets Down to $102.3B by December 2025

According to Lebanon’s consolidated commercial banks’ balance sheet, total assets declined by 0.44% on year over year (YoY) basis to stand at $102.3B by December 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 75.74% of total assets; they dropped annually by 2.73% to settle at $77.5B in December 2025. Deposits with the central bank (BDL) represented 99.91% of total reserves, and decreased by 2.72% YoY, to reach $77.41B in December 2025. Furthermore, vault cash in Lebanese pound decreased by 12.29% on a yearly basis to stand at $70.37M by the same period.

Claims on resident customers, constituting 4.10% of total assets, shrank by 10.01% to stand at $4.2B in December 2025. Moreover, resident securities portfolio, representing 5.22% of total assets, decreased by 14.64% in December 2025 to stand at $5.33B. More specifically, the Eurobond holding recorded an increase of 5.44% since December 2024, to reach $2.33B (net of provisions) in December 2025. Additionally, claims on non-resident financial sector rose by 14.91% YoY to stand at $5.4B by December 2025.

On the liabilities side, resident customers’ deposits were the main account, representing 63.69% of total liabilities; they dropped by 2.79% since December 2024 to reach $65.2B by the month of December 2025. In more details, deposits in foreign currencies (being 98.70% of resident customers’ deposits) declined by 3.05% YoY to reach $64.31B by December 2025, additionally deposits in LBP (1.30% of resident customers’ deposits) increased by 21.91% YoY to stand at $846.55M by December 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 99.14% in December 2024 to 98.91% in December 2025.

As for non-resident customers’ deposits, grasping 20.93% of total liabilities, they recorded a rise of 2.39% and stood at $21.41B in December 2025. In details, the deposits in LBP rose by 19.53% to reach $36.29M and deposits in foreign currencies increased by 2.37% to reach $21.4B over the same period. In addition, non-resident financial sector liabilities representing 2.18% of total liabilities decreased by 11.12% YoY to reach $2.23B in December 2025.

Lastly, the capital accounts stood at $4.72B, lower by 2.04% than December 2024, noting that only about 10% of those are in LBP.

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

_{Source: BDL, BLOMINVEST}

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