Commercial Banks Assets Down to $102.7B by September 2025
According to Lebanon’s consolidated commercial banks’ balance sheet, total assets declined by 1.14% on year over year (YoY) basis to stand at $102.7B by September 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 76.84% of total assets; they dropped annually by 3.01% to settle at $78.91B in September 2025. Deposits with the central bank (BDL) represented 99.88% of total reserves, and decreased by 3.05% YoY, to reach $78.81B in September 2025. Furthermore, vault cash in Lebanese pound increased by 34.50% on a yearly basis to stand at $96.99M by the same period.
Claims on resident customers, constituting 4.27% of total assets, shrank by 13.08% to stand at $4.4B in September 2025. Moreover, resident securities portfolio, representing 5.18% of total assets, decreased by 1.67% in September 2025 to stand at $5.32B. More specifically, the Eurobond holding recorded an increase of 1.47% since September 2024, to reach $2.25B (net of provisions) in September 2025. Additionally, claims on non-resident financial sector rose by 19.43% YoY to stand at $5.12B by September 2025.
On the liabilities side, resident customers’ deposits were the main account, representing 64.34% of total liabilities; they dropped by 2.36% since September 2024 to reach $66.1B by the month of September 2025. In more details, deposits in foreign currencies (being 98.74% of resident customers’ deposits) declined by 2.70% YoY to reach $65.24B by September 2025, additionally deposits in LBP (1.26% of resident customers’ deposits) increased by 34.86% YoY to stand at $835.32M by September 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 99.25% in September 2024 to 98.96% in September 2025.
As for non-resident customers’ deposits, grasping 20.93% of total liabilities, they recorded a rise of 2.00% and stood at $21.5B in September 2025. In details, the deposits in LBP rose by 44.22% to reach $44.58M and deposits in foreign currencies increased by 1.93% to reach $21.5B over the same period. In addition, non-resident financial sector liabilities representing 2.24% of total liabilities and decreased by 10.12% YoY to reach $2.30B in September 2025.
Lastly, the capital accounts stood at $4.91B, higher by 7.38% than September 2024, noting that only about 10% of those are in LBP.
Commercial Banks Total Assets and Resident Customer Deposits in September 2025 ($B)
