According to BDL statistics, the combined balance sheet of commercial banks operating in Lebanon narrowed by 0.44% (LBP 40.38 trillion) during the first nine months of the year 2025 to LBP 9,191.23 trillion, down from LBP 9,231.60 trillion in December 2024. On an annual basis, the combined assets of the resident banking sector came in 1.14% lower than the LBP 9,297.34 trillion reading reported at end of September 2024.

On the funding side of the balance sheet, customer deposits dropped by 0.22% (LBP 17.61 trillion) YTD September 2025 to LBP 7,967.80 trillion with resident private sector deposits decreasing by 1.43% (LBP 86.62 trillion) to LBP 5,975.54 trillion, non-resident private sector deposits increasing by 2.78% (LBP 52.10 trillion) to LBP 1,923.78 trillion, and public sector deposits rallying by 32.78% (LBP 16.91 trillion) to LBP 68.48 trillion. From a currency denomination standpoint, deposits in Lebanese Pounds rose by 43.59% (LBP 33.36 trillion) YTD September to LBP 109.90 trillion while foreign currency deposits dropped by 0.64% ($569.48 million) to $87.80 billion. On a monthly basis, LBP deposits increased by LBP 8.03 trillion in September with FC deposits decreasing by $130.94 million. In this context, the deposit dollarization rate reached 98.62% at end of September 2025 in comparison with 99.04% at end of year 2024 and 99.08% a year earlier. On an annual basis, total customer deposits narrowed by 1.34% (LBP 108.43 trillion) from a reading of LBP 8,076.24 trillion at end of September 2024.

On the lending front, loans to the private sector (residents and non-residents) receded by 9.51% (LBP 50.58 trillion) during the first nine months of 2025 to LBP 481.53 trillion, down from LBP 532.11 trillion in December 2024. More specifically, LBP denominated loans decreased by 10.64% (LBP 1.23 trillion) YTD September 2025 to LBP 10.35 trillion with foreign currency loans dropping by 9.48% ($551.39 million) to $5.26 billion. On a monthly basis, LBP denominated loans increased by LBP 1.72 trillion with FC denominated ones contracting by $48.66 million. The ratio of loans to deposits attained 6.04% at end of September 2025 compared to 6.66% at end of 2024 and 6.69% at end of September of the previous year. More specifically, the ratio of LBP-denominated private sector loans to total LBP deposits stood at 9.42% in September compared to 15.13% in December 2024 and 15.12% a year earlier while the ratio of foreign currency-denominated private sector loans to total foreign currency deposits reached 5.99% at end of September 2025 in comparison with 6.58% at end of December 2024 and 6.61% a year earlier. On an annual basis, the loans portfolio also sank by 10.89% (LBP 58.83 trillion) from LBP 540.35 trillion at end of September 2024.

The combined capital accounts of commercial banks operating in Lebanon increased by 2.59% (the equivalent of $123.82 million or the counter value of LBP 11.08 trillion) in the first nine months of 2025 to LBP 439.62 trillion ($4.91 billion) from LBP 428.54 trillion ($4.79 billion) at end of year 2024. On a monthly basis, the combined capital accounts increased by LBP 35.36 trillion ($395.08 million) in September after having  decreased by LBP 23.51 trillion ($262.72 million) in August. The monthly increase in the capital accounts of the resident banking sector may be attributed to the 9.15% ($249.61 million) appreciation in the value of “other securities” coupled with some 2.74% ($60.00 million) rise in the value of Lebanese sovereign Eurobonds. On an annual basis moreover, the combined equity of the resident banking sector rose by 7.38% (LBP 30.20 trillion, around $0.34 billion) when benchmarked to the LBP 409.42 trillion ($4.57 billion) reading reported at end of September 2024.