According to BDL statistics, the combined balance sheet of commercial banks operating in Lebanon narrowed by 1.05% (LBP 97.18 trillion) during the first ten months of the year 2025 to LBP 9,134.43 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 1.29% lower than the LBP 9,253.95 trillion reading reported at end of October 2024.

On the funding side of the balance sheet, customer deposits dropped by 0.79% (LBP 62.86 trillion) YTD October 2025 to LBP 7,922.55 trillion with resident private sector deposits decreasing by 2.11% (LBP 128.09 trillion) to LBP 5,934.07 trillion, non-resident private sector deposits increasing by 2.60% (LBP 48.66 trillion) to LBP 1,920.33 trillion, and public sector deposits rallying by 32.14% (LBP 16.58 trillion) to LBP 68.15 trillion. From a currency denomination standpoint, deposits in Lebanese Pounds rose by 36.48% (LBP 27.92 trillion) YTD October to LBP 104.46 trillion while foreign currency deposits dropped by 1.15% ($1.01 billion) to $87.35 billion. On a monthly basis, LBP deposits decreased by LBP 5.44 trillion in October with FC deposits decreasing by $444.84 million. In this context, the deposit dollarization rate reached 98.68% at end of October 2025 in comparison with 99.04% at end of year 2024 and 99.09% a year earlier. On an annual basis, total customer deposits narrowed by 1.51% (LBP 121.17 trillion) from a reading of LBP 8,043.72 trillion at end of October 2024.

On the lending front, loans to the private sector (residents and non-residents) receded by 8.15% (LBP 43.37 trillion) during the first ten months of 2025 to LBP 488.73 trillion, down from LBP 532.11 trillion in December 2024. More specifically, LBP denominated loans decreased by 12.20% (LBP 1.41 trillion) YTD October 2025 to LBP 10.17 trillion with foreign currency loans dropping by 8.06% ($468.84 million) to $5.35 billion. On a monthly basis, LBP denominated loans dropped by LBP 0.18 trillion with FC denominated ones increasing by $82.55 million. The ratio of loans to deposits attained 6.17% at end of October 2025 compared to 6.66% at end of 2024 and 6.76% at end of October of the previous year. More specifically, the ratio of LBP-denominated private sector loans to total LBP deposits stood at 9.73% in October compared to 15.13% in December 2024 and 16.45% a year earlier while the ratio of foreign currency-denominated private sector loans to total foreign currency deposits reached 6.12% at end of October 2025 in comparison with 6.58% at end of December 2024 and 6.67% a year earlier. On an annual basis, the loans portfolio also sank by 10.08% (LBP 54.81 trillion) from LBP 543.55 trillion at end of October 2024.

The combined capital accounts of commercial banks operating in Lebanon decreased by 0.31% (the equivalent of $14.88 million or the counter value of LBP 1.33 trillion) in the first ten months of 2025 to LBP 427.20 trillion ($4.77 billion) from LBP 428.54 trillion ($4.79 billion) at end of year 2024. On a monthly basis, the combined capital accounts decreased by LBP 12.41 trillion ($138.71 million) in October after having increased by LBP 35.36 trillion ($395.08 million) in September. The monthly decrease in the capital accounts of the resident banking sector may be attributed to the 5.15% ($153.29 million) depreciation in the value of “other securities” coupled with some 2.97% ($66.68 million) drop in the value of Lebanese sovereign Eurobonds, outweighing the 6.79% ($100.63 million) rise in the value of tangible assets. On an annual basis however, the combined equity of the resident banking sector rose by 3.48% (LBP 14.37 trillion, around $0.16 billion) when benchmarked to the LBP 412.83 trillion ($4.61 billion) reading reported at end of October 2024.