According to BDL statistics, the combined balance sheet of commercial banks operating in Lebanon narrowed by 0.82% (LBP 75.33 trillion) during the year 2025 to LBP 9,156.27 trillion, down from LBP 9,231.60 trillion in December 2024.

On the funding side of the balance sheet, customer deposits dropped by 1.42% (LBP 113.63 trillion) during the year 2025 to LBP 7,871.78 trillion with resident private sector deposits decreasing by 2.89% (LBP 174.90 trillion) to LBP 5,887.26 trillion, non-resident private sector deposits increasing by 2.39% (LBP 44.66 trillion) to LBP 1,916.33 trillion, and public sector deposits rallying by 32.21% (LBP 16.61 trillion) to LBP 68.19 trillion. From a currency denomination standpoint, deposits in Lebanese Pounds rose by 45.43% (LBP 34.77 trillion) during the year 2025 to LBP 111.31 trillion while foreign currency deposits dropped by 1.88% ($1.66 billion) to $86.71 billion. On a monthly basis, LBP deposits increased by LBP 1.81 trillion in December with FC deposits decreasing by $513.69 million. In this context, the deposit dollarization rate reached 98.59% at end of December 2025 in comparison with 99.04% at end of year 2024.

On the lending front, loans to the private sector (residents and non-residents) receded by 12.51% (LBP 66.58 trillion) during the year 2025 to LBP 465.52 trillion, down from LBP 532.11 trillion in December 2024. More specifically, LBP denominated loans decreased by 10.00% (LBP 1.16 trillion) in 2025 to LBP 10.42 trillion with foreign currency loans dropping by 12.57% ($731.02 million) to $5.08 billion. On a monthly basis, LBP denominated loans receded by LBP 0.37 trillion with FC denominated ones decreasing by $212.87 million. The ratio of loans to deposits attained 5.91% at end of year 2025 compared to 6.66% at end of 2024. More specifically, the ratio of LBP-denominated private sector loans to total LBP deposits stood at 9.36% in December compared to 15.13% in December 2024 while the ratio of foreign currency-denominated private sector loans to total foreign currency deposits reached 5.86% at end of December 2025 in comparison with 6.58% at end of December 2024.

The combined capital accounts of commercial banks operating in Lebanon decreased by 1.38% (the equivalent of $66.00 million or the counter value of LBP 5.91 trillion) in 2025 to LBP 422.63 trillion ($4.72 billion) from LBP 428.54 trillion ($4.79 billion) at end of year 2024. On a monthly basis, the combined capital accounts decreased slightly by LBP 0.42 trillion ($4.66 million) in December after having dropped by LBP 4.16 trillion ($46.46 million) in November and by LBP 12.41 trillion ($138.71 million) in October. The monthly decrease in the capital accounts of the resident banking sector owes to some LBP 6.41 trillion drop in supplementary capital which outweighed the LBP 5.99 trillion increase in core capital.