According to BDL statistics, the combined balance sheet of commercial banks operating in Lebanon narrowed by 0.28% (LBP 26.03 trillion) during the first month of the year 2026 to LBP 9,130.08 trillion, down from LBP 9,156.11 trillion in December 2025. On an annual basis, the combined assets of the resident banking sector came in 0.99% lower than the LBP 9,221.08 trillion reading reported at end of January 2025.

On the funding side of the balance sheet, customer deposits dropped by 0.28% (LBP 21.73 trillion) in the month of January 2026 to LBP 7,849.95 trillion with resident private sector deposits decreasing by 0.34% (LBP 20.19 trillion) to LBP 5,867.08 trillion, non-resident private sector deposits dropping by 0.12% (LBP 2.24 trillion) to LBP 1,913.99 trillion, and public sector deposits improving by 1.02% (LBP 0.70 trillion) to LBP 68.89 trillion. From a currency denomination standpoint, deposits in Lebanese Pounds rose by 1.31% (LBP 1.45 trillion) in January to LBP 112.76 trillion while foreign currency deposits dropped by 0.30% ($0.26 billion) to $86.45 billion. In this context, the deposit dollarization rate reached 98.56% at end of January 2026 in comparison with 98.59% at end of year 2025 and 98.91% in January 2025. On an annual basis, total customer deposits narrowed by 1.69% (LBP 135.22 trillion) from a reading of LBP 7,985.18 trillion at end of January 2025.

On the lending front, loans to the private sector (residents and non-residents) rose by 0.21% (LBP 0.96 trillion) during the first month of 2026 to LBP 466.32 trillion, up from LBP 465.36 trillion in December 2025. More specifically, LBP denominated loans increased by 5.13% (LBP 0.53 trillion) in January 2026 to LBP 10.96 trillion with foreign currency loans inching upwards by 0.09% ($4.76 million) to $5.09 billion. The ratio of loans to deposits attained 5.94% at end of January 2026 compared to 5.91% at end of 2025 and 6.60% at end of January 2025. More specifically, the ratio of LBP-denominated private sector loans to total LBP deposits stood at 9.72% in January compared to 9.36% in December 2025 and 12.99% in the first month of 2025 while the ratio of foreign currency-denominated private sector loans to total foreign currency deposits reached 5.88% at end of January 2026 in comparison with 5.86% at end of December 2025 and 6.53% in January 2025. On an annual basis, the loans portfolio sank by 11.50% (LBP 60.61 trillion) from LBP 526.93 trillion at end of January 2025.

The combined capital accounts of commercial banks operating in Lebanon decreased by 3.48% (the equivalent of $171.14 million or the counter value of LBP 15.32 trillion) in the first month of 2026 to LBP 425.22 trillion ($4.75 billion) from LBP 440.54 trillion ($4.92 billion) at end of year 2025. The monthly drop in capital accounts in January 2026 was preceded by an increase of LBP 17.49 trillion ($195.44 million) in December 2025 and a drop of LBP 4.16 trillion ($46.46 million) in November. The monthly decrease in the capital accounts of the resident banking sector in January 2026 owes to some LBP 18.21 trillion drop in core capital which totally wiped out the LBP 2.89 trillion increase in supplementary capital. On an annual basis however, the combined equity of the resident banking sector rose by 1.69% (LBP 7.08 trillion, around $79.13 million) when benchmarked to the LBP 418.14 trillion ($4.67 billion) reading reported at end of January 2025.