In February 2025, the total volume of loans issued by commercial banks in Georgia—excluding interbank loans—declined by GEL 108.11 million (0.17%), reaching GEL 62.58 billion by the end of the month, according to data from the National Bank of Georgia (NBG).

On an annual basis, the loan portfolio grew by 17.43% when adjusted for exchange rate effects.

Loans issued in the national currency increased by GEL 275.56 million (0.78%) during the month, while foreign currency lending dropped by GEL 383.66 million (1.40%).

By the end of February, loans to resident legal entities stood at GEL 10.61 billion in the national currency (up 0.24% from January), and GEL 17.89 billion in foreign currency (down 1.42%).

Meanwhile, lending to the resident household sector rose by GEL 122.98 million (0.39%), bringing the total to GEL 32.06 billion.

The share of loans denominated in the national currency—also known as the larization ratio—increased by 0.538 percentage points month-over-month, reaching 56.86%.