By the end of November 2025, the total volume of loans issued by commercial banks in Georgia reached 68.97 billion GEL, reflecting a month-on-month increase of 944.67 million GEL, or 1.39%, according to data from the National Bank of Georgia (NBG). Annual loan growth, adjusted for exchange rate fluctuations, stood at 13.75%.

Loans in the national currency rose by 652.59 million GEL, or 1.65%, while foreign currency lending increased by 292.08 million GEL, or 1.02%. Resident legal entities received 11.04 billion GEL in loans denominated in the national currency, up 2.05% compared to the previous month, and 19.35 billion GEL in foreign currency loans, marking a 1.40% increase. Household lending also expanded, growing by 444.53 million GEL, or 1.25%, to 35.97 billion GEL. The larization ratio of total loans increased slightly to 58.18%, up 0.151 percentage points from October.

Banking sector deposits totaled 65.71 billion GEL at the end of November, rising by 131.50 million GEL, or 0.20%, on a monthly basis. Excluding exchange rate effects, annual deposit growth reached 13.88%. Time deposits increased by 224.67 million GEL (0.72%), while demand deposits declined by 93.17 million GEL (0.27%). The larization ratio of deposits climbed to 52.09%, up 0.87 percentage points.

The average annual weighted interest rate on term deposits in November stood at 6.82%, including 8.98% for deposits in the national currency and 2.43% for foreign currency deposits. Among foreign currency deposits, 78.68% were denominated in US dollars and 19.85% in euros.