By the end of December 2025, the total volume of deposits in the banking sector (excluding interbank deposits) reached GEL 66.93 billion, marking an increase of GEL 1.23 billion or 1.87% compared to the previous month. Adjusted for exchange rate effects, monthly growth stood at 1.82%. Annual deposit growth, excluding currency effects, reached 15.78%. The deposit dollarization rate increased slightly to 52%, up by 0.18 percentage points from November.
In December, the average weighted annual market interest rate on term deposits stood at 7.49%, with 9.34% for deposits in local currency and 2.6% for deposits in foreign currency. Among foreign-currency deposits, 78.3% were in U.S. dollars and 20% in euros.
Compared to November, term deposits decreased by GEL 447 million (1.42%), while demand deposits increased by GEL 1.68 billion (5%). Excluding exchange rate effects, term deposits fell by 1.41%, and demand deposits rose by 4.79%.
