As of November 2025, the total credit portfolio of Georgian banks reached 69 billion GEL, marking a 14% annual increase. According to National Bank data, loans overdue by more than 91 days amount to 1.2 billion GEL, accounting for 1.7% of the entire portfolio, unchanged compared to the same period in 2024.
Of the 1.2 billion GEL in overdue loans, 354 million GEL is held by the corporate sector, 417 million GEL by small and medium businesses, and 189 million GEL by micro businesses. Among individuals, overdue loans total 264 million GEL.
Within the business sector, the highest share of overdue loans is observed in restaurants, cafés, and fast-food establishments, where 5.4% of the portfolio is overdue for more than 90 days. This sector remains the leader in overdue loans, consistent with last year’s trend.
A sharp increase in overdue loans has also been recorded in the healthcare sector, which now ranks second. The third-highest share of overdue loans is found in the hotel and tourism industry.
