The total volume of deposits (excluding interbank deposits) in the country′ s banking sector decreased by 0,17% or by 116,73 million GEL (exchange rate effect excluded volume of deposits decreased by 0,23%), compared to the end of December 2025 and constituted 66,83 billion GEL by the end of January 2026. The YoY growth rate of deposits, excluding exchange rate effect, was 15,81%. In January, the volume of term deposits increased by 687,72 million GEL (by 2,21%; exchange rate effect excluded volume of term deposits increased by 2,20%). Demand deposits decreased by 804,46 million GEL (by 2,24%; exchange rate effect excluded volume of demand deposits decreased by 2,35%).
The larization ratio of total non-bank deposits constituted 52,62% by the end of January 2026 and increased by 0,35 percentage point (exchange rate effect excluded increased by 0,38 percentage point) compared to the end of December 2025.
The market interest rate on term deposits constituted 7,19%. In particular, the market interest rate for national currency denominated deposits was 9,07% and the market interest rate for foreign currency denominated deposits was 2,38%.
The share of the US dollar in the total volume of foreign currency denominated deposits equals 78,04% and the share of the Euro equals 20,21%.
