The Budget and Finance Committee reviewed the 2025 annual report of the LEPL Deposit Insurance Agency, presented by the Agency’s Head, Levan Todua.

According to him, in 2025, a decision was made to increase the insurance coverage limit, and starting from April 1, 2026, the deposit insurance limit was raised to GEL 50,000.

He also noted that significant updates were made to the information system managing the deposit insurance scheme, including both technical upgrades of existing modules and the addition of entirely new functionalities. In addition, an updated public awareness campaign was planned and prepared.

Speaking about deposit trends, Mr. Todua stated that while the total volume of deposits amounted to GEL 23 billion in 2018, as of December 31, 2025, this figure had reached approximately GEL 69 billion, of which GEL 36 billion were deposits of individuals and GEL 33 billion were deposits of legal entities.

“During the same period, the total volume of deposits increased annually by approximately 14%, deposits of individuals by 13%, and deposits of legal entities by 15%”, - he stated.

According to his information, as of December 31, 2025, compared to the same period of the previous year, deposits of individuals in the national currency increased by 29.1%, while deposits of legal entities in the national currency increased by 25%, indicating a high level of trust in the national currency.

According to the report, as of December 31, 2025, the total volume of insured deposits amounted to GEL 12.25 billion, of which GEL 11.24 billion were insured deposits of individuals and GEL 1.007 billion were insured deposits of legal entities.

At the same time, the share of insured deposits in total deposits stood at 17.84%, while the shares of insured deposits of individuals and legal entities were 31.27% and 3.08%, respectively.

According to the Head of the Deposit Insurance Agency, as of December 2025, 97% of individual depositors and 89% of legal entity depositors were fully insured.

He also noted that 57% of insured deposits of individuals were denominated in the national currency, while 43% were in foreign currency. In the case of legal entities, 78% of insured deposits were in the national currency, and 22% in foreign currency.

During the presentation, Mr. Todua also addressed issues including regular insurance contributions and the management of the deposit insurance fund and portfolio.

He also answered questions from committee members.