The National Bank of Georgia has increased the minimum threshold for foreign currency loans to ₾1,000,000 for borrowers earning income in the national currency, restricting access to smaller loans in foreign currency.
The decision was made by the Financial Stability Committee of the National Bank of Georgia and will take effect from July 1, 2026.
The central bank says the move aims to reduce currency-related risks for borrowers without foreign currency income.
The previous limit stood at ₾750,000 since August 2025.
The NBG noted that the Georgian financial system remains resilient and continues lending to the economy, despite rising global uncertainties.
“Global financial conditions have been relatively stable and supportive over the past year,” the bank said. “However, the conflict in the Middle East has led to a moderate tightening.”
The regulator warned of ongoing risks linked to commodity price shocks, rising global inflation expectations, and further tightening of financial conditions.
Alongside the change, the NBG said it would reduce the upper limit of the temporarily increased reserve requirement ratio on foreign currency liabilities by 5 percentage points, returning it to its previous level.
The central bank said reducing financial dollarization remains a key priority and noted the decision is part of its long-term dedollarization policy.
The limit on foreign currency loans has been gradually increased over recent years — from ₾200,000 in 2024 to ₾400,000 later that year, ₾500,000 in early 2025, and ₾750,000 from August 2025.
