FX rate declared by the CNB for 16/7/2026
EUR - 24.195 CZK
USD - 21.104 CZK

CNB RB 2/2026 – Artificial Intelligence and Labour in Czechia: Who Is Affected?

We show that AI exposure in the Czech labour market is sizeable, but highly uneven. Using occupational AI exposure mapped to worker-level microdata, we find that around one quarter of tasks associated with Czech employees’ occupations can be supported, performed, or transformed by AI. Exposure is concentrated in larger urban areas, information-intensive sectors, and higher-wage jobs.

Food and fuel prices push inflation down to 1.5% in June

The CNB comments on the June 2026 inflation figures

CNB WP 10/2026 – Who Is Less Likely to Get a Mortgage When Borrowing Limits Tighten?

A recent CNB Working Paper by Gric, Malovaná and Ehrenbergerová examines how tighter loan-to-value (LTV) and debt-service-to-income (DSTI) limits affect access to new mortgages across the income distribution in 17 European countries over 2008–2019. The study finds that middle-income households are hit hardest: after tightening, they are about 2 percentage points less likely than top-income households to obtain a first mortgage on their main residence. The effect is driven mainly by LTV tightening and is strongest among younger middle-income households, who tend to have less savings and housing equity.

Results of the 2026 Euro Survey

Eight analysts took part in this year’s survey of analysts on current European topics and the Czech Republic’s accession to the euro area. Overall, the analysts emphasise that the future of the EU will depend on its ability to implement reforms, reduce the regulatory burden, increase investment and strike a balance between its economic, security and climate objectives. In general, the analysts do not expect the Czech Republic to join the euro area before the 2030s – more likely in the second half of that decade. (pdf, 855 kB)

Public trust in the Czech National Bank remains high

The Czech National Bank (CNB) is trusted by 77% of the Czech population. This is according to the latest survey conducted by STEM, which confirms that the central bank has long ranked among the most trusted public institutions in the country.

Payment statistics for 2025 H2

The CNB has published a detailed commentary on payment statistics for 2025 H2. It covers above all data on non-cash transactions such as the number of cards, outgoing payments and direct debits, the number of card transactions using terminals, the volume of credit transfers and the volume of ATM withdrawals. However, it also includes data on over-the-counter cash withdrawals and deposits.

Read CNB Governor Aleš Michl’s selected speeches and interviews in which he explains how the central bank is fighting inflation and what steps it is taking to achieve price stability.

Consumer prices in the Czech Republic are going up at a rate of around 2% a year. Maintaining low, stable and thus predictable inflation is the primary objective of the Czech National Bank.

The CNB Lab innovation hub is a platform that brings together the central bank’s activities in the area of innovation and modern technologies. It provides a single point of access to information on projects focused on artificial intelligence, digital assets testing and the future of payments.

By 2028, the Czech National Bank will hold 100 tonnes of gold – the most in its history – in its international reserves, gradually rebuilding the nation’s gold reserves. Why gold?

Payments are an essential part of our daily lives, and instant payments allow you to send money without the wait. How exactly do they work, and how can they make your life easier? Read more to find out.

The CNB has prepared a web portal devoted to its financial and economic literacy activities for the public.

Key rates

2.75%

Discount rate

3.75%

2W repo rate

4.75%

Lombard rate

Inflation

1.5%

June 2026

Current CNB forecast

2.2%

Inflation 2026

2.4%

Inflation 2027

2.5%

GDP 2026

2.7%

GDP 2027

Capital buffer
rates

1.25%

CCyB rate

0.5%

SyRB rate

2.5%

O-SIIBmax rate

Limits
on credit ratios

80%

LTV

– –

DTI

– –

DSTI

Recommendations
for investment mortgages

70%

LTV Investment

7x

DTI Investment

Golden Rules for Bureau-de-Change Clients

  1. Change money only at designated bureaux de change. Before changing money, carefully read all the information given on the exchange rate list.
  2. The terms “purchase and sale of foreign currency” and the corresponding exchange rates, i.e. the information about the direction of the exchange, are given from the bureau de change’s perspective...

More about ten golden rules