Bank Lending Survey
The Bank Lending Survey provides information on the Czech bank credit market obtained by the CNB in a survey conducted four times a year. It sums up where credit standards and terms and conditions for approving loans are heading and how demand for loans among households and corporations is changing. The survey also covers credit market developments expected by commercial banks in the months ahead.
BLS
October 2025In 2025 Q3, banks’ credit standards and lending conditions for corporate loans and loans for house purchase were largely unchanged overall, while those for consumer credit eased. Demand for loans rose in all segments of the credit market and was fostered by a decrease in domestic interest rates. Demand for loans increased, especially for loans to large firms. However, according to banks, firms remain cautious about investing due to global uncertainties. Growth in demand for housing loans was affected mainly by expectations of a continued increase in residential property prices, while demand for consumer credit was driven by higher household consumption expenditure. Details (pdf, 1.3 MB).