Determination of annual contributions
The annual contribution represents the sum of all the amounts institutions are required to contribute to the Resolution Fund in the particular year. When determining the annual contribution, the CNB will take into consideration the Resolution Fund’s target level, which should be at least 1% of covered deposits in the Czech Republic (approximately CZK 41.6 billion). At the same time, the CNB expects the Resolution Fund’s available financial means to reach approximately CZK 40.8 billion at the end of 2025. In this context, given the modelled development of covered deposits in the Czech economy and the expected rate of return on the Resolution Fund’s current financial means, the CNB estimates that the total annual contribution to be paid in 2026 will be approximately CZK 0.8 billion, out of which roughly CZK 2 million shall be borne by small contributing institutions under Article 10 of the Regulation, while the remaining amount shall be borne by the 20 institutions to which Article 10 of the Regulation cannot be applied. The estimates are based on the data available to the CNB for the period ending on 30 June 2025 and consequently do not reflect the situation at the end of 2025. The final annual contribution to the Resolution Fund for 2026 or the number of contributing institutions may therefore differ in the event of any change, for instance in the rate of growth of covered deposits in the Czech Republic.
The CNB is obliged by law, after consulting the Financial Market Guarantee System, to publish the total annual contribution on a yearly basis in CNB Official Information. The amount of the total annual contribution to the Resolution Fund determined in line with Article 4 of the Regulation for individual periods is given in the table:
| Year | Amount of the total contribution (CZK) |
|---|---|
| 2025 | 757,829,546 |
| 2024 | 2,683,803,214 |
| 2023 | 4,496,410,691 |
| 2022 | 5,034,974,388 |
| 2021 | 4,332,684,113 |
| 2020 | 3,763,175,596 |
| 2019 | 3,446,583,706 |
| 2018 | 3,111,476,234 |
| 2017 | 3,024,946,568 |
| 2016 | 2,958,854,930 |
The amount of the total annual contribution to the Resolution Fund is determined as
TAC = RFtarget – RFactual
where:
TAC – total annual contribution to the Resolution Fund
RFtarget – predicted target level of the Resolution Fund at the end of the contribution year
RFactual – current level of the Resolution Fund at the start of the contribution year