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
January 2026In 2025 Q4, non-financial corporations’ demand for loans as perceived by banks increased in one-fifth of the banking market. Aggregate demand growth was driven mainly by a greater need among firms to finance fixed investment, working capital and mergers and acquisitions, as well as corporate restructuring. According to about one-seventh of the banking market, the level of domestic interest rates also contributed to this growth. Demand for housing loans increased only in a small part of the market. However, it remained strong. The outlook for the housing market (expectations of continued increased activity in the residential property market) and rising consumer confidence supported demand growth. Details (pdf, 1 MB).