Banking statistics

October 2025

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 11,456 billion at the end of October 2025, up by CZK 14 billion month on month. In year-on-year terms, they increased by CZK 632 billion. Loans to residents are the predominant asset item. Their volume reached CZK 7,704 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,643 billion.

Chart 1 – Assets of the banking sector (CZK  billions)

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Source: ARAD data series system

Chart 2 – Liabilities of the banking sector (CZK  billions)

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Source: ARAD data series system

The volume of loans to resident households amounted to CZK 2,543 billion in October and increased by 0.8%, or CZK 20 billion month on month. As regards the breakdown of these loans by purpose, the largest share consists of loans for house purchase, which account for 77% of the total volume of loans to households. Their volume reached CZK 1,958 billion in October, up by 0.8% (CZK 15 billion) month on month. The volume of non-performing loans stood at CZK 32.5 billion in October, down by CZK 0.2 billion month on month. However, their share in total loans has been unchanged at 1.3% since May 2023.

Chart 3 – Loans to resident households by purpose (CZK  billions) and the share of non-performing loans (%) 

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The volume of loans to resident non-financial corporations amounted to CZK 1,461 billion in October, down by 0.9% (i.e. by CZK 13 billion) month on month. A decrease was recorded only by short-term loans, which declined by CZK 23 billion to CZK 319 billion. By contrast, medium-term loans rose by CZK 6 billion to CZK 350 billion and long-term loans increased by CZK 4 billion to CZK 792 billion. The volume of non-performing loans fell by CZK 0.5 billion to CZK 36.1 billion in October. Their share in total loans was unchanged at 2.5%.

Chart 4 – Loans to resident non-financial corporations by original maturity (CZK  billions) and the share of non-performing loans (%)

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Source: ARAD data series system

Notes

  • In October 2025, the banking statistics in the Czech Republic were compiled from the source statistics of 43 banks and foreign bank branches active in the Czech Republic (excluding the CNB).