Commentary on the main indicators
The total assets of the Czech banking sector stood at CZK 8,112 billion at the end of October 2019. Loans to residents are the predominant asset item. Their volume reached CZK 6,068 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 4,862 billion.
Assets of the banking sector (CZK billions)
Liabilities of the banking sector (CZK billions)
The volume of loans to resident households amounted to CZK 1,729 billion in October 2019. As regards the breakdown of loans to this sector by purpose, loans for house purchase were the largest item (CZK 1,313 billion in October 2019, up by 0.6% month on month). They accounted for almost 76% of the total volume of loans to households. Consumer credit amounted to CZK 260 billion at the end of October 2019, up by 0.6% month on month. The share of non-performing loans has been recording a slight steady decline since around mid-2013. It stood at 1.7% in October 2019 (5.2% in June 2013).
Loans to resident households by purpose (CZK billions) and the share of non-performing loans (%)
Turning to the structure of loans to resident non-financial corporations by original maturity (which totalled CZK 1,141 billion in October 2019), long-term loans have the largest share. The volume of long-term loans amounted to CZK 627 billion in October 2019 (55% of the total volume of loans to the sector). The share of non-performing loans in the total volume of loans to non-financial corporations has also been declining since end-2010, from 9% in December 2010 to 3.2% in October 2019.
Loans to resident non-financial corporations by original maturity (CZK billions) and the share of non-performing loans (%)
- In October 2019, 49 banks and foreign bank branches were active in the Czech Republic (excluding the CNB).