Banking statistics

February 2024

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 10,417 billion at the end of February 2024, up by CZK 23 billion month on month. Loans to residents are the predominant asset item. Their volume reached CZK 7,088 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,065 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 2,257 billion in February 2024 and increased by CZK 6 billion month on month. As regards the breakdown of loans to this sector by purpose, loans for house purchase were the largest item (CZK 1,749 billion in February, up by 0.2% month on month). They accounted for 77% of the total volume of loans to households. The volume of non-performing loans increased marginally to CZK 29.4 billion in February. Their share in total loans was unchanged, standing at 1.3% as in the previous nine months.

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

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Source: ARAD data series system

Turning to the structure of loans to resident non-financial corporations by original maturity (which totalled CZK 1,380 billion in February 2024, up by 0.8%, or CZK 11 billion month on month), long-term loans still have the largest share. The volume of long-term loans amounted to CZK 755 billion in February (55% of the total volume of loans to the sector). The volume of non-performing loans stood at CZK 35.8 billion in February (up by CZK 1.2 billion month on month) and their share in total loans was 2.6% (up by 0.1 percentage point month on month).

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 February 2024, the banking statistics in the Czech Republic were compiled from the source statistics of 46 banks and foreign bank branches active in the Czech Republic (excluding the CNB).