Banking statistics

February 2026

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 11,760 billion at the end of February 2026, up by CZK 47 billion month on month. In year-on-year terms, they increased by CZK 747 billion. Loans to residents are the predominant asset item. Their volume reached CZK 7,920 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,869 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 2,612 billion in February and increased by 0.7%, or CZK 18 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 2,011 billion in February, up by 0.6% (CZK 13 billion) month on month. The volume of non-performing loans was unchanged month on month at CZK 32.6 billion. However, their share in total loans decreased slightly, by 0.1 percentage point to 1.2%.

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 1,541 billion in February, up by 1.6% (CZK 24 billion) month on month. In terms of original maturity, long-term loans remain dominant, accounting for 54% of the total volume. Their value rose by CZK 7 billion month on month in February, reaching CZK 838 billion. Short-term loans recorded the strongest growth, with their volume increasing by CZK 20 billion to CZK 320 billion. By contrast, medium-term loans decreased by CZK 3 billion to CZK 383 billion. The volume of non-performing loans fell only slightly, by CZK 0.1 billion to CZK 36.1 billion. Their share in total loans also decreased marginally, by 0.1 percentage point to 2.3%.

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 2026, the banking statistics in the Czech Republic were compiled from the source statistics of 42 banks and foreign bank branches active in the Czech Republic (excluding the CNB).