Banking statistics

April 2025

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 11,160 billion at the end of April 2025, up by CZK 75 billion month on month. In year-on-year terms, they increased by CZK 590 billion. Loans to residents are the predominant asset item. Their volume reached CZK 7,514 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,464 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 2,426 billion in April and increased by 0.6%, or CZK 15 billion month on month. As regards the breakdown of loans to this sector by purpose, loans for house purchase were the largest item (CZK 1,872 billion in April, up by 0.6%, or CZK 12 billion month on month). They accounted for 77% of the total volume of loans to households. The volume of non-performing loans stood at CZK 31.7 billion in April, up by CZK 0.1 billion month on month. However, its share in total loans was unchanged and has stood 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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Source: ARAD data series system

Turning to the structure of loans to resident non-financial corporations by original maturity (which totalled CZK 1,466 billion in April, up by 1.2%, or CZK 18 billion month on month), long-term loans still have the largest share. The volume of long-term loans amounted to CZK 787 billion in April (54% of the total volume of loans to the sector). The volume of non-performing loans stood at CZK 37.5 billion in April, up by CZK 0.1 billion month on month. Their share in total loans has been unchanged at 2.6% since October 2024.

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 April 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).