Banking statistics

April 2024

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 10,571 billion at the end of April 2024, up by CZK 31 billion month on month. Loans to residents are the predominant asset item. Their volume reached CZK 7,167 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,174 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 2,278 billion in April 2024 and increased by 0.5%, or CZK 11 billion month on month. As regards the breakdown of loans to this sector by purpose, loans for house purchase were the largest item (CZK 1,762 billion in April, up by 0.4% 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 29.7 billion in April. Their share in total loans was unchanged, standing at 1.3% for a year now.

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 1,397 billion in April 2024, up by 0.4%, or CZK 6 billion month on month), long-term loans still have the largest share. The volume of long-term loans amounted to CZK 755 billion in April (54% of the total volume of loans to the sector). The volume of non-performing loans stood at CZK 36.3 billion in April (up by CZK 0.3 billion month on month) and their share in total loans was 2.6%, unchanged from the previous two months.

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 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).