Banking statistics

June 2022

Commentary on the main indicators 

The total assets of the Czech banking sector stood at CZK 9,662 billion at the end of June 2022, down by CZK 15  billion month on month. Loans to residents are the predominant asset item. Their volume reached CZK 6,602 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 6,220 billion.

Chart 1 – Assets of the banking sector (CZK  billions)

bs_graf_1_a

Chart 2 – Liabilities of the banking sector (CZK  billions)

bs_graf_2_a

The volume of loans to resident households amounted to CZK 2,100 billion in June 2022 and increased by CZK 19 billion month on month. As regards the breakdown of loans to this sector by purpose, loans for house purchase were the largest item (CZK 1,638 billion in June 2022, up by 0.9% month on month). They accounted for 78% of the total volume of loans to households. The volume of non-performing loans stood at CZK 27 billion in June 2022 (down by CZK 1 billion compared to May) and its share in total loans was flat at 1.3%.

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

bs_graf_3_a

Turning to the structure of loans to resident non-financial corporations by original maturity (which totalled CZK 1,221 billion in June 2022, up by 0.4%, or CZK 5 billion month on month), long-term loans still have the largest share. The volume of long-term loans amounted to CZK 674 billion in June 2022 (55% of the total volume of loans to the sector). The volume of non-performing loans stood at CZK 43 billion in June 2022. Their share in total loans to this sector slightly decreased to 3.5% (3.6% in May 2022).

Chart 4 – Loans to resident non-financial corporations by original maturity (CZK  billions) and the share of non-performing loans (%)  

bs_graf_4_a


Notes

  • In June 2022, the banking statistics in the Czech Republic were compiled from the source statistics of 44 banks and foreign bank branches active in the Czech Republic (excluding the CNB).