Banking statistics

January 2024

Commentary on the main indicators 

The total assets of the Czech banking sector stood at CZK 10,394 billion at the end of January 2024, up by CZK 458 billion month on month. Loans to residents are the predominant asset item. Their volume reached CZK 7,078 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,032 billion.

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

bs_graf_1_a

Source: ARAD data series system

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

bs_graf_2_a

Source: ARAD data series system

The volume of loans to resident households amounted to CZK 2,251 billion in January 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 1,745 billion in January, up by 0.2% month on month). They accounted for 78% of the total volume of loans to households. The volume of non-performing loans increased marginally to CZK 28.9 billion in January. Their share in total loans was unchanged, standing at 1.3% as in the previous eight months.

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

bs_graf_3_a

Source: ARAD data series system

Turning to the structure of loans to resident non-financial corporations by original maturity (which totalled CZK 1,368 billion in January 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 752 billion in January (55% of the total volume of loans to the sector). The volume of non-performing loans stood at CZK 36 billion in January, with their share in total loans unchanged at 2.6%.

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

bs_graf_4_a

Source: ARAD data series system


Notes

  • In January 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).