Banking statistics

December 2024

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 10,638 billion at the end of December 2024, down by CZK 235 billion month on month. Loans to residents are the predominant asset item. Their volume reached CZK 7,090 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,062 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 2,379 billion in December 2024 and increased by 0.5%, or CZK 13 billion month on month. As regards the breakdown of loans to this sector by purpose, loans for house purchase were the largest item (CZK 1,834 billion in December, up by 0.6% month on month). They accounted for 77% of the total volume of loans to households. The volume of non-performing loans was unchanged month on month at CZK 31 billion in December. Their share in total loans was also unchanged. It 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 (%) 

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 1,429 billion in December 2024, down by 0.1%, or CZK 2 billion month on month), long-term loans still have the largest share. The volume of long-term loans amounted to CZK 782 billion in December (55% of the total volume of loans to the sector). The volume of non-performing loans stood at CZK 36 billion in December (down by CZK 1 billion month on month). Their share in total loans thus decreased marginally, down by 0.1 percentage point to 2.5%.

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 December 2024, 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).