Banking statistics

September 2025

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 11,440 billion at the end of September 2025, up by CZK 95 billion month on month. In year-on-year terms, they increased by CZK 566 billion. Loans to residents are the predominant asset item. Their volume reached CZK 7,696 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,627 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 2,523 billion in September and increased by 0.8%, or CZK 20 billion month on month. As regards the breakdown of these loans by purpose, the largest part consists of loans for house purchase, which account for 77% of the total volume of loans to households. Their volume reached CZK 1,943 billion in September, up by 0.8% (CZK 15 billion) month on month. The volume of non-performing loans stood at CZK 32.7 billion in September, down by CZK 0.1 billion month on month. However, their share in total loans has been unchanged 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

The volume of loans to resident non-financial corporations amounted to CZK 1,474 billion in September, up by 1.2%, or CZK 18 billion month on month. The largest increase was recorded by short-term loans, whose volume rose by CZK 15 billion to CZK 342 billion. Short-term and medium-term loans each account for 23% of the total volume. In terms of original maturity, long-term loans continue to maintain the largest share, accounting for 53% of the total volume; they amounted to CZK 788 billion in September. The volume of non-performing loans fell by CZK 1.0 billion to CZK 36.6 billion in September. Their share in total loans decreased 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 September 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).