Banking statistics

May 2025

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 11,177 billion at the end of May 2025, up by CZK 17 billion month on month. In year-on-year terms, they increased by CZK 642 billion. Loans to residents are the predominant asset item. Their volume reached CZK 7,535 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,532 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 2,443 billion in May and increased by 0.7%, or CZK 17 billion month on month. As regards the breakdown of loans to this sector by purpose, loans for house purchase were the largest item (CZK 1,884 billion in May, up by 0.6%, or CZK 12 billion month on month). They accounted for 77% of the total volume of loans to households. The volume of non-performing loans stood at CZK 32.1 billion in May, up by CZK 0.4 billion month on month. However, their share in total loans was unchanged and 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 1,469 billion in May, up by 0.2%, or CZK 3 billion month on month), long-term loans still have the largest share. However, the volume of long-term loans decreased by CZK 6 billion to CZK 781 billion in May (53% of the total volume of loans to the sector). The largest increase was recorded by short-term loans (up by CZK 9 billion to CZK 317 billion). The volume of non-performing loans was flat at CZK 37.5 billion in May. Their share in total loans has been unchanged at 2.6% since October 2024.

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 May 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).