Commentary on the quarterly aggregated balance sheet of Financial corporations engaged in lending
(financial leasing, hire purchase, consumer credit, factoring, forfaiting)
as of 30 September 2025
Financial corporations engaged in lending had total assets of CZK 526.9 billion as of 30 September 2025, up by CZK 2.7 billion in quarter-on-quarter terms. Compared to 2024 Q3, total assets increased by CZK 22.8 billion (or 4.5%) year on year.
The largest asset item was loans provided, amounting to CZK 422.2 billion, of which CZK 416.4 billion was provided to residents. Compared to the previous quarter, total loans provided declined by CZK 0.4 billion in 2025 Q3. In year-on-year terms, they increased by CZK 19.1 billion.
The largest part of loans provided to residents consisted of loans to non-financial corporations amounting to CZK 336.1 billion, i.e. 80.7% of total loans to residents. Compared to the previous quarter, loans to non-financial corporations grew by CZK 0.1 billion. In year-on-year terms, they increased by CZK 17.0 billion.
The second largest category of loans to residents consisted of loans to households, totalling CZK 79.1 billion. These loans accounted for 19.0% of loans granted to residents.
Balance sheet total – breakdown by asset items
Source: ARAD data series system
Balance sheet total – breakdown by type of intermediaries
Source: ARAD data series system
Note:
- Under Decree No. 314/2013 Coll., financial corporations engaged in lending are companies whose main or major business activity involves granting credit or loans or entering into agreements of a similar nature, for example financial leasing, factoring, consumer credit, hire purchase financing, etc.