Commentary on the quarterly aggregated balance sheet of Financial corporations engaged in lending
(financial leasing, hire purchase, consumer credit, factoring, forfaiting)
as of 31 December 2025
Financial corporations engaged in lending had total assets of 546 billion as of 31 December 2025, up by CZK 19 billion in quarter-on-quarter terms. Compared to 2024 Q4, total assets increased by CZK 31.2 billion (or 6.1%) year on year.
The largest asset item was loans provided, amounting to CZK 436.7 billion, of which CZK 429 billion was provided to residents. Compared to the previous quarter, total loans provided rose by CZK 14.5 billion in 2025 Q4. In year-on-year terms, they increased by CZK 24.3 billion.
The largest part of loans provided to residents consisted of loans to non-financial corporations amounting to CZK 348.6 billion, i.e. 81.3% of total loans to residents. Compared to the previous quarter, loans to non-financial corporations rose by CZK 12.5 billion. In year-on-year terms, they increased by CZK 20.1 billion.
The second largest category of loans to residents consisted of loans to households, totalling CZK 79.1 billion. These loans accounted for 18.4% of loans granted to residents.
Balance sheet total – breakdown by asset items
Source: ARAD data series system
Balance sheet total – breakdown by type of intermediary
Source: ARAD data series system
Note:
- Under Decree No. 389/2024 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.