Commentary on the quarterly aggregated balance sheet of Financial corporations engaged in lending
(financial leasing, hire purchase, consumer credit, factoring, forfaiting)
as of 31 March 2026
Financial corporations engaged in lending had total assets of CZK 541.4 billion as of 31 March 2026, down by CZK 9.5 billion in quarter-on-quarter terms. Compared to 2025 Q1, total assets increased by CZK 24.3 billion (or 4.7%) year on year.
The largest asset item was loans provided, amounting to CZK 444.9 billion, of which CZK 437 billion was provided to residents. Compared to the previous quarter, total loans provided rose by CZK 4.1 billion in 2026 Q1. In year-on-year terms, they increased by CZK 26.9 billion.
The largest part of loans provided to residents consisted of loans to non-financial corporations amounting to CZK 353.4 billion, i.e. 80.9% of total loans to residents. Compared to the previous quarter, loans to non-financial corporations rose by CZK 3 billion. In year-on-year terms, they increased by CZK 24.6 billion.
The second largest category of loans to residents consisted of loans to households, totalling CZK 82 billion. These loans accounted for 18.8% 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. 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.