CNB Board decision on financial stability

CNB leaves binding mortgage limits except for DSTI unchanged and lowers countercyclical capital buffer rate to 2.25% The CNB Bank Board left the upper limit on the LTV ratio at 80%/90% and that on the DTI ratio at 8.5/9.5. The Bank Board deactivated the upper limit on the DSTI ratio with effect from 1 July 2023.

The Bank Board also decided to lower the countercyclical capital buffer rate by 25 basis points to 2.25%; banks will be required to maintain the buffer at this level from 1 July 2023.

The Czech financial sector remains highly resilient to adverse economic developments. The banking sector has enough capital and liquidity to withstand shocks even in the event of longer-lasting economic problems.