Banking statistics

March 2025

Commentary on the main indicators

The total assets of the Czech banking sector stood at CZK 11,085 billion at the end of March 2025, up by CZK 72 billion month on month. In year-on-year terms, they increased by CZK 546 billion. Loans to residents are the predominant asset item. Their volume reached CZK 7,494 billion. Deposits of residents, which are the most important item among banking sector liabilities, totalled CZK 7,445 billion.

Chart 1 – Assets of the banking sector (CZK  billions)

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Source: ARAD data series system

Chart 2 – Liabilities of the banking sector (CZK  billions)

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Source: ARAD data series system

The volume of loans to resident households amounted to CZK 2,411 billion in March and increased by 0.7%, or CZK 16 billion month on month. As regards the breakdown of loans to this sector by purpose, loans for house purchase were the largest item (CZK 1,860 billion in March, up by 0.6%, or CZK 11 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 31.6 billion in March, down by CZK 0.5 billion month on month. However, its 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 (%) 

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Source: ARAD data series system

Turning to the structure of loans to resident non-financial corporations by original maturity (which totalled CZK 1,446 billion in March, up by 0.5%, or CZK 7 billion month on month), long-term loans still have the largest share. The volume of long-term loans amounted to CZK 780 billion in March (54% of the total volume of loans to the sector). The volume of non-performing loans was unchanged month on month at CZK 37 billion in March. Its share in total loans also remained flat at 2.6%.

Chart 4 – Loans to resident non-financial corporations by original maturity (CZK  billions) and the share of non-performing loans (%)

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Source: ARAD data series system

Notes

  • In March 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).