Banking Statistics for June 2026

Overall, strong economic performance, solid figures above the long-term average in business surveys, and June’s banking statistics are all contributing to growth in demand for loans across the entire spectrum—from consumer loans to mortgages to business loans. June brought a further decline in the share of non-performing loans, continuing the trend of breaking through the lows reached in previous months: both households and the corporate sector are repaying their loans very well. In the international overview published by the EBA Risk Dashboard, the Czech Republic ranked in the top third of the pan-European ranking in terms of credit portfolio quality as of the end of March this year.

Households

Consumer Loans

The total volume of consumer loans (excluding overdrafts and credit card balances) exceeded the 400-billion-koruna mark for the first time in June, reaching 401.178 billion CZK, which represents a month-over-month increase of 1.3 percent. This increased demand, with impressive year-over-year growth exceeding 15% (15.2%), means that Czechs are taking out loans at a rate nearly double the growth of their nominal wages, because they are confident they will be able to repay them. It appears that this confidence among the population will persist in the coming months and is reflected not only in their willingness to take out loans but is also supported by data on their reliable repayment: for the third month in a row, the share of non-performing consumer loans—at 3.92%—has remained below the 4% threshold, which is a very good figure for unsecured consumer loans. By comparison, this is roughly half the rate in Poland. As for credit cards—which are not nearly as widely used here as in the U.S., where they are the most common alternative to consumer loans—banks report a non-performing rate of just 3.97%, again a very low percentage by international standards.

Housing

According to preliminary data from the Czech Banking Association’s (CBA) Hypomonitor, banks and building societies actually granted new mortgages totaling 36.5 billion crowns in June, down from 38.1 billion crowns in May, marking another slight slowdown. However, this is largely due to the previous “surge” in mortgage drawdowns before the Czech National Bank (CNB) significantly tightened the conditions for so-called investment mortgages in April. Including refinancing, the monthly volume totaled 48.9 billion crowns, and according to Hypomonitor, cumulative unconsolidated production—including refinancing—since the beginning of the year stands at 294 billion CZK, representing a 59% increase compared to January through June of last year.

The average interest rate on new mortgages rose further in June to 4.79%, compared to 4.67% in May, 4.52% in April, and 4.43% in March. This is primarily due to the rise in benchmark market interest rates (for three- and five-year interest rate swaps), against which mortgage rates are rising at a significantly slower pace. This is clearly attributable to competition for new clients, as well as efforts to maintain market share and retain the existing customer base in the event of refinancing.

What is declining slightly is the average mortgage amount, which stood at 4.68 million crowns, below the May figure of 4.85 million crowns and the April figure of 4.88 million crowns. This slight decline in volume amid rising interest rates means that the stylized “average” monthly payment fell slightly from 26,347 CZK in May to 25,841 CZK in June. The rate hikes are particularly unwelcome for those who need to refinance mortgages taken out in the “ultra-cheap” year of 2021 at an average rate of 2.33%. Regardless of the fact that they have already paid off part of the principal over the past five years, they will pay an average of about 3,100 Kč more per month after refinancing. While this is an unpleasant burden on the family budget, at least for now, Czechs are paying off their mortgages like clockwork, as the delinquency rate for June fell to just 0.51%, marking yet another record low.

For statistical reasons, we will also see historic records set for the total outstanding mortgage balance of the population, which reached 1,929.2 billion crowns at the end of June, so the two-trillion-crown mark will likely be surpassed before the end of this year.

Non-Financial Sector Companies

Looking at the trend in corporate loan balances, we see a strong month-over-month increase of 2.4% to 1.619 trillion crowns. Year-over-year, there was a sharp increase in koruna-denominated loans of 15.4% to 849.3 billion koruna, while euro-denominated loans rose by just under 2.7% year-over-year to a koruna equivalent of 748.6 billion koruna. It should be noted that subsidiaries of multinational corporations, in particular, are financed from “abroad,” often in the form of intra-group loans, which are not reflected in these statistics, which focus on banks operating domestically.

The share of non-performing loans in the non-financial corporate sector as a whole fell to a historic low of 2.11%, which is an excellent result even by international standards. Given that corporate deposits also remain at a high level (1.710 trillion CZK), all signs indicate that, as a whole, “corporates” are in very good health.

Trends in the Main Segments of the Credit Market (Year-over-Year, in %)

Source: CNB, CBA Monitor

Deposits

Despite a strong trend toward seeking more profitable ways to grow savings—especially among younger generations, where investing in index funds is all the rage—many middle-aged and older Czechs remain conservative. As of the end of June, the population as a whole held 3,935. 7 billion crowns in deposit accounts; of this amount, an incredibly high 1.273 trillion crowns was held in checking accounts with nearly zero interest rates, with a trend toward a very gradual decline.

As for non-financial corporations, we recorded 1.710 trillion in deposit accounts for May, representing a surplus over loans of more than 91 billion crowns. Compared to pre-COVID times, despite the recent recovery, the ratio of corporate loans to GDP remains low, and the potential for credit expansion—financing investments and increasing turnover, thereby contributing to stronger growth—is far from exhausted.

Deposit Trends in Major Segments (Year-Over-Year, in %)

Source: CNB, CBA Monitor

Non-performing loans in major segments (in %)

Source: CNB, CBA Monitor

Share of Non-Performing Loans in Individual EU/EEA Countries (%, March 2026)

Source: EBA