CBA Commentary
Net interest income in Q4 2025 reached CZK 45.1 billion, above the net income of CZK 44.8 billion in the previous quarter. Net interest income volumes have averaged around 44.2 billion over the past four quarters and reached 42.5 billion in 2024. For the full year 2025, net interest income posted C$176.7 billion, reflecting interest income of C$451.9 billion that exceeded interest expense of C$275.2 billion. Whereas in the same period a year ago, the surplus in interest income of CZK 170 billion reflected higher interest income of CZK 527.5 billion, but at a more significant cost of CZK 357.5 billion.
The ratio of interest income to interest expense fell to 165% in Q4 2025, compared with 166% in the previous quarter. It is thus above the average ratio of 148% in 2024, above the average ratio of 151% in the previous three years, but remains below the five-year pre-pandemic average of 363%.
The ratio of interest income to interest expense tends to decline in periods with a higher central bank interest rate or, conversely, to rise (when income more than exceeds expenses) in periods with a lower central bank interest rate.
Interest income and expense
CZK billion, quarterly
Source of primary data
CNB ARADCategory
Banking sectorData frequency
QuarterlyNote
Net interest income (quarterly values) represents the difference between the interest income that banks earn on their assets and the interest expense that banks pay on their liabilities.The data include data for banks and branches of foreign banks providing services in the Czech Republic and data for branches of banks operating abroad.
