Net interest income in Q2 2025 reached CZK 43.8bn, compared to net income of CZK 43.1bn in the previous quarter, CZK 43.5bn in the last four quarters and average quarterly income of CZK 42.5bn in 2024. It is thus above the average ratio of 148% in 2024, above the average ratio of 152% in the previous three years, but remains below the five-year pre-pandemic average of 363%.
The ratio of interest income to interest costs tends to decline in periods of higher central bank interest rates or to rise (when income exceeds costs more) in periods of lower central bank interest rates.

CNB ARAD

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.

Banking sector

Quarterly

Interest income in bank profits
Net interest income