Net interest income in Q3 2025 reached CZK 44.8 billion, above the net income of CZK 43.8 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. During the first three quarters of 2025, net interest income posted 131.7 billion, reflecting interest income of 338 billion that exceeded interest expense of 206.3 billion. Whereas in the same period a year ago, the surplus of C124.8 billion in interest income reflected higher interest income of C407.3 billion compared to this year, but at a more significant cost of C282.5 billion then.
The ratio of interest income to interest expense rose to 166% in Q3 2025 compared to 164% 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 exceeds expenses more) in periods with a lower central bank interest rate.

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
CBA forecast: CNB interest rate