The role of net interest income in banks' pre-tax profits increased to 119% in Q4 2025 from 116% in the previous quarter. However, it was lower than the average 128% in 2024. Net interest income contributed 68% to operating profit in Q4 2025, essentially unchanged from the previous quarter, and was lower than in 2024, when net interest income accounted for 69% of F&O profit. \Last we know, net interest income contributed less to profit before tax in Q4 2025 compared to the five-year pre-pandemic period (2015-2019) (128% vs. 132%), but more to profit from financing and operating activities (69% vs. 65%).
Source of primary data
CNB ARAD
Note
Net interest income and other variables enter the graph and calculation in the annual sum of four consecutive quarters. 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.