The role of net interest income in banks' pre-tax profits increased to 116% in Q3 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 Q3 2025, up from 68% in the previous quarter, but it reached a lower share than in 2024, when net interest income accounted for 69% of F&O profit. Compared to the five-year pre-pandemic period, net interest income contributed less to pre-tax profit in Q3 2025 (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.