The net interest yield on banking sector assets in 2024 is 1.62%, which is lower than the previous year (1.7%). The annualized year-to-date return was 1.57% in 2025, below the 2% long-term average since 2008 and below the 1.8% average interest return of the pre-FY2015-2019 five-year period. Net interest income of the banking sector relative to Czech nominal GDP declined to 2.11% of GDP in 2024 from 2.2% recorded in the previous year. In the latest available Q3, the banking net interest income ratio reached 2.08% of GDP, below the 2.4% long-term average since 2008 and below the 2.3% average net interest income-to-GDP ratio in the pre-Cold Five-Year period.
Source of primary data
CNB ARAD
Note
Net interest income in % of GDP is quarterly values measured against seasonally adjusted quarterly nominal GDP. 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.