Gross Domestic Product 2.1 % year-over-year Consumer Price Growth (Inflation) 1.8 % year-over-year Industrial Production 2.0 % year-over-year Gross Domestic Product Trends 1.9 % yoy Wage Trends 6.4 % year-over-year (nominal) Monthly Changes in Consumer Prices (Inflation) 1.9 % yoy total Post-COVID Recovery of Economic Activity 2.5 %yoy (July 2026) Unemployment 5.10 % (08-2026) Confidence Indicators -2.4 % yoy

Weaker economic sentiment is also accompanied by a hawkish signal for the CNB Focus: Higher Diesel Prices as a Structural Problem That Price Regulation Does Not Solve The CNB keeps rates at 3.75%. Core inflation and energy prices leave the door open for a rate hike in November With core inflation rising by 3 percent, hawkish pressure on the CNB shows no signs of easing The industrial sector got off to a slow start in the third quarter, though not across the board. Infrastructure bolstered the resilience of the construction industry

Banking Sector Assets 12 086.00 billion CZK Number of Employees 37 779 Number of Banks by Size 43 (total) Bank Profits in the Economy 130.27 billion CZK Profitability of the Banking Sector 1.12 % return on assets Capital Adequacy and the Role of Profit in It 23.01 % Net interest income 1.55 % of assets Interest Income and Expenses 46.22 billion CZK Interest Income in Banks' Profits 181.70 billion CZK

The CNB keeps rates at 3.75%. Core inflation and energy prices leave the door open for a rate hike in November Two bank stress tests, one conclusion: the resilience of Czech banks Banking Statistics for June 2026 Mortgage standards have tightened, but not only strong demand has mitigated the impact on lending conditions CNB tightens banks' capital buffer. Responds to faster credit growth and new risks, including fiscal

Loan Trends 10.8 % year-over-year Deposit Trends 4.7 % year-over-year Ratio of Non-Performing Loans 1.4 % New Loans in the Economy 136 billion CZK A Boost to the Economy from New Loans 18.2 % of GDP Interest Rates on New Loans 4.8 %

The CNB keeps rates at 3.75%. Core inflation and energy prices leave the door open for a rate hike in November Banking Statistics for July 2026 Two bank stress tests, one conclusion: the resilience of Czech banks The CNB is waiting for a new impetus and is counting on economic growth that is less inflationary Expect the CNB to hold in August—but keep a September hike to 4% on the radar

Number of new mortgages granted, including and excluding refinancing and loan increases 58 thousand; YTD Volume of Newly Granted Mortgages, Including and Excluding Refinancing and Top-Ups 273.4 billion CZK; YTD Average Interest Rate on New Mortgages 5.00 % Average Size of a New Mortgage 4.59 million CZK Illustrative Average Monthly Mortgage Payment 25 888 CZK Total mortgage volume for the entire year 381 billion CZK

CBA Hypomonitor: The cooling of the mortgage market continued in August, with rates at 5% CBA Hypomonitor: Higher Rates Cooled the Mortgage Market in July, but Not Its Strength Mortgage standards have tightened, but not only strong demand has mitigated the impact on lending conditions CBA Hypomonitor: Higher Rates and Regulations Slowed Mortgage Growth, but the Market Remained Strong in June CBA Hypomonitor: A slight increase in the mortgage rate to 4.67% sustained solid activity in May

Trends in Real Estate Asking Prices 10.7 % year-over-year Trends in Actual Sale Prices of Older Apartments 14.0 % year-over-year Trends in Actual Apartment Prices in Prague, % yoy 11.3 % year-over-year Prices of New and Nearly New Apartments and the Number of Transactions 9.7 % yoy Prices of Older Apartments and the Number of Transactions 10.8 % year-over-year Prices of Apartments and Single-Family Homes 8.3 % year-over-year Prices of New and Nearly New Apartments by Region 146.6 thousand CZK per square meter Prices of Older Apartments by Regional Capital City 78.3 thousand CZK per square meter Prices of Single-Family Homes by Regional Capital Cities 6.51 (price per house in millions of CZK)

Real estate price growth has slowed to below 8% on an annualized basis, but older properties are maintaining a 10% growth rate The surprising slowdown in the rise of prices for new apartments in Prague has not carried over to older apartments Transaction prices for apartments did not slow down much in the second quarter High savings, rising property prices and little relief for the CNB Realized apartment prices are rising more slowly, but the regional markets have not yet cooled off

CBA Forecast: Gross Domestic Product 2.0 % year-over-year CBA Forecast: Consumer Prices (Inflation) 2.0 % year-over-year CBA Forecast: Average Wage 7.1 % year-over-year CBA Forecast: Unemployment 4.9 % CBA Forecast: CNB Interest Rate 3.75 % CBA Forecast: Exchange Rate Against the Euro 24.2 EUR/CZK

CBA Macroeconomic Forecast for Q3 2026 (Part 2): An Interview with Economist Adam Ruschka CBA Macroeconomic Forecast for 3Q26 (Part 1): Interview with Economist Petr Dufek CBA MACROECONOMIC FORECAST FOR THE THIRD QUARTER OF 2026 CBA Macroeconomic Forecast 2Q26 (Part 2): interview with Helena Horská CBA Macroeconomic Forecast 2Q26 (Part 1): interview with economist Petr Gapek