Loans increased by 2.69% qoq to CZK 4,064 bil during the third quarter of 2022. This implies an annual growth rate of 7.60% in the last 12 months. In the last decade, bank loans have grown by 5.65% a year on average.
Mortgage loans grew 6.80% yoy in the last 12 months and were up 1.13% qoq in the last quarter. At the end of September, mortgages formed 40.8% of total loans. Consumer loans increased 1.40% qoq (up 5.72% yoy) and represented 11.4% of total bank loans while corporate loans grew 4.65% qoq and were up 7.90% yoy to CZK 1,278 bil (or 31.4% of loans).
The comparison of 5 Czech banks shows Stavebni Sporitelna Ceske Sporitelny has grown the fastest in relative terms within the last quarter (2.53%% qoq), followed by Raiffeisen Stavebni Sporitelna and PPF Banka. In absolute terms, however, Stavebni Sporitelna Ceske Sporitelny grabbed the largest piece of the pie when compared to the previous quarter (CZK 1,532 mil or 1.44% of the market net increase) followed by Raiffeisen Stavebni Sporitelna and PPF Banka.
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