Loans increased by 2.69% qoq to CZK 4,064 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).
Overall, Ceska Sporitelna remains the largest lender with 22.1% of the market followed by CSOB with a 21.2% market share and Komercni Banka (19.1%). At the end of September 2022, most of Ceska Sporitelna's loans came from residential mortgages (42.6% of total). Corporate loans formed 38.4% and consumer loans represented a further 8.59% of the total loan book.
Helgi Library 
