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 and 23.5% of GDP.
Overall, CSOB was the largest mortgage lender with 30.4% of the market followed by Ceska Sporitelna (with a 23.1% share ) and Hypotecni Banka (22.5%). Looking at the last 12 months, Ceska Sporitelna gained the most in market share - 12.0 bp to 23.1% - compared to mBank Czech Republic's -6.02 bp (to 1.69%) and 's bp (a market share of 0%).
The combined trio of largest banks held 74.7% of outstanding mortgage loans in September 2022.
Helgi Library 
