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The Czech banking sector is dominated by a handful of major players, where Česká spořitelna led the pack with *** million clients as of 2024. ČSOB followed with nearly *** million clients.

Banking landscape in Czechia

This concentration of customers among a few large banks reflects the overall strength of the financial system in the country, which has seen total banking assets as a share of GDP grow again. While the top banks control a significant share of customers, the Czech market still maintains a diverse array of financial institutions. As of 2024, a total of **banks were operating in the country, with branches making up the most significant portion at **. This competitive environment has helped drive innovation and customer service improvements across the sector.

Mortgage market trends

The mortgage market has shown resilience and growth in recent years. New mortgage lending reached over ** million Czech koruna in March 2025, representing a significant increase from the previous year. Additionally, the average value of new mortgages has been on the rise, reaching the highest figures since 2020. This upward trend in mortgage values suggests a robust real estate market and increasing consumer confidence in long-term financial commitments. The strength of Czech banks is further evidenced by the declining share of non-performing loans, which dropped from over ** percent in the early 20s to just above *** percent by the beginning of 2025, highlighting improved risk management and overall financial health.