Credit market barometer
INTERESTING TRENDS ON THE CREDIT MARKET AS OF 30 JUNE 2016
VOLUME OF NEW OVERALL DEBT OF INDIVIDUALS PROVIDED IN THE 2ND QUARTER 2016 INCREASED SIGNIFICANTLY
93.3
149.1
bil. CZK
55.9
Year-on-year
increase
bil. CZK
bil. CZK
13.3
bil. CZK
23.2
Year-on-year
increase
17%
bil. CZK
Year-on-year
increase
Short-term debt
9.9
Long-term debt
18%
bil. CZK
21%
The total debt of population provided in the second quarter 2016 was CZK 149.1 billion, which was CZK 23.2 billion (or 18%) more than in the second quarter 2015. The long-term debt (mortgage loans and building savings loans) provided in the second quarter 2016
was CZK 93.3, which was CZK 13.3 billion (or 17%) more than in the second quarter 2015. The short-term debt (consumption loans) provided in the second quarter 2016 was CZK 55.9 billion, which was CZK 9.9 billion (or 21%) more than in the second quarter 2015.
VOLUME OF OVERALL DEBT OF INDIVIDUALS INCREASED BY MORE THAN 7%
VOLUME OF LONG-TERM DEBT INCREASED BY ALMOST 8%
AND SHORT-TERM DEBT BY 7%
1.5
1.9
trillion CZK
Short-term debt
trillion CZK
21 399.1
%
bil. CZK
Year-on-year
increase
133.6
bil. CZK
107.2 bil. CZK
Year-on-year
increase
7.8%
79
7.6%
Year-on-year
increase
Long-term debt
The total debt of the population was CZK 1.9 trillion, which was CZK 133.6 billion
(or 7.6%) more than in the previous year.
26.4 bil. CZK
%
7.1%
Long-term debt represented 78.8% of the total, while short-term debt was accounted for 21.2%. The volume of long-term debt was CZK 1.5 trillion,
which was CZK 107.2 billion (or 7.8%) more than in the previous year. The volume of short-term debt was CZK 399.1 billion, which was CZK
26.4 billion (or 7.1%) more than in the previous year.
NUMBER OF INDEBTED INDIVIDUALS REMAINED ALMOST UNCHANGED
1,943,747
persons
Short-term
debt
Year-on-year increase
1.2%
502,364
614,064
persons
persons
Year-on-year increase
Year-on-year increase
0.3%
0.3%
TOTAL 3,060,175 PERSONS, INCREASE 0.9% YEAR-ON-YEAR
The number of indebted persons was 3,060,175 and their number increased by 26,413 persons (or 0.9%) year-on year. The number of indebted persons with only long-term debt
was 614,064 which is 2,080 persons (or 0.3%) more year-on-year. The number of persons with only short-term debt was 1,943,747 which is 22,581 persons (or 1.2%) more
year-on-year. 502,364 persons had both types of debt, which is 1,752 (or 0.3%) more year-on-year.
1
Long-term
debt
Credit market barometer
INTERESTING TRENDS ON THE CREDIT MARKET AS OF 30 JUNE 2016
AVERAGE DEBT PER CLIENT INCREASED
NUMBER OF CONTRACTS
IN CBCB AND CNCB SLIGTHLY
INCREASED
The average amount of short-term
debt per client
Year-on-year
increase
5.85
milion
contracts
Year-on-year
increase
163
thousand
CZK
35,863
6%
0.6%
bil. CZK
The average amount of long-term debt per client was
CZK 1,332,315. Compared to the previous year, it increased
by CZK 91,769 (or 7.4%).
31.3
Year-on-year
decrease
Long-term debt at risk
33 15.7
bil. CZK
–3.9
%
Year-on-year
decrease
bil. CZK
bil. CZK
–1.2
-18.6%
Year-on-year
decrease
bil. CZK
–4%
–2.7
Short-term debt at risk
The total volume of debt at risk reached CZK 47 billion, which was CZK 3.9 billion (or 18.6%) less than
in the previous year.
509
thousand CZK
Year-on-year
decrease
–64
100
The number of clients with
long-term debt at risk
31,994
–1,249
–20
-3.9%
–11.2%
–16.6%
–14.6%
30,745
The number of clients with
short-term debt at risk
270,790
312,357
Year-on-year
increase
41,567
15.4%
2Q 2015
2Q 2016
2Q 2015
2Q 2016
The number of clients with long-term debt at risk was 30,745 which is 1,249 (or 3.9%) fewer year-on-year. The number
of clients with short-term debt at risk was 312,357 which is 41,567 (or 15.4%) more year-on-year.
Amount per client
with long-term debt at risk
The average amount per client with long-term debt at risk reached CZK 509,196 which was CZK 64,017 (or 11.2%)
less than in previous year. The average amount per client with short-term debt at risk reached CZK 100,331 which
was CZK 19,943 (or 16.6%) less than in the previous year.
Explanations: Long-term debt - mortgage, mortgage loans and building savings loans,
Short-term debt - consumption loans.
Source: CBCB - Czech Banking Credit Bureau, CNCB - Czech Non-Banking Credit Bureau
Year-on-year
decrease
Year-on-year
decrease
thousand CZK
%
NUMBER OF CLIENTS WITH LONG-TERM DEBT
AT RISK DECREASED WHILE NUMBER OF CLIENTS
WITH SHORT-TERM AT RISK INCREASED
thousand CZK
thousand CZK
67
bil. CZK
Of the total volume of debt at risk, CZK 15.7 billion was long-term debt, which was 2.7 billion (or 14.6%) less than in previous
year. Of the total volume of debt at risk, CZK 31.3 billion was short-term debt, which was 1.2 billion (or 4%) less than in the
previous year.
AMOUNT OWED PER CLIENT WITH LONG-TERM
AT RISK AND SHORT-TERM DEBT AT RISK
DECREASED SIGNIFICANTLY
Amount
per client
with short-term
debt at risk
7.4%
PARTICULARLY LONG-TERM DEBT AT RISK
DECREASED
VOLUME OF LOANS AT RISK DECREASED
SIGNIFICANTLY
47
thousand CZK
milion CZK
The average amount of short-term debt was CZK 163,143. Compared
to the previous year, it increased by CZK 9,278 (or 6%).
CBCB and CNCB recorded recorded 5,852,041 open contracts.
The number increased by 35,863 contracts (or 0.6%) year-on-year.
92
1.3
9,278 CZK
contracts
Year-on-year
increase
The average amount of long-term
debt per client
2