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5.1 Development of contractual savings between 1997 - 2008

  1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 30.6.2008
Newly signed contracts in given period Number 530 176 638 232 906 867 1 115 926 1 373 258 1 293 890 2 097 338 314 650 430 233 516 385 579 730 307 103
Increase (%)   20,4 42,1 23,1 23,1 -5,8 62,1 -85,0 36,7 20,0 12,3 -47,0
Average target amount of newly signed contracts - physical persons Volume (in ths. CZK) 143,2 145,3 144,2 139,4 136,9 146,7 200,5 222,8 227,9 235,8 284,9 312,2
Increase (%)   1,5 -0,8 -3,3 -1,8 7,2 36,7 11,1 2,3 3,5 20,8 9,6
Total number of valid contracts 1) Number 1 967 849 2 371 816 2 801 389 3 424 580 4 196 408 4 870 620 6 300 831 5 899 300 5 573 874 5 297 522 5 132 595 5 056 904
Increase (%)   20,5 18,1 22,2 22,5 16,1 29,4 -6,4 -5,5 -5,0 -3,1 -1,5
Amount of recognized state support  Volume (in bil. CZK) 3,817 5,068 6,393 7,719 9,313 11,059 13,261 15,337 16,086 15,772 14,976 13,378
Increase (%)   32,8 26,1 20,7 20,7 18,7 19,9 15,7 4,9 -2,0 -5,0 -10,7
Average amount of state support recognized per one contract in given year 3) Volume (in CZK) 2 795 2 803 2 795 2 874 2 956 3 138 3 159 3 256 3 242 3 173 n/a n/a
Increase (%)   0,3 -0,3 2,8 2,9 6,2 0,7 3,1 -0,4 -2,1    
Total amount of deposits 1)  Volume (in bil. CZK) 59,552 81,731 93,629 110,400 133,309 180,190 236,815 287,077 328,987 359,848 384,880 387,345
Increase (%)   37,2 14,6 17,9 20,8 35,2 31,4 21,2 14,6 9,4 7,0 0,6
Credits in total 1) Number 81 870 187 245 286 942 373 463 465 824 568 920 685 740 786 483 857 875 900 653 942 944 961 455
  of which: contractual savings   21 554 70 377 167 687 262 259 346 145 420 929 488 850 549 698 582 867 587 501 580 352 576 845
  intercredits 2)   60 316 116 868 119 255 111 204 119 679 147 991 196 890 236 785 275 008 313 152 362 592 384 610
  Increase (%)   128,7 53,2 30,2 24,7 22,1 20,5 14,7 9,1 5,0 4,7 2,0
Credits in total 1) Volume (in bil. CZK) 5,936 17,669 26,346 31,011 37,023 46,308 63,597 84,184 108,063 135,450 179,301 200,701
  of which: contractual savings   0,712 2,790 8,416 14,207 18,522 21,916 25,099 28,735 31,751 35,073 38,912 39,988
  intercredits 2)   5,224 14,879 17,930 16,804 18,501 24,392 38,498 55,449 76,312 100,377 140,389 160,713
  Increase (%)   197,7 49,1 17,7 19,4 25,1 37,3 32,4 28,4 25,3 32,4 11,9
Credits in total / Total amount of deposits Ratio (%) 10,0 21,6 28,1 28,1 27,8 25,7 26,9 29,3 32,8 37,6 46,6 51,8

1) As at period-end
2) Credits according § 5 article 5 Act No 96/1993 Coll., about contractual savings and state support, in wording  of later Acts

Source: Ministry of Finance of the CR