Throughout 2023, the five largest Czech banks (Česká spořitelna, ČSOB, Komerční banka, Raiffeisenbank, and UniCredit Bank) conducted a pilot program to collect data for the purpose of developing an aggregate ESG indicator in the area of housing finance. This was based on quarterly volumes of new mortgage transactions structured according to the energy performance ratings of buildings. The quarterly data on new transactions were then supplemented with loan balances as of the end of 2023.

At the turn of 2023 and 2024, the aggregated data was evaluated; given the size of the balance sheet totals of the aforementioned banks, the aggregated data can be considered a representative snapshot of the banking sector as a whole and will continue to be published on the CBA website on a quarterly basis. For the sake of completeness, it should be noted that KB and ČSOB report data for their entire groups (i.e., including building societies), while the others report exclusively for their own banks. When classifying their mortgage portfolios [1] in terms of the energy performance of financed and/or mortgaged properties, banks must rely to a large extent on estimates, the accuracy of which depends on the quality of the data obtained on these properties.

[1] Banks’ obligation to report data from Energy Performance Certificates (EPCs) stems from the requirements of the EU Taxonomy, Pillar 3, and the EBA’s General Guidelines on Credit Monitoring and Lending, which require banks to collect this data in order to assess the energy efficiency of financed buildings as part of their ESG risk assessments. Furthermore, data from the PENB is used as a technical criterion when assessing compliance with the EU Taxonomy and in Pillar 3 reporting.

The share of new mortgages with energy performance certificates continued to decline in the second quarter of 2026 to 36%, though the share of “A” ratings rose to a historic high.