# Private non-financial credit-to-GDP gap in Czechia

Private non-financial credit-to-GDP gap in Czechia was -3.53 percentage points in Q1 2026 (estimated). Source: Bank for International Settlements.

- Indicator id: `private_nonfinancial_credit_gap`
- Place id: `cz`
- Unit: percentage points
- Definition: Difference in percentage points between private non-financial credit as a share of GDP and its long-run trend, estimated by the BIS with a one-sided, backward-looking Hodrick-Prescott filter. A level difference, not a percentage change.
- Note: BIS estimate. Can differ from the credit gap used by national authorities. It supports risk analysis; it is not an automatic lending or policy threshold.
- Source: Bank for International Settlements, BIS WS_CREDIT_GAP: P.A.C, quarterly, private nonfinancial credit gap (https://stats.bis.org/api/v2/data/dataflow/BIS/WS_CREDIT_GAP/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.P.A.C?format=csv&startPeriod=1970-Q1)
- Publisher page: https://invokely.ai/en/publishers/bis
- Retrieved: 2026-10-12
- License: BIS terms for statistics: attribution required; inclusion in commercial products must not add a charge to users; other conditions apply
- Citation: Bank for International Settlements (BIS), compiled from central bank and other national sources. BIS WS_CREDIT_GAP: P.A.C, quarterly, private nonfinancial credit gap. https://stats.bis.org/api/v2/data/dataflow/BIS/WS_CREDIT_GAP/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.P.A.C?format=csv&startPeriod=1970-Q1. Retrieved 2026-10-12.
- Web page: https://invokely.ai/en/private-nonfinancial-credit-gap/czechia
- API: https://invokely.ai/api/v1/series?indicator=private_nonfinancial_credit_gap&place=cz

| Period | percentage points |
|---|---:|
| 2026-Q1 | -3.53 (estimated) |
| 2025-Q4 | -4.83 (estimated) |
| 2025-Q3 | -4.69 (estimated) |
| 2025-Q2 | -3.49 (estimated) |
| 2025-Q1 | -4.05 (estimated) |
| 2024-Q4 | -2.88 (estimated) |
| 2024-Q3 | -2.83 (estimated) |
| 2024-Q2 | -3.59 (estimated) |
| 2024-Q1 | -3.92 (estimated) |
| 2023-Q4 | -7 (estimated) |
| 2023-Q3 | -7.59 (estimated) |
| 2023-Q2 | -7.09 (estimated) |
| 2023-Q1 | -5.59 (estimated) |
| 2022-Q4 | -3.53 (estimated) |
| 2022-Q3 | -1.37 (estimated) |
| 2022-Q2 | -2.37 (estimated) |
| 2022-Q1 | -1.29 (estimated) |
| 2021-Q4 | -1.04 (estimated) |
| 2021-Q3 | -1.38 (estimated) |
| 2021-Q2 | -1.87 (estimated) |
| 2021-Q1 | -0.33 (estimated) |
| 2020-Q4 | -1.8 (estimated) |
| 2020-Q3 | -1.36 (estimated) |
| 2020-Q2 | -2.36 (estimated) |
| 2020-Q1 | -4.01 (estimated) |
| 2019-Q4 | -4.09 (estimated) |
| 2019-Q3 | -2.1 (estimated) |
| 2019-Q2 | -0.87 (estimated) |
| 2019-Q1 | 0.67 (estimated) |
| 2018-Q4 | 2.54 (estimated) |
| 2018-Q3 | 2.3 (estimated) |
| 2018-Q2 | 1.74 (estimated) |
| 2018-Q1 | 0.69 (estimated) |
| 2017-Q4 | 0.89 (estimated) |
| 2017-Q3 | 1.05 (estimated) |
| 2017-Q2 | 1.57 (estimated) |
| 2017-Q1 | 2.36 (estimated) |
| 2016-Q4 | 2.27 (estimated) |
| 2016-Q3 | 2.27 (estimated) |
| 2016-Q2 | 1.87 (estimated) |
| 2016-Q1 | 1.66 (estimated) |
| 2015-Q4 | 2.97 (estimated) |
| 2015-Q3 | 3.97 (estimated) |
| 2015-Q2 | 5.22 (estimated) |
| 2015-Q1 | 7.26 (estimated) |
| 2014-Q4 | 9.24 (estimated) |
| 2014-Q3 | 10.22 (estimated) |
| 2014-Q2 | 11.73 (estimated) |
| 2014-Q1 | 12.7 (estimated) |
| 2013-Q4 | 14.85 (estimated) |
| 2013-Q3 | 15.79 (estimated) |
| 2013-Q2 | 16.63 (estimated) |
| 2013-Q1 | 16.13 (estimated) |
| 2012-Q4 | 16.4 (estimated) |
| 2012-Q3 | 15.28 (estimated) |
| 2012-Q2 | 15.02 (estimated) |
| 2012-Q1 | 14.33 (estimated) |
| 2011-Q4 | 15.24 (estimated) |
| 2011-Q3 | 15.01 (estimated) |
| 2011-Q2 | 15 (estimated) |
| 2011-Q1 | 14.62 (estimated) |
| 2010-Q4 | 15.15 (estimated) |
| 2010-Q3 | 16.25 (estimated) |
| 2010-Q2 | 17.72 (estimated) |
| 2010-Q1 | 17.42 (estimated) |
| 2009-Q4 | 18.11 (estimated) |
| 2009-Q3 | 17.15 (estimated) |
| 2009-Q2 | 16.69 (estimated) |
| 2009-Q1 | 15.99 (estimated) |
| 2008-Q4 | 17.18 (estimated) |
| 2008-Q3 | 15.42 (estimated) |
| 2008-Q2 | 13.69 (estimated) |
| 2008-Q1 | 12.54 (estimated) |
| 2007-Q4 | 11.96 (estimated) |
| 2007-Q3 | 10.73 (estimated) |
| 2007-Q2 | 9.02 (estimated) |
| 2007-Q1 | 8.32 (estimated) |
| 2006-Q4 | 7.84 (estimated) |
| 2006-Q3 | 6.22 (estimated) |
| 2006-Q2 | 6.18 (estimated) |
| 2006-Q1 | 5.05 (estimated) |
| 2005-Q4 | 2.92 (estimated) |
| 2005-Q3 | 2.47 (estimated) |
| 2005-Q2 | 1.9 (estimated) |
| 2005-Q1 | 0.39 (estimated) |
| 2004-Q4 | -0.74 (estimated) |
| 2004-Q3 | -0.12 (estimated) |
| 2004-Q2 | -0.38 (estimated) |
| 2004-Q1 | -0.22 (estimated) |
| 2003-Q4 | -2.69 (estimated) |
| 2003-Q3 | -3.03 (estimated) |
| 2003-Q2 | -2.43 (estimated) |
| 2003-Q1 | -0.88 (estimated) |