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Latest situation of KB

Information regarding COVID-19 etc.






KB currently accepts applications under a guarantee programme of ČMZRB (Czech-Moravian Guarantee and Development Bank) intended for the support of entrepreneurs and businesses affected by the COVID-19 pandemic – the so-called COVID III programme. It is a guarantee programme available throughout the Czech Republic (incl. Prague), under which ČMZRB provides support in the form of guarantees for operating loans. The total allocation of funds under the COVID III programme amounts to CZK 150 bn., with CZK 50 bn. for tranche 1.

Applications are accepted solely via the “I WANT A LOAN” online form available at KB’s website – see the above link.

The ČMZRB guarantee itself is to be arranged by Komerční banka as part of the loan application process – i.e. it is not necessary to apply for the guarantee separately, as was the case in connection with previous guarantee schemes.


Envisaged basic parameters of a KB loan and ČMZRB guarantee under the COVID III programme:

Eligible borrowers


  • Legal entities and entrepreneurs (individuals) in the Czech Republic with no more than 500 employees
  • Engaged in the following sectors: agriculture, forestry, production, trade, transportation, services, etc. (CZ-NACE A, B08, C, E, F, G, H, I, J, M, N, P, Q, R a S)

Loan purpose

Financing of operations (with a revolving option available)

Maximum loan amount

CZK 50 million

Loan currency


Loan to be arranged by

No later than 31 December 2020

Form of ČMZRB support

Loan guarantee

Maximum guarantee amount


Maximální výše záruky

90% of the guaranteed loan for applicants with up to 250 employees


80% of the guaranteed loan for applicants with 250 to 500 employees

Maximum term of guarantee

3 years

Other specific conditions

Guarantee validity is subject to disclosure of the borrower, including its beneficial owner





As of 1 February 2021, ČMZRB (Czech-Moravian Guarantee and Development Bank) accepts applications for COVID SPORT bank guarantee.

This guarantee is intended for small and medium-sized enterprises active in the area of sports (for selected NACE codes) anywhere in the Czech Republic with the exception of the City of Prague.

In order to qualify for the guarantee, a loan must be provided; a copy of the relevant loan agreement must be enclosed to your bank guarantee application.


Parameters of the guaranteed loan:

Maximum loan amount


CZK ​15 million

Eligible NACE


49392 – Passenger transport by cable cars or ski lifts

8551 – Sports and recreation education

9311 – Operation of sports facilities

9312 – Activities of sports clubs (only if closed due to the COVID pandemic)

9313 – Fitness facilities (only if closed due to the COVID pandemic)

9319 – Other sports activities (only if closed due to the COVID pandemic)

9329 – Other entertainment and recreation activities (only for operation of ski slopes and rental of equipment for leisure and entertainment as an integral part of services provided by recreation facilities)

Loan purpose

Funding of operating costs (e.g. wage costs, cost of energy, rent, settlement of supplier invoices, funding of receivables, purchase of materials, inventories, and other low-value assets). It must always concern new financing – the guarantee cannot be provided for an existing loan. No other support can be used in connection with the costs covered by the loan.

Loan type

Gradually repaid loans for the funding of operating costs

Revolving loans

The guarantee may also be used to secure partial loans under a framework agreement.

Final maturity of the loan
(other than revolving loans)

No less than 24 months

Loan drawdowns

Drawdowns must start within 3 months from the day the loan is granted.

Maximum guarantee amount


Maximum term of guarantee

3 years

Guarantee with a financial contribution for interest paid on the loan in the following amount:

30% of the guaranteed loan – up to CZK 150,000 for loans of up to CZK 500,000

20% of the guaranteed loan – up to CZK 200,000 for loans ranging from CZK 500,000 to CZK 1,000,000

15% of the guaranteed loan – up to CZK 1,000,000 for loans of more than CZK 1,000,000

The maximum amount of the financial contribution and payment dates shall be specified in the bank guarantee agreement.


Termination of application. Notice of intent to use the protection period

As of October 1, 2020, the application of client Notifications of intention to use the protection period for business loans is terminated, following Act No. 177/2020 Coll. of April 16, 2020, on specific field measures of loan repayment in connection with the COVID-19 pandemic. After September 30, 2020, clients who announce their intention can no longer be complied with by law.

​KB – in cooperation with the Czech-Moravian Guarantee and Development Bank (ČMZRB) – continues to provide loans on preferential terms with M-Guarantee (programme Guarantee 2015 – 2023). For more information, visit our website.

In cooperation with the Farming and Forestry Relief and Guarantee Fund (Podpůrný a garanční rolnický a lesnický fond, a.s.; “PGRLF”), we are prepared to provide support to farmers in the form of loans with interest rate subsidies. For current information about individual programmes, visit the PGRLF website.

Guide for taxpayers in connection with the coronavirus pandemic

Current information for businesses in connection with the coronavirus pandemic

Current information for businesses in connection with the coronavirus pandemic 

In connection with our long-term cooperation with ČMZRB, we will be able to provide our business clients with financing featuring COVID Prague guarantee; as part of the programme, small businesses and entrepreneurs active in the City of Prague can benefit from operating loans guaranteed by ČMZRB. It is a guarantee scheme that features support of ČMZRB in the form of a guarantee and financial contribution for interest payments of guaranteed loans. Only existing bank loans qualify for the COVID Prague guarantee.​

Programme applications should be accepted as from 21 April 2020   COLLECTION OF APPLICATIONS HAS ENDED

We will keep you updated on new developments.

For more information about the programme, see the ČMZRB website.

Basic parameters of the guarantee

Intended for Small and medium-sized businesses
Regional restrictions City of Prague
Purpose of the guaranteed loan Operating cost
Maximum guarantee amount 80% of the guaranteed loan
Maximum amount of the guaranteed loan CZK 15 million
Maximum term of guarantee 3 years
Maximum financial contribution for interest CZK 1 million over the period of 3 years
State aid level De minimis aid

ČMZRB guarantees for operating loans of commercial banks

In connection with our long-term cooperation with ČMZRB, we wish to introduce a new COVID Guarantee Expansion programme for our business clients, combining operating loans with a ČMZRB guarantee.

The new programme will make it easier for businesses to receive operational funding during these trying times, with contributions for interest payments in connection with new loans. Business clients can cover their expenses associated with acquisition of small tangible and intangible assets, inventory acquisition and financing, staff costs, energy costs, rent, settlement of trade payables (invoices), pre-financing of receivables, and other operating expenses.

Basic terms of the guarantee:

  • Up to 80% of the guaranteed loan principal

  • Guaranteed loan amount from CZK 10,000 to CZK 15 million

  • Solely for borrower’s operating costs

  • Term of guarantee not to exceed 3 years

  • Total amount of financial contributions for interest payments depends on the guaranteed loan amount: 30% for loans up to CZK 500,000 (max. CZK 150,000), 20% for loans from CZK 500,000 to CZK 1 million (max. CZK 250,000), and 15% for loans over CZK 1 million

Guarantee intended for:​
Small and medium-sized businesses affected by the coronavirus pandemic (with the exception of the City of Prague and some specific activities).

Period for submitting applications: as of 2 April 2020

For more information about the programme, see the ČMZRB website.