CMZRB – Czech-Moravian Guarantee and Development Bank

Jeruzalémská 964/4
11000 Prague 1
Czech Republic

+420 255 721111

Czech-Moravian Guarantee and Development Bank (CMZRB), serving as a national promotional institution of the Czech Republic, was established in 1992. CMZRB is a specialized fully state-owned banking entity aimed at contributing to the efficient economic development of Czech Republic. Shareholders rights of the Czech Republic are executed by three ministries: Ministry of Industry and Trade, Ministry of Regional Development and Ministry of Finance.

The main mission of CMZRB is to facilitate SMEs´ access to financing through specialised banking products and to assist in developing other selected areas of the economy that require public support.

CMZRB provides its clients with bank guarantees, preferential loans and financial subsidies funded from national resources as well as EU structural funds.  Clients may use the services of CMZRB branches in Prague and other four biggest cities (Brno, Hradec Králové, Ostrava and Pilsen). The bank employs about 215 people.

Except AECM, CMZRB is a member of the Network of European Financial Institutions for Small and Medium Sized Enterprises (NEFI) and the European Long-Term Investors Association (ELTI).

Year of creation
individual entities or association
Do you (your members) benefit of a public counter-guarantee that allows deponderation (capital relief)?No
Do your guarantees provide deponderation (capital relief) for member banks subject to capital requirements (Basel agreement)?Yes
Do you (your members) dispose of an internal rating/scoring system?Yes
Do you (your members) use..?
De minimis or GBER or Regional guidelines or Notification
De minimis, GBER
Is the activity subject to state aid regulation?Yes
Other SME support instruments offered by your organisation/your members
Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services
Preferential loans, financial contributions (e.g. interest rate subsidies)
Types of guarantee products provided by your organisation/your membersPortfolio/individual guarantees, Working capital loan guarantees
Are you/your members financial intermediary for EU-programmes?
CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020
COSME, EU Structural funds - ERDF
Type of scheme
guarantee or counter-guarantee
Product typology
guarantee or counter-guarantee or co-guarantee
Profit / Non-profit oriented
dividends to public shareholders are not considered as profit orientation
Non-profit oriented
Supervision statute
i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members
Supervised by the Czech National Bank
Size of businesses supported
i.e. large companies, SMEs, micro-enterprises, independent/self-employed
SMEs (primarily), Micro-enterprises, Independent/self-employed, Large enterprises
Sectorial focus
i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc.
Industry, Crafts, Retail, Liberal professions, Cooperatives
Geographic coverage
i.e. local, regional, national
Structure / Network
i.e. central scheme with regional offices, central scheme only, association network
Headquarters and branch network
Legal form
of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Joint stock company
Shareholder structure
Private / Public (in %)
Czech Republic - 100% shareholder
i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models
fully state-owned banking entity
Type of organization
National Promotional Bank (NPB), National Promotional Institution (NPI), Private, Mutual, Mixed


Table presenting the range of Products of CMZRB
application/pdf | 688,96 KB