Air Bank's retail loans reached CZK 96,949 mil at the end of 2023-12-31, up 4.87% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%.

Overall, retail loans accounted for 101% of the bank's loan book at the end of 2023-12-31.

Mortgage loans rose 4.33% to CZK 17,997 mil in 2023-12-31 and accounted for 18.6% of the retail loan portfolio.