By Helgi Library - November 16, 2023
Air Bank's mortgage loans reached CZK 18,000 mil in 3Q2023, up 5.88% compared to the previous year. Czech banking sector provid...
By Helgi Library - September 30, 2023
Air Bank generated total banking revenues of CZK 1,841 mil in 2023-06-30, up 31.8% compared to the previous year. Czech ba...
By Helgi Library - September 30, 2023
Air Bank's customer loans reached CZK 85,895 mil in 2023-06-30, up 3.06% compared to the previous year. Czech banking sector pr...
| Profit Statement |
| Balance Sheet |
| Ratios |
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| income statement | Unit | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
| growth rates | ||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | 139 | 37.5 | 52.4 | 12.7 | -5.47 |
| ratios | Unit | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.98 | 6.06 | 6.82 | 5.34 | 5.11 | |||
| Return on Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Costs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
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By Helgi Library - November 16, 2023
Air Bank made a net profit of CZK 551 mil under revenues of CZK 1,519 mil in the third quarter of 2023, down 24.3% and 8.18% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 936 mil i...
By Helgi Library - November 16, 2023
Air Bank made a net profit of CZK 551 mil in the third quarter of 2023, down 24.3% when compared to the same period of last year. This implies a return on equity of 15.5%. Historically, the bank’s net profit reached an all time high of CZK 936 mil in 2Q2023 and a...
By Helgi Library - September 30, 2023
Air Bank's retail loans reached CZK 81,500 mil in the second quarter of 2023, up 3.16% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Air Bank accounted for 3....
By Helgi Library - November 16, 2023
Air Bank's customer deposits reached CZK 131,009 mil in 2023-06-30, up 2.31% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,832 bil in 2023-06-30, up 3.12% when compared to the last year. Air Bank accounted for 1.9...
By Helgi Library - November 16, 2023
Air Bank employed 995 persons in 2023-09-30, up 0.406% when compared to the previous year. Historically, the bank's workforce hit an all time high of 995 persons in 2023-09-30 and an all time low of 414 in 2012-12-31. Average cost reached USD 3,737 per month per ...
By Helgi Library - November 16, 2023
Air Bank's capital adequacy ratio reached 18.0% at the end of third quarter of 2023, up from 17.7% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 18.2% in 4Q2021 and an all time low of 10.8% in 3Q2013. Th...
By Helgi Library - November 16, 2023
Air Bank's retail deposits reached CZK 131,009 mil in 2023-06-30, up 2.31% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,513 bil in 2023-06-30, up 1.93% when compared to the last year. Air Bank accounted for 3.73% o...
By Helgi Library - November 16, 2023
Air Bank's non-performing loans reached 1.28% of total loans at the end of 2023-09-30, up from 0.961% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.89% in 2018-12-31 and an all time low of 0.004% in 2013-03-31. Provisi...
By Helgi Library - September 30, 2023
Air Bank's consumer loans reached CZK 64,500 mil in 2023-06-30, up 2.38% compared to the previous year. Czech banking sector provided consumer loans of CZK 486 bil in 2023-06-30, up 2.85% when compared to the last year. Air Bank accounted for 13.3% of all...
By Helgi Library - November 16, 2023
Air Bank's net interest margin amounted to 3.05% in the third quarter of 2023, up from 2.93% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.68% in 1Q2020 and an all time low of -0.856% i...
Air Bank is a Czech Republic-based commercial bank set up and owned by the PPF Group. The Bank officially started its operations in the Czech Republic in November 2011 with a special focus on the online banking and friendly customer care. The Bank's product portfolio remains fairly limited with a special focus on the current and savings accounts and consumer loans.. But, the Bank develops fast and tries to differentiate from the market by its friendly approach such as operating through branches without counters, open in the evenings and during the weekends. At the end of 2018, Air Bank had almost 800 employees, it was operating 35 branches in major Czech cities, and had more than 660,000 customers
Air Bank has been growing its revenues and asset by 22.3% and 15.4% a year on average in the last 10 years. Its loans and deposits have grown by 19.7% and 15.4% a year during that time and loans to deposits ratio reached 63.1% at the end of 2022. The company achieved an average return on equity of 11.8% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 36.7% in 2022, compared to 48.0% average in the last decade.
Equity represented 8.24% of total assets or 15.5% of loans at the end of 2022. Air Bank's non-performing loans were 3.96% of total loans while provisions covered some 120% of NPLs at the end of 2022.
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