Air Bank - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | September 09, 2019
$2.99
Excel Sheet

Air Bank's non-performing loans reached 2.29% of total loans at the end of 2018, down from 2.98% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.99% in 2012 and an all time low of 2.29% in 2018.

Provision coverage amounted to 125% at the end of 2018, up from 113% compared to a year earlier.

The bank created loan loss provisions worth of -0.340% of average loans in 2018. That's compared to 2.36% of loans the bank put aside to its cost on average in the last five years.

Comparing Air Bank with its closest peers, Komercni Banka operated at the end of 2018 with NPL ratio of 2.71% and provision coverage of 59.4%.

You can see all the bank’s data at Air Bank Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit 2011 2012 2013 2014 2015 2016 2017 2018
Air Bank % ... 7.99% 5.03% 5.55% 4.67% 4.17%
Banka Creditas % 20.4% 20.1% 20.0% 13.3% 11.9% ...
Ceska Sporitelna % 5.45% 4.87% 4.43% 3.82% 3.12% ...
Ceskomoravska Stavebni Sporitelna % 2.51% 2.90% 2.66% 2.67% 2.31% ...
Cofidis Czech Republic % ... ... ... ... ... ... ...
CSOB % 3.57% 4.79% 4.19% 3.73% 3.03% ...
Equa Bank % 7.99% 2.04% 2.53% 3.01% 1.15% ...
Essox % 31.0% 30.6% 31.1% 30.0% 26.3%
Expobank Czech Republic % 9.53% 11.9% 3.44% 5.55% 6.47% ...
Fio banka % 13.3% 15.7% 13.5% 11.4% 9.94% ...
Hello Bank! % 13.2% 22.4% 18.1% 18.1% 15.4%
Home Credit Group % 7.57% 12.2% 15.3% 10.0% 8.05%
Hypotecni Banka % 3.90% 3.76% 5.24% 3.12% 2.32% ...
J&T Banka % 9.12% 8.99% 4.72% 10.2% 10.0% ...
Komercni Banka % 5.80% 5.60% 5.21% 4.20% 3.80%
Modra Pyramida Stavebni Sporitelna % 3.09% 3.99% 4.55% 4.99% 4.17% ...
MONETA Money Bank % 16.2% 14.8% 12.9% 11.7% 5.97%
Moravsky Penezni Ustav % 15.0% 32.7% 39.0% 39.4% 24.4% ...
PPF Banka % 6.06% 0.642% 8.26% 8.95% 7.63% ...
Profi Credit Czech % 68.5% 65.6% 66.2% 70.1% 73.2%
Profireal Group % 50.4% 51.1% 54.5% 60.1% 67.7% ...
Provident Financial Czech Republic % 45.8% 47.2% 51.1% 41.9% 40.9%
Raiffeisen Stavebni Sporitelna % 2.77% 3.36% 3.50% 3.90% 3.48% ...
Raiffeisenbank Czech Republic % 11.6% 6.74% 5.98% 4.68% 3.60% ...
Sberbank Czech Republic % 8.16% 7.94% 5.95% 5.19% 5.74% ...
Stavebni Sporitelna Ceske Sporitelny % 4.14% 4.81% 4.60% 2.59% 2.43% ...
UniCredit Czech Republic % 5.60% 4.83% 5.88% 5.06% 4.13% ...
Wustenrot Hypotecni banka % 3.81% 4.32% 4.62% 3.50% 3.77% ...
Wustenrot Stavebni Sporitelna % 2.04% 2.61% 3.16% 3.29% 3.65% ...
AVERAGE % 14.4% 13.7% 14.3% 14.5% 13.9% 12.8% 12.3% 19.4%