By Helgi Library - August 30, 2023
Air Bank made a net profit of CZK 936 mil in the second quarter of 2023, up 44.8% when compared to the same period of last year. ...
By Helgi Library - August 30, 2023
Air Bank made a net profit of CZK 936 mil under revenues of CZK 1,841 mil in the second quarter of 2023, up 44.8% and 23.6% ...
By Helgi Library - August 30, 2023
Air Bank's mortgage loans reached CZK 17,000 mil in 2023-06-30, up 6.25% compared to the previous year. Czech banking sector pr...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | CZK mil | 3,691 | 3,742 | 5,152 |
| Net Fee Income | CZK mil | 163 | 589 | 727 |
| Other Income | CZK mil | -6.00 | 95.0 | 648 |
| Total Revenues | CZK mil | 3,848 | 4,426 | 6,527 |
| Staff Cost | CZK mil | 633 | 828 | 905 |
| Operating Profit | CZK mil | 2,105 | 2,188 | 4,133 |
| Provisions | CZK mil | 462 | -73.0 | 910 |
| Net Profit | CZK mil | 1,316 | 1,862 | 2,548 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | CZK mil | 2,378 | 2,691 | 2,600 |
| Customer Loans | CZK mil | 58,777 | 67,497 | 81,401 |
| Investments | CZK mil | 26,964 | 40,617 | 41,649 |
| Total Assets | CZK mil | 137,369 | 146,998 | 152,651 |
| Shareholders' Equity | CZK mil | 10,723 | 12,583 | 12,580 |
| Interbank Borrowing | CZK mil | 40.4 | 0 | 0 |
| Customer Deposits | CZK mil | 123,618 | 129,320 | 129,010 |
| Issued Debt Securities | CZK mil | 255 | 278 | 1,599 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 12.8 | 16.0 | 20.3 |
| ROA | % | 1.02 | 1.31 | 1.70 |
| Costs (As % Of Assets) | % | 1.36 | 1.57 | 1.60 |
| Costs (As % Of Income) | % | 45.3 | 50.6 | 36.7 |
| Capital Adequacy Ratio | % | 15.8 | 18.2 | 16.6 |
| Net Interest Margin | % | 2.87 | 2.63 | 3.44 |
| Loans (As % Of Deposits) | % | 47.5 | 52.2 | 63.1 |
| NPLs (As % Of Loans) | % | 3.19 | 3.25 | 3.96 |
| Provisions (As % Of NPLs) | % | 112 | 114 | 120 |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | 4.37 | 15.0 | 47.5 |
| Operating Cost Growth | % | 2.23 | 28.4 | 6.97 |
| Operating Profit Growth | % | 6.21 | 3.94 | 88.9 |
| Net Profit Growth | % | -14.8 | 41.5 | 36.8 |
| Customer Loan Growth | % | 5.77 | 14.8 | 20.6 |
| Total Asset Growth | % | 14.8 | 7.01 | 3.85 |
| Customer Deposit Growth | % | 15.5 | 4.61 | -0.240 |
| Shareholders' Equity Growth | % | 8.23 | 17.3 | -0.024 |
| Employees | 782 | 955 | 1,037 | |
Get all company financials in excel:
| summary | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||
| Net Interest Income | CZK mil | 2,071 | 2,482 | 2,773 | 3,535 | 3,691 | ||||||||
| Total Revenues | CZK mil | 2,509 | 2,938 | 2,914 | 3,687 | 3,848 | ||||||||
| Operating Profit | CZK mil | 1,091 | 1,389 | 1,298 | 1,982 | 2,105 | ||||||||
| Net Profit | CZK mil | 454 | 1,125 | 1,082 | 1,544 | 1,316 | ||||||||
| balance sheet | ||||||||||||||
| Interbank Loans | CZK mil | 136 | 384 | 2,229 | 1,978 | 2,378 | ||||||||
| Customer Loans | CZK mil | 33,020 | 38,760 | 45,860 | 55,571 | 58,777 | ||||||||
| Investments | CZK mil | 23,923 | 20,267 | 20,019 | 18,748 | 26,964 | ||||||||
| Total Assets | CZK mil | 87,444 | 99,293 | 113,029 | 119,673 | 137,369 | ||||||||
| Shareholders' Equity | CZK mil | 5,501 | 6,743 | 7,869 | 9,908 | 10,723 | ||||||||
| Interbank Borrowing | CZK mil | 0 | 0 | 93.9 | 53.1 | 40.4 | ||||||||
| Customer Deposits | CZK mil | 78,892 | 89,524 | 102,108 | 107,067 | 123,618 | ||||||||
| Issued Debt Securities | CZK mil | 1,362 | 1,360 | 1,357 | 202 | 255 | ||||||||
| ratios | ||||||||||||||
| ROE | % | ... | 8.56 | 18.4 | 14.8 | 17.4 | 12.8 | |||||||
| ROA | % | ... | 0.551 | 1.20 | 1.02 | 1.33 | 1.02 | |||||||
| Costs (As % Of Assets) | % | ... | 1.72 | 1.66 | 1.52 | 1.47 | 1.36 | |||||||
| Costs (As % Of Income) | % | 56.5 | 52.7 | 55.5 | 46.2 | 45.3 | ||||||||
| Capital Adequacy Ratio | % | ... | ... | 14.3 | 13.5 | 16.8 | 15.4 | 15.8 | ||||||
| Net Interest Margin | % | ... | 2.51 | 2.66 | 2.61 | 3.04 | 2.87 | |||||||
| Interest Income (As % Of Revenues) | % | 82.5 | 84.5 | 95.2 | 95.9 | 95.9 | ||||||||
| Fee Income (As % Of Revenues) | % | 10.4 | 6.43 | 7.41 | 4.15 | 4.24 | ||||||||
| Staff Cost (As % Of Total Cost) | % | 34.8 | 34.9 | 38.1 | 37.2 | 36.3 | ||||||||
| Equity (As % Of Assets) | % | 6.29 | 6.79 | 6.96 | 8.28 | 7.81 | ||||||||
| Loans (As % Of Deposits) | % | ... | 41.9 | 43.3 | 44.9 | 51.9 | 47.5 | |||||||
| Loans (As % Assets) | % | 37.8 | 39.0 | 40.6 | 46.4 | 42.8 | ||||||||
| NPLs (As % Of Loans) | % | ... | ... | 4.17 | 2.98 | 2.29 | 1.69 | 3.19 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | 127 | 113 | 125 | 124 | 112 | ||||||
| valuation | ||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| income statement | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||
| Interest Income | CZK mil | 2,581 | 2,948 | 3,333 | 4,199 | 4,138 | ||||||||
| Interest Cost | CZK mil | 510 | 466 | 560 | 664 | 447 | ||||||||
| Net Interest Income | CZK mil | 2,071 | 2,482 | 2,773 | 3,535 | 3,691 | ||||||||
| Net Fee Income | CZK mil | 261 | 189 | 216 | 153 | 163 | ||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 512 | 573 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 359 | 410 | ||
| Other Income | CZK mil | 177 | 267 | -75.0 | -1.00 | -6.00 | ||||||||
| Insurance Premium Earned | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Revenues | CZK mil | 2,509 | 2,938 | 2,914 | 3,687 | 3,848 | ||||||||
| Staff Cost | CZK mil | 494 | 540 | 616 | 634 | 633 | ||||||||
| Depreciation | CZK mil | 228 | 267 | 305 | 421 | 456 | ||||||||
| Other Cost | CZK mil | 696 | 742 | 695 | 650 | 654 | ||||||||
| Operating Cost | CZK mil | 1,418 | 1,549 | 1,616 | 1,705 | 1,743 | ||||||||
| Operating Profit | CZK mil | 1,091 | 1,389 | 1,298 | 1,982 | 2,105 | ||||||||
| Provisions | CZK mil | 531 | -100 | -144 | 54.0 | 462 | ||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Pre-Tax Profit | CZK mil | 560 | 1,489 | 1,442 | 1,928 | 1,643 | ||||||||
| Tax | CZK mil | 106 | 364 | 360 | 384 | 327 | ||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Net Profit | CZK mil | 454 | 1,125 | 1,082 | 1,544 | 1,316 | ||||||||
| Net Profit Avail. to Common | CZK mil | 454 | ... | ... | ... | ... | ... | ... | ||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ... | |
| growth rates | ||||||||||||||
| Net Interest Income Growth | % | ... | -7.00 | 19.8 | 11.7 | 27.5 | 4.41 | |||||||
| Net Fee Income Growth | % | ... | -30.0 | -27.6 | 14.3 | -29.2 | 6.54 | |||||||
| Total Revenue Growth | % | ... | 0.885 | 17.1 | -0.817 | 26.5 | 4.37 | |||||||
| Operating Cost Growth | % | ... | 4.42 | 9.24 | 4.33 | 5.51 | 2.23 | |||||||
| Operating Profit Growth | % | ... | -3.37 | 27.3 | -6.55 | 52.7 | 6.21 | |||||||
| Pre-Tax Profit Growth | % | ... | 81.2 | 166 | -3.16 | 33.7 | -14.8 | |||||||
| Net Profit Growth | % | ... | 69.4 | 148 | -3.82 | 42.7 | -14.8 | |||||||
| market share | ||||||||||||||
| Market Share in Revenues | % | 1.39 | 1.64 | 1.53 | 1.82 | 2.13 | ||||||||
| Market Share in Net Profit | % | 0.614 | 1.49 | 1.33 | 1.69 | 2.77 | ||||||||
| Market Share in Employees | % | ... | 1.70 | 1.83 | 1.79 | 1.92 | 1.92 | |||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Branches | % | ... | ... | 1.66 | 1.80 | 1.79 | 1.84 | 2.02 |
| balance sheet | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | ||||||||||||||
| Cash & Cash Equivalents | CZK mil | 26,447 | 36,014 | 42,141 | 39,796 | 45,556 | ||||||||
| Interbank Loans | CZK mil | 136 | 384 | 2,229 | 1,978 | 2,378 | ||||||||
| Customer Loans | CZK mil | 33,020 | 38,760 | 45,860 | 55,571 | 58,777 | ||||||||
| Retail Loans | CZK mil | 29,119 | 31,104 | 37,844 | 44,630 | 51,873 | ||||||||
| Mortgage Loans | CZK mil | 1,843 | 3,018 | 4,904 | 5,731 | 7,331 | ||||||||
| Consumer Loans | CZK mil | 27,276 | 28,086 | 32,940 | 38,899 | 44,542 | ||||||||
| Corporate Loans | CZK mil | 5,750 | 9,001 | 9,353 | 12,290 | 9,460 | ||||||||
| Investments | CZK mil | 23,923 | 20,267 | 20,019 | 18,748 | 26,964 | ||||||||
| Property and Equipment | CZK mil | 298 | 353 | 291 | 717 | 630 | ||||||||
| Intangible Assets | CZK mil | ... | ... | 1,194 | 1,274 | 1,321 | 1,346 | 1,585 | ||||||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Assets | CZK mil | 87,444 | 99,293 | 113,029 | 119,673 | 137,369 | ||||||||
| Shareholders' Equity | CZK mil | 5,501 | 6,743 | 7,869 | 9,908 | 10,723 | ||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Liabilities | CZK mil | 81,943 | 92,550 | 105,160 | 109,765 | 126,646 | ||||||||
| Interbank Borrowing | CZK mil | 0 | 0 | 93.9 | 53.1 | 40.4 | ||||||||
| Customer Deposits | CZK mil | 78,892 | 89,524 | 102,108 | 107,067 | 123,618 | ||||||||
| Retail Deposits | CZK mil | 78,892 | 89,524 | 102,108 | 107,067 | 123,618 | ||||||||
| Corporate Deposits | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 29,067 | 35,414 | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 78,000 | 88,204 | ||
| Issued Debt Securities | CZK mil | 1,362 | 1,360 | 1,357 | 202 | 255 | ||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 202 | 255 | ||
| Other Liabilities | CZK mil | 1,689 | 1,666 | 1,601 | 2,443 | 2,732 | ||||||||
| asset quality | ||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 1,454 | 1,199 | 1,080 | 961 | 1,958 | ||||||
| Gross Loans | CZK mil | ... | ... | 34,869 | 40,226 | 47,213 | 56,920 | 61,333 | ||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | 42,898 | 54,783 | 47,776 | 55,459 | 59,652 | |||||
| Total Provisions | CZK mil | ... | ... | 1,849 | 1,356 | 1,353 | 1,195 | 2,186 | ||||||
| growth rates | ||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 22.3 | 17.4 | 18.3 | 21.2 | 5.77 | |||||
| Retail Loan Growth | % | ... | ... | ... | 13.0 | 6.82 | 21.7 | 17.9 | 16.2 | |||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | 228 | 63.8 | 62.5 | 16.9 | 27.9 | ||
| Consumer Loan Growth | % | ... | ... | ... | 8.18 | 2.97 | 17.3 | 18.1 | 14.5 | |||||
| Corporate Loan Growth | % | ... | ... | ... | 364 | 56.5 | 3.91 | 31.4 | -23.0 | |||||
| Total Asset Growth | % | ... | 13.2 | 13.6 | 13.8 | 5.88 | 14.8 | |||||||
| Shareholders' Equity Growth | % | ... | 7.84 | 22.6 | 16.7 | 25.9 | 8.23 | |||||||
| Customer Deposit Growth | % | ... | ... | 13.7 | 13.5 | 14.1 | 4.86 | 15.5 | ||||||
| Retail Deposit Growth | % | ... | ... | 13.7 | 13.5 | 14.1 | 4.86 | 15.5 | ||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| market share | ||||||||||||||
| Market Share in Customer Loans | % | 1.12 | 1.26 | 1.39 | 1.61 | 1.63 | ||||||||
| Market Share in Corporate Loans | % | 0.589 | 0.881 | 0.866 | 1.10 | 0.842 | ||||||||
| Market Share in Retail Loans | % | 2.05 | 2.04 | 2.30 | 2.56 | 2.79 | ||||||||
| Market Share in Consumer Loans | % | 7.44 | 7.36 | 8.24 | 9.37 | 10.5 | ||||||||
| Market Share in Mortgage Loans | % | 0.175 | 0.263 | 0.394 | 0.431 | 0.511 | ||||||||
| Market Share in Total Assets | % | 1.47 | 1.42 | 1.55 | 1.58 | 1.72 | ||||||||
| Market Share in Customer Deposits | % | 2.09 | 2.15 | 2.30 | 2.26 | 2.39 | ||||||||
| Market Share in Retail Deposits | % | 3.57 | 3.78 | 3.99 | 3.93 | 4.04 | ||||||||
| Market Share in Corporate Deposits | % | 0 | 0 | 0 | 0 | 0 |
| ratios | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | 8.56 | 18.4 | 14.8 | 17.4 | 12.8 | |||||||
| ROTE | % | ... | ... | ... | 10.9 | 23.0 | 18.0 | 20.4 | 14.9 | |||||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | 7.83 | 15.4 | 14.1 | 19.9 | 15.2 | ||||
| ROA | % | ... | 0.551 | 1.20 | 1.02 | 1.33 | 1.02 | |||||||
| Return on Loans | % | ... | ... | 1.51 | 3.13 | 2.56 | 3.04 | 2.30 | ||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | 2.82 | 2.84 | 2.53 | 3.84 | 3.66 | ||||
| Costs (As % Of Assets) | % | ... | 1.72 | 1.66 | 1.52 | 1.47 | 1.36 | |||||||
| Costs (As % Of Income) | % | 56.5 | 52.7 | 55.5 | 46.2 | 45.3 | ||||||||
| Costs (As % Of Loans) | % | ... | ... | 4.72 | 4.32 | 3.82 | 3.36 | 3.05 | ||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.36 | 1.29 | 1.17 | 1.10 | 1.01 | |||||||
| Capital Adequacy Ratio | % | ... | ... | 14.3 | 13.5 | 16.8 | 15.4 | 15.8 | ||||||
| Tier 1 Ratio | % | ... | ... | ... | 10.9 | 10.5 | 14.0 | 15.0 | 15.4 | |||||
| Net Interest Margin | % | ... | 2.51 | 2.66 | 2.61 | 3.04 | 2.87 | |||||||
| Interest Spread | % | ... | 2.47 | 2.62 | 2.57 | 2.99 | 2.84 | |||||||
| Asset Yield | % | ... | 3.13 | 3.16 | 3.14 | 3.61 | 3.22 | |||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | 6.49 | 6.02 | 5.68 | 7.14 | 6.69 | ||||
| Cost Of Liabilities | % | ... | 0.662 | 0.534 | 0.566 | 0.618 | 0.378 | |||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ... | |
| Interest Income (As % Of Revenues) | % | 82.5 | 84.5 | 95.2 | 95.9 | 95.9 | ||||||||
| Fee Income (As % Of Revenues) | % | 10.4 | 6.43 | 7.41 | 4.15 | 4.24 | ||||||||
| Other Income (As % Of Revenues) | % | 7.05 | 9.09 | -2.57 | -0.027 | -0.156 | ||||||||
| Staff Cost (As % Of Total Cost) | % | 34.8 | 34.9 | 38.1 | 37.2 | 36.3 | ||||||||
| Equity (As % Of Assets) | % | 6.29 | 6.79 | 6.96 | 8.28 | 7.81 | ||||||||
| Equity (As % Of Loans) | % | ... | ... | 16.7 | 17.4 | 17.2 | 17.8 | 18.2 | ||||||
| Loans (As % Of Deposits) | % | ... | 41.9 | 43.3 | 44.9 | 51.9 | 47.5 | |||||||
| Loans (As % Assets) | % | 37.8 | 39.0 | 40.6 | 46.4 | 42.8 | ||||||||
| NPLs (As % Of Loans) | % | ... | ... | 4.17 | 2.98 | 2.29 | 1.69 | 3.19 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | 127 | 113 | 125 | 124 | 112 | ||||||
| Provisions (As % Of Loans) | % | ... | ... | 5.60 | 3.50 | 2.95 | 2.15 | 3.72 | ||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | 1.77 | -0.279 | -0.340 | 0.106 | 0.808 |
| other data | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Branches | ... | ... | 34.0 | 35.0 | 35.0 | 35.0 | 34.0 | |||||||
| ATMs | ... | ... | 152 | 321 | 365 | 373 | 373 | |||||||
| ATMs (As % of Bank Branches) | % | ... | ... | 447 | 917 | 1,043 | 1,066 | 1,097 | ||||||
| Employees | ... | 697 | 767 | 750 | 798 | 782 | ||||||||
| Employees Per Bank Branch | ... | ... | 20.5 | 21.9 | 21.4 | 22.8 | 23.0 | |||||||
| Cost Per Employee | USD per month | ... | 2,341 | 2,500 | 3,128 | 2,937 | 3,066 | |||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | 59,063 | 58,670 | 68,444 | 66,207 | 67,455 | |||||||
| Employee Turnover | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Women (As % of Workforce) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Women (As % of Management) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenues From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Profit From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenues From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Profit From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Insurance Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Insurance Fee Income (As % of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| customer breakdown | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Customers | mil | ... | 0.515 | 0.597 | 0.673 | 0.788 | 0.862 | |||||||
| Number of Accounts | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | 0.625 | 0.722 | 0.860 | 0.940 | ||
| Payment Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Debit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Credit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | 0.003 | 0.004 | 0.004 | 0.005 | ||
| Number of Consumer Loans | mil | ... | ... | ... | ... | ... | ... | ... | 0.124 | 0.130 | 0.143 | 0.146 | ||
| Average Size of Deposit | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | 1,152,834 | 1,280,363 | 1,322,030 | 1,426,542 | ||
| Average Size of Consumer Loan | CZK | ... | ... | ... | ... | ... | ... | ... | 226,491 | 253,040 | 271,455 | 305,185 | ||
| Accounts (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | 105 | 107 | 109 | 109 | ||
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | 0.439 | 0.569 | 0.550 | 0.596 | ||
| Consumer Loans (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | 20.8 | 19.3 | 18.2 | 16.9 | ||
| Payments Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Debit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Credit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenue per Customer (Local Currency) | CZK | ... | 4,872 | 4,921 | 4,330 | 4,679 | 4,464 | |||||||
| Net Profit per Customer (Local Currency) | CZK | ... | 882 | 1,884 | 1,608 | 1,959 | 1,527 | |||||||
| Loan per Customer (Local Currency) | CZK | ... | 64,117 | 64,925 | 68,143 | 70,522 | 68,187 | |||||||
| Deposit per Customer (Local Currency) | CZK | ... | 153,188 | 149,956 | 151,721 | 135,872 | 143,409 | |||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenue per Customer | USD | ... | 193 | 210 | 198 | 208 | 203 | |||||||
| Net Profit per Customer | USD | ... | 34.9 | 80.3 | 73.5 | 86.9 | 69.4 | |||||||
| Loan per Customer | USD | ... | 2,501 | 3,049 | 3,033 | 3,118 | 3,188 | |||||||
| Deposit per Customer | USD | ... | 5,975 | 7,043 | 6,753 | 6,006 | 6,705 |
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By Helgi Library - August 30, 2023
Air Bank's customer loans reached CZK 83,345 mil in 2023-03-31, up 2.39% compared to the previous year. Czech banking sector provided customer loans of CZK 4,117 bil in 2023-03-31, up 1.11% when compared to the last year. Air Bank accounted for 2.02% of a...
By Helgi Library - August 30, 2023
Air Bank's retail loans reached CZK 79,000 mil in the first quarter of 2023, up 2.55% compared to the previous year. Czech banking sector provided retail loans of CZK 2,156 bil in 1Q2023, up 0.701% when compared to the last year. Air Bank accounted for 3....
By Helgi Library - August 30, 2023
Air Bank generated total banking revenues of CZK 1,397 mil in 2023-03-31, down 12.2% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 55,788 mil in 2023-03-31, down 5.72% when compared to the last year...
By Helgi Library - August 30, 2023
Air Bank's customer deposits reached CZK 131,208 mil in 2023-03-31, down 0% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,625 bil in 2023-03-31, up 13.1% when compared to the last year. Air Bank accounted for 1.98...
By Helgi Library - August 30, 2023
Air Bank employed 991 persons in 2023-06-30, down 0.230% when compared to the previous year. Historically, the bank's workforce hit an all time high of 993 persons in 2023-03-31 and an all time low of 414 in 2012-12-31. Average cost reached USD 3,818 per month pe...
By Helgi Library - August 30, 2023
Air Bank's capital adequacy ratio reached 17.7% at the end of second quarter of 2023, up from 16.9% 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. T...
By Helgi Library - August 30, 2023
Air Bank's retail deposits reached CZK 131,208 mil in 2023-03-31, down 0% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,447 bil in 2023-03-31, up 1.48% when compared to the last year. Air Bank accounted for 3.81% of...
By Helgi Library - August 30, 2023
Air Bank's non-performing loans reached 1.19% of total loans at the end of 2023-06-30, up from 0.885% 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 - August 30, 2023
Air Bank's consumer loans reached CZK 63,000 mil in 2023-03-31, up 2.13% compared to the previous year. Czech banking sector provided consumer loans of CZK 473 bil in 2023-03-31, up 0.815% when compared to the last year. Air Bank accounted for 13.3% of al...
By Helgi Library - August 30, 2023
Air Bank's net interest margin amounted to 2.93% in the second quarter of 2023, up from 2.84% 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% ...
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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