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Air Bank

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Air Bank

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. In June 2014, two and a half years since its start, Air Bank had more than 500 employees, 24 branches in major Czech cities, and more than 260,000 customers, and it managed deposits in excess of CZK 50 bil. The Bank is owned by the PPF Group (86.6%) and Emma Omega (13.4%).

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Annual Quarterly

summary

Unit

2010

2011

2012

2013

2014

2015

2016

2017

income statement

Net Interest Income	CZK mil
Total Revenues	CZK mil
Operating Profit	CZK mil
Net Profit	CZK mil

1.63	506	1,731	3,053	2,227
-3.61	874	2,311	3,435	2,487
-347	45.0	1,226	2,236	1,129
-282	-340	-80.0	313	268

balance sheet

Interbank Loans	CZK mil
Customer Loans	CZK mil
Debt Securities	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Issued Debt Securities	CZK mil

0.000	822	1,930	2,363	35.0
0.000	13,428	23,332	25,095	27,010
76.1	18,276	22,260	26,239	29,608
3,352	36,573	52,166	63,009	77,249
980	2,579	3,954	4,705	5,101
0.000	1,580	3,094	952	0.000
2,234	30,696	43,777	54,670	69,387
0.000	0.000	0.000	1,043	1,043

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

	-45.7%	-19.1%	-2.45%	7.23%	5.47%
	-15.3%	-1.70%	-0.180%	0.544%	0.382%
	18.6%	4.15%	2.45%	2.08%	1.94%
	-9,524%	94.9%	46.9%	34.9%	54.6%
...	...	11.9%	13.4%	14.3%	16.0%
	0.089%	2.53%	3.90%	5.30%	3.18%
	-45.3%	57.9%	74.9%	88.9%	89.5%
	213%	11.2%	17.1%	12.8%	15.0%
	47.7%	34.6%	32.2%	32.0%	32.8%
	29.2%	7.05%	7.58%	7.47%	6.60%
...	0.000%	43.7%	53.3%	45.9%	38.9%
	0.000%	36.7%	44.7%	39.8%	35.0%
...	...	7.99%	5.03%	5.55%	4.67%
...	...	121%	143%	142%	139%

Download Data

income statement

Unit

2010

2011

2012

2013

2014

2015

2016

2017

income statement

Interest Income	CZK mil
Interest Cost	CZK mil
Net Interest Income	CZK mil
Net Fee Income	CZK mil
Other Income	CZK mil
Total Revenues	CZK mil
Staff Cost	CZK mil
Depreciation	CZK mil
Other Cost	CZK mil
Operating Cost	CZK mil
Operating Profit	CZK mil
Provisions	CZK mil
Extra and Other Cost	CZK mil
Pre-Tax Profit	CZK mil
Tax	CZK mil
Minorities	CZK mil
Net Profit	CZK mil

4.98	1,022	2,678	3,666	2,894
3.34	516	947	613	667
1.63	506	1,731	3,053	2,227
-7.69	98.0	395	441	373
2.46	270	185	-59.0	-113
-3.61	874	2,311	3,435	2,487
164	287	349	384	445
11.8	68.0	120	151	182
168	474	616	664	731
343	829	1,085	1,199	1,358
-347	45.0	1,226	2,236	1,129
0.000	456	1,289	1,811	820
0.000	0.000	0.000	0.000	0.000
-347	-411	-63.0	425	309
65.0	-71.0	17.0	112	41.0
0.000	0.000	0.000	0.000	0.000
-282	-340	-80.0	313	268

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	-58.9%	30,886%	242%	76.4%	-27.1%
...	3,093%	-1,374%	303%	11.6%	-15.4%
...	-195%	-24,344%	164%	48.6%	-27.6%
...	576%	141%	30.9%	10.5%	13.3%
...	638%	-113%	2,624%	82.4%	-49.5%
...	636%	18.5%	-84.7%	-775%	-27.3%
...	637%	20.6%	-76.5%	-491%	-14.4%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Branches	%

	-0.002%	0.523%	1.37%	2.05%	1.43%
...	...	...	...	0.496%	0.404%
...	0.705%	1.03%	1.26%	1.45%	1.54%
...	...	0.858%	1.08%	1.13%	1.43%

Download Data

balance sheet

Unit

2010

2011

2012

2013

2014

2015

2016

2017

balance sheet

Cash	CZK mil
Interbank Loans	CZK mil
Customer Loans	CZK mil
Retail Loans	CZK mil
Mortgage Loans	CZK mil
Consumer Loans	CZK mil
Corporate Loans	CZK mil
Debt Securities	CZK mil
Fixed Assets	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Of Which Minority Interest	CZK mil
Liabilities	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Retail Deposits	CZK mil
Corporate Deposits	CZK mil
Issued Debt Securities	CZK mil
Other Liabilities	CZK mil

	2,683	3,148	3,561	6,302	17,712
	0.000	822	1,930	2,363	35.0
	0.000	13,428	23,332	25,095	27,010
...	...	13,381	22,807	24,584	25,771
...	...	0.000	0.000	0.000	558
...	...	13,381	22,807	24,584	25,213
...	...	47.0	525	511	1,239
	76.1	18,276	22,260	26,239	29,608
	468	899	1,083	1,245	1,405
	3,352	36,573	52,166	63,009	77,249
	980	2,579	3,954	4,705	5,101
	0.000	0.000	0.000	0.000	0.000
	2,372	33,994	48,212	58,304	72,148
	0.000	1,580	3,094	952	0.000
	2,234	30,696	43,777	54,670	69,387
	2,234	30,696	43,777	54,670	69,387
	0.000	0.000	0.000	0.000	0.000
	0.000	0.000	0.000	1,043	1,043
	138	1,718	1,341	1,639	1,718

asset quality

Non-Performing Loans	CZK mil
Gross Loans	CZK mil
Total Provisions	CZK mil

...	...	1,187	1,264	1,513	1,350
...	...	14,864	25,141	27,241	28,891
...	...	1,436	1,809	2,146	1,881

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%

...	...	...	73.8%	7.56%	7.63%
...	...	...	70.4%	7.79%	4.83%
...	...	...	...	...	...
...	...	...	70.4%	7.79%	2.56%
...	...	...	1,017%	-2.67%	142%
...	912%	991%	42.6%	20.8%	22.6%
...	286%	163%	53.3%	19.0%	8.42%
...	...	1,274%	42.6%	24.9%	26.9%
...	...	1,274%	42.6%	24.9%	26.9%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

	0.000%	0.597%	0.937%	0.964%	0.971%
...	...	0.006%	0.061%	0.058%	0.135%
...	...	4.15%	6.94%	7.49%	7.21%
...	...	1.18%	1.93%	2.00%	1.95%
...	...	0.000%	0.000%	0.000%	0.057%
	0.075%	0.789%	1.01%	1.19%	1.39%
	0.083%	1.09%	1.43%	1.59%	1.97%
	0.131%	1.73%	2.42%	2.84%	3.41%
	0.000%	0.000%	0.000%	0.000%	0.000%

Download Data

ratios

Unit

2010

2011

2012

2013

2014

2015

2016

2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	CZK per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

	-45.7%	-19.1%	-2.45%	7.23%	5.47%
	-15.3%	-1.70%	-0.180%	0.544%	0.382%
	18.6%	4.15%	2.45%	2.08%	1.94%
	-9,524%	94.9%	46.9%	34.9%	54.6%
...	...	11.9%	13.4%	14.3%	16.0%
...	...	...	13.4%	10.5%	12.6%
	0.089%	2.53%	3.90%	5.30%	3.18%
...	-0.003%	2.28%	3.73%	5.21%	3.10%
	0.270%	5.12%	6.04%	6.37%	4.13%
...	0.273%	2.84%	2.30%	1.15%	1.02%
	-45.3%	57.9%	74.9%	88.9%	89.5%
	213%	11.2%	17.1%	12.8%	15.0%
	-68.1%	30.9%	8.01%	-1.72%	-4.54%
...	2,778	2,957	2,980	2,568	2,447
...	49,138	57,835	58,296	54,889	58,399
	47.7%	34.6%	32.2%	32.0%	32.8%
	29.2%	7.05%	7.58%	7.47%	6.60%
...	0.000%	43.7%	53.3%	45.9%	38.9%
	0.000%	36.7%	44.7%	39.8%	35.0%
...	...	7.99%	5.03%	5.55%	4.67%
...	...	121%	143%	142%	139%
...	...	10.7%	7.75%	8.55%	6.96%
...	...	6.79%	7.01%	7.48%	3.15%

Download Data

other data

Unit

2010

2011

2012

2013

2014

2015

2016

2017

other data

Branches
Employees
ATMs
Clients	mil

...	...	18.0	23.0	24.0	31.0
...	278	414	499	583	635
...	...	38.0	48.0	52.0	72.0
...	0.007	0.088	0.214	0.318	0.424

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Comparison of 22 Banks in Czech Republic

January 24, 2019

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 24 Banks in Czech Republic

January 24, 2019

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

The file contains data of following banks:

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

Air Bank in Quarterly Numbers

November 15, 2018

This Quarterly statistical dossier offers a summary of Air Bank's performance between Sep 11 and Sep 18 on an quarterly basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

This Quarterly statistical dossier offers a summary of Air Bank's performance between Sep 11 and Sep 18 on an quarterly basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Air Bank's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Air Bank in Numbers

September 23, 2018

This Annual statistical dossier offers a summary of Air Bank's performance between 2010 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios,

This Annual statistical dossier offers a summary of Air Bank's performance between 2010 and 2017 on an annual basis. The report can be downloaded as an excel file.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Czech Banking - Analysis of 3Q2014

January 11, 2015

This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In addition, you will find here financials and market share of the 20 banks we cover in the Czech Republic including all key ratios describing their business. The report includes 446 charts and 40 tables.

The key points are:

Czech commercial banks announced a net profit of CZK 14,387 mil in the third quarter of the year, up 3.5% compared to the same period last year. In the first nine months of the year, however, the banks' profit dropped 0.8% yoy to CZK 50,258 mil. This implies an annualised ROE of 11.6% for the last 12 months.
Loans grew 0.6% qoq (or 5.2% yoy) in the third quarter. Mortgages still drive the volume growth (creating 90% of the loan growth in the 3rd quarter and 57% ytd) while corporate loans and consumer lending stagnate.
The weak momentum is especially disappointing as the economy picks up. Banks are overcapitalized (CAR at 18%) and have plenty of cheap deposits to play with (with loans accounting for 76% of deposits only).
In addition, asset quality remains of little concern. Non-performing loans account for 6.2% of total loans while half of them are covered by loan provisions.
The trio of the largest banks (Sporitelna, CSOB and Komercni Banka) created 70% of the quarterly profit and 66% of loan growth in the third quarter of the year. Despite losing market share in revenue or overall assets, their market dominance continues. On the other hand, small players finally seem to be challenging the "boring" status quo.

You might also find all banks' financials in the Company section at www.helgilibrary.com/companies, and key charts for each bank at www.helgilibrary.com/charts.

The report is free to download, just register at our webpage.

Air Bank - Analysis of 3Q2014 Performance

January 10, 2015

This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.

The key highlights are:

Air Bank shows the best profit ever...

Air Bank reported a net profit of CZK 78.4 mil. in 3Q14 compared

This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.

The key highlights are:

Air Bank shows the best profit ever...

Air Bank reported a net profit of CZK 78.4 mil. in 3Q14 compared to a net loss of CZK 51.1 mil. a year ago. This is the best-ever quarterly result in the short history of the bank:

...thanks to aggressive volume growth...

The profit is driven mainly by strong interest income growth on the back of the massive loan and deposit expansion the bank achieved in the last 18 months.

In 2012, in the first full year of the bank's operations, Air Bank attracted CZK 28 bil. of deposits. A further CZK 13 bil. was added in 2013 and the bank has attracted an additional CZK 8.5 bil. so far this year (until September). The bank built up a deposit market share of approximately 1.5% within just three years!

A similar development has been achieved on the lending side. Despite starting a year later than the deposit side, Air Bank has built a 1.0% market share - selling CZK 26 bil. worth of retail loans by the end of September.

Although the overall momentum has been (and must have been) slowing down in the recent quarters, the overall growth still remains impressive.

...and monetizing its client base

With a 1-1.5% market share and over 300,000 clients now, the bank seems to have started a re-pricing process. Since the middle of 2013, the net interest margin started climbing fast. From less than 1.5% in June 2013, the margin jumped to more than 3% at the end of September 2014.

As seen on the following chart describing average yield and cost of funding, both lending as well as deposit margins contributed to the overall improvement.

Still a long way to go

Despite the very impressive progress, there is still a long way to go. Air Bank's annualized ROE reached 7% in 3Q2014, still well below the market average.

Given the re-pricing process (making new loans and deposits less attractive) and slowing momentum, additional improvement will be harder to reach in the coming quarters.

Let's see what's left in PPF's hat to surprise the market with...

You will find more details about the bank at www.helgilibrary.com/companies

Air Bank at a Glance

June 28, 2014

This report offers a summary of the bank's performance in 2010-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in the Czech Republic

Air Bank in Numbers

June 21, 2014

This excel file offers a summary of the bank's performance in 2010-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

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What Banks in Czechia Were the Most Profitable in 3Q2018?

January 29, 2019

Based on a comparison of 15 banks in the Czech Republic, Komercni Banka produced the highest net profit in the 3Q2018, followed by CSOB and Ceska Sporitelna.

Komercni Banka made a net profit of CZK 4,204 mil, up 12.0% when compared

Based on a comparison of 15 banks in the Czech Republic, Komercni Banka produced the highest net profit in the 3Q2018, followed by CSOB and Ceska Sporitelna.

Komercni Banka made a net profit of CZK 4,204 mil, up 12.0% when compared to the previous quarter and up 19.2% when compared to the same period of last year. Historically, the bank’s net profit reached an all time high of CZK 4,204 mil in 3Q2018 and an all time low of CZK -1,274 mil in 3Q2000. The average profit in the last five years amounted to CZK 3,434 mil.

The bank generated its shareholders an average return on equity of 13.4% in the last five years with maximum at 17.3% and minimum at 10.6%.

When compared to the nearest peers, CSOB generated a net profit of CZK 4,007 mil with ROE of 18.7% in 3Q2018, Ceska Sporitelna netted CZK 3,976 mil (ROE of 13.7%) and UniCredit Czech Republic announced a net profit of CZK 2,367 mil implying ROE of 13.8%.

You can see all the banks net profit data at Net Profit indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Generated the Most Revenues in 3Q2018?

January 29, 2019

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Ceska Sporitelna generated the largest revenues, followed by CSOB and Komercni Banka.

Ceska Sporitelna reported total revenues of CZK 10,094 mil, up 10.2%

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Ceska Sporitelna generated the largest revenues, followed by CSOB and Komercni Banka.

Ceska Sporitelna reported total revenues of CZK 10,094 mil, up 10.2% when compared to the previous quarter and up 8.79% when compared to the same period of last year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of CZK 12,013 mil in 2Q2009 and an all time low of CZK 4,937 mil in 1Q2001. The average revenue in the last five years amounted to CZK 9,773 mil.

Bank's total revenues accounted for 2.89% of total assets in 3Q2018, up from 2.81% a year earlier.

When compared to the nearest peers, CSOB generated total revenues of CZK 9,333 mil, or 2.42% of assets in 3Q2018, Komercni Banka operated with CZK 8,335 mil total income, or 2.93% revenue margin and UniCredit Czech Republic produced total income worth CZK 4,855 mil, or 2.31% of assets.

You can see all the banks revenues data at Total Revenues indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Most Cost Efficient in 3Q2018?

January 29, 2019

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Hypotecni Banka was the most cost efficient bank, followed by Stavebni Sporitelna Ceske Sporitelny and Fio banka.

Hypotecni Banka's cost to income ratio reached 23.1% in 3Q2018,

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Hypotecni Banka was the most cost efficient bank, followed by Stavebni Sporitelna Ceske Sporitelny and Fio banka.

Hypotecni Banka's cost to income ratio reached 23.1% in 3Q2018, down from 23.8% when compared to the previous quarter and up from 19.6% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 77.0% in 4Q2002 and an all time low of -93.3% in 4Q2000.

When compared to total assets, bank's cost amounted to 1.39% in 3Q2018, down from 0.311% a year earlier.

When compared to the nearest peers, Stavebni Sporitelna Ceske Sporitelny operated in 3Q2018 with a cost to income ratio of 24.7%, Fio banka reached 28.5% and UniCredit Czech Republic some 33.6%.

You can see all the banks cost efficiency data at Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Largest Deposit Takers in 3Q2018?

January 29, 2019

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Ceska Sporitelna was the largest deposit taker, followed by CSOB and Komercni Banka.

Ceska Sporitelna's customer deposits reached CZK 938,109 mil, up 2.16%

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Ceska Sporitelna was the largest deposit taker, followed by CSOB and Komercni Banka.

Ceska Sporitelna's customer deposits reached CZK 938,109 mil, up 2.16% when compared to the previous quarter and up 6.71% when compared to the same period of last year. Historically, the bank’s net profit reached an all time high of CZK 938,109 mil in 3Q2018 and an all time low of CZK 317,358 mil in 4Q1999.

When compared to the nearest peers, CSOB's deposits amounted to CZK 897,878 mil at the end of 3Q2018, Komercni Banka operated with CZK 850,904 mil of customer deposits and UniCredit Czech Republic had clients' deposits of CZK 368,010 mil at the end of 3Q2018.

You can see all the banks customers deposits data at Customer Deposits indicator page or you can download a report on the Czech banks in the report section.

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Air Bank's net profit fell 0.889% to CZK 539 mil in 3Q2018

Air Bank's capital adequacy ratio rose 6.11% to 16.8% in 3Q2018

Air Bank's net interest income rose 17.0% to CZK 730 mil in 3Q2018

Air Bank's net interest margin rose 12.4% to 2.66% in 3Q2018

Air Bank's costs (as % of assets) fell 6.09% to 1.34% in 3Q2018

Air Bank's mortgage loans rose 64.4% to CZK 3,029 mil in 2017

Air Bank's net profit rose 148% to CZK 1,125 mil in 2017

Air Bank's employees rose 10.0% to 767 in 2017