By Helgi Analytics - September 26, 2021
Air Bank's retail loans reached CZK 51,873 mil in the fourth quarter of 2020, up 165% compared to the previous year. Czech bank...
By Helgi Analytics - September 26, 2021
Air Bank's loans reached CZK 61,333 mil in the fourth quarter of 2020, up from CZK 52,197 mil when compared to the previous ...
By Helgi Analytics - September 26, 2021
Air Bank's capital adequacy ratio reached 18.1% at the end of second quarter of 2021, up from 17.8% when compared to the previous...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | CZK mil | 2,773 | 3,535 | 3,691 |
| Net Fee Income | CZK mil | 216 | 153 | 163 |
| Other Income | CZK mil | -75.0 | -1.00 | -6.00 |
| Total Revenues | CZK mil | 2,914 | 3,687 | 3,848 |
| Staff Cost | CZK mil | 616 | 634 | 633 |
| Operating Profit | CZK mil | 1,298 | 1,982 | 2,105 |
| Provisions | CZK mil | -144 | 54.0 | 462 |
| Net Profit | CZK mil | 1,082 | 1,544 | 1,316 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | CZK mil | 2,229 | 1,978 | 2,378 |
| Customer Loans | CZK mil | 45,860 | 55,571 | 58,777 |
| Investments | CZK mil | 20,019 | 18,748 | 26,964 |
| Total Assets | CZK mil | 113,029 | 119,673 | 137,369 |
| Shareholders' Equity | CZK mil | 7,869 | 9,908 | 10,723 |
| Interbank Borrowing | CZK mil | 93.9 | 53.1 | 40.4 |
| Customer Deposits | CZK mil | 102,108 | 107,067 | 123,618 |
| Issued Debt Securities | CZK mil | 1,357 | 202 | 255 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 14.8 | 17.4 | 12.8 |
| ROA | % | 1.02 | 1.33 | 1.02 |
| Costs (As % Of Assets) | % | 1.52 | 1.47 | 1.36 |
| Costs (As % Of Income) | % | 55.5 | 46.2 | 45.3 |
| Capital Adequacy Ratio | % | 16.8 | 15.4 | 15.8 |
| Net Interest Margin | % | 2.61 | 3.04 | 2.87 |
| Loans (As % Of Deposits) | % | 44.9 | 51.9 | 47.5 |
| NPLs (As % Of Loans) | % | 2.29 | 1.69 | 3.19 |
| Provisions (As % Of NPLs) | % | 125 | 124 | 112 |
| Growth Rates | 2018 | 2019 | 2020 | |
| Total Revenue Growth | % | -0.817 | 26.5 | 4.37 |
| Operating Cost Growth | % | 4.33 | 5.51 | 2.23 |
| Operating Profit Growth | % | -6.55 | 52.7 | 6.21 |
| Net Profit Growth | % | -3.82 | 42.7 | -14.8 |
| Customer Loan Growth | % | 18.3 | 21.2 | 5.77 |
| Total Asset Growth | % | 13.8 | 5.88 | 14.8 |
| Customer Deposit Growth | % | 14.1 | 4.86 | 15.5 |
| Shareholders' Equity Growth | % | 16.7 | 25.9 | 8.23 |
| Employees | 750 | 798 | 782 | |
Get all company financials in excel:
| summary | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| income statement | |||||||||||||||||
| Net Interest Income | CZK mil | 3,053 | 2,227 | 2,071 | 2,482 | 2,773 | ... | ... | ... | ... | ... | ||||||
| Total Revenues | CZK mil | 3,435 | 2,487 | 2,509 | 2,938 | 2,914 | ... | ... | ... | ... | ... | ||||||
| Operating Profit | CZK mil | 2,236 | 1,129 | 1,091 | 1,389 | 1,298 | ... | ... | ... | ... | ... | ||||||
| Net Profit | CZK mil | 313 | 268 | 454 | 1,125 | 1,082 | ... | ... | ... | ... | ... | ||||||
| balance sheet | |||||||||||||||||
| Interbank Loans | CZK mil | 2,363 | 35.0 | 136 | 384 | 2,229 | ... | ... | ... | ... | ... | ||||||
| Customer Loans | CZK mil | 25,095 | 27,010 | 33,020 | 38,760 | 45,860 | ... | ... | ... | ... | ... | ||||||
| Investments | CZK mil | 26,239 | 29,608 | 23,923 | 20,267 | 20,019 | ... | ... | ... | ... | ... | ||||||
| Total Assets | CZK mil | 63,009 | 77,249 | 87,444 | 99,293 | 113,029 | ... | ... | ... | ... | ... | ||||||
| Shareholders' Equity | CZK mil | 4,705 | 5,101 | 5,501 | 6,743 | 7,869 | ... | ... | ... | ... | ... | ||||||
| Interbank Borrowing | CZK mil | 952 | 0 | 0 | 0 | 93.9 | ... | ... | ... | ... | ... | ||||||
| Customer Deposits | CZK mil | 54,670 | 69,387 | 78,892 | 89,524 | 102,108 | ... | ... | ... | ... | ... | ||||||
| Issued Debt Securities | CZK mil | 1,043 | 1,043 | 1,362 | 1,360 | 1,357 | ... | ... | ... | ... | ... | ||||||
| ratios | |||||||||||||||||
| ROE | % | ... | 7.23 | 5.47 | 8.56 | 18.4 | 14.8 | ... | ... | ... | ... | ... | |||||
| ROA | % | ... | 0.544 | 0.382 | 0.551 | 1.20 | 1.02 | ... | ... | ... | ... | ... | |||||
| Costs (As % Of Assets) | % | ... | 2.08 | 1.94 | 1.72 | 1.66 | 1.52 | ... | ... | ... | ... | ... | |||||
| Costs (As % Of Income) | % | 34.9 | 54.6 | 56.5 | 52.7 | 55.5 | ... | ... | ... | ... | ... | ||||||
| Capital Adequacy Ratio | % | ... | ... | 14.3 | 16.0 | 14.3 | 13.5 | 16.8 | ... | ... | ... | ... | ... | ||||
| Net Interest Margin | % | ... | 5.30 | 3.18 | 2.51 | 2.66 | 2.61 | ... | ... | ... | ... | ... | |||||
| Interest Income (As % Of Revenues) | % | 88.9 | 89.5 | 82.5 | 84.5 | 95.2 | ... | ... | ... | ... | ... | ||||||
| Fee Income (As % Of Revenues) | % | 12.8 | 15.0 | 10.4 | 6.43 | 7.41 | ... | ... | ... | ... | ... | ||||||
| Staff Cost (As % Of Total Cost) | % | 32.0 | 32.8 | 34.8 | 34.9 | 38.1 | ... | ... | ... | ... | ... | ||||||
| Equity (As % Of Assets) | % | 7.47 | 6.60 | 6.29 | 6.79 | 6.96 | ... | ... | ... | ... | ... | ||||||
| Loans (As % Of Deposits) | % | ... | 45.9 | 38.9 | 41.9 | 43.3 | 44.9 | ... | ... | ... | ... | ... | |||||
| Loans (As % Assets) | % | 39.8 | 35.0 | 37.8 | 39.0 | 40.6 | ... | ... | ... | ... | ... | ||||||
| NPLs (As % Of Loans) | % | ... | ... | 5.55 | 4.67 | 4.17 | 2.98 | 2.29 | ... | ... | ... | ... | ... | ||||
| Provisions (As % Of NPLs) | % | ... | ... | 142 | 139 | 127 | 113 | 125 | ... | ... | ... | ... | ... |
| income statement | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| income statement | |||||||||||||||||
| Interest Income | CZK mil | 3,666 | 2,894 | 2,581 | 2,948 | 3,333 | ... | ... | ... | ... | ... | ||||||
| Interest Cost | CZK mil | 613 | 667 | 510 | 466 | 560 | ... | ... | ... | ... | ... | ||||||
| Net Interest Income | CZK mil | 3,053 | 2,227 | 2,071 | 2,482 | 2,773 | ... | ... | ... | ... | ... | ||||||
| Net Fee Income | CZK mil | 441 | 373 | 261 | 189 | 216 | ... | ... | ... | ... | ... | ||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Other Income | CZK mil | -59.0 | -113 | 177 | 267 | -75.0 | ... | ... | ... | ... | ... | ||||||
| Total Revenues | CZK mil | 3,435 | 2,487 | 2,509 | 2,938 | 2,914 | ... | ... | ... | ... | ... | ||||||
| Staff Cost | CZK mil | 384 | 445 | 494 | 540 | 616 | ... | ... | ... | ... | ... | ||||||
| Depreciation | CZK mil | 151 | 182 | 228 | 267 | 305 | ... | ... | ... | ... | ... | ||||||
| Other Cost | CZK mil | 664 | 731 | 696 | 742 | 695 | ... | ... | ... | ... | ... | ||||||
| Operating Cost | CZK mil | 1,199 | 1,358 | 1,418 | 1,549 | 1,616 | ... | ... | ... | ... | ... | ||||||
| Operating Profit | CZK mil | 2,236 | 1,129 | 1,091 | 1,389 | 1,298 | ... | ... | ... | ... | ... | ||||||
| Provisions | CZK mil | 1,811 | 820 | 531 | -100 | -144 | ... | ... | ... | ... | ... | ||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | ... | ... | ... | ... | ||||||
| Pre-Tax Profit | CZK mil | 425 | 309 | 560 | 1,489 | 1,442 | ... | ... | ... | ... | ... | ||||||
| Tax | CZK mil | 112 | 41.0 | 106 | 364 | 360 | ... | ... | ... | ... | ... | ||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | ... | ... | ... | ... | ||||||
| Net Profit | CZK mil | 313 | 268 | 454 | 1,125 | 1,082 | ... | ... | ... | ... | ... | ||||||
| Net Profit Avail. to Common | CZK mil | 313 | 268 | 454 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| growth rates | |||||||||||||||||
| Net Interest Income Growth | % | ... | 76.4 | -27.1 | -7.00 | 19.8 | 11.7 | ... | ... | ... | ... | ... | |||||
| Net Fee Income Growth | % | ... | 11.6 | -15.4 | -30.0 | -27.6 | 14.3 | ... | ... | ... | ... | ... | |||||
| Total Revenue Growth | % | ... | 48.6 | -27.6 | 0.885 | 17.1 | -0.817 | ... | ... | ... | ... | ... | |||||
| Operating Cost Growth | % | ... | 10.5 | 13.3 | 4.42 | 9.24 | 4.33 | ... | ... | ... | ... | ... | |||||
| Operating Profit Growth | % | ... | 82.4 | -49.5 | -3.37 | 27.3 | -6.55 | ... | ... | ... | ... | ... | |||||
| Pre-Tax Profit Growth | % | ... | -775 | -27.3 | 81.2 | 166 | -3.16 | ... | ... | ... | ... | ... | |||||
| Net Profit Growth | % | ... | -491 | -14.4 | 69.4 | 148 | -3.82 | ... | ... | ... | ... | ... | |||||
| market share | |||||||||||||||||
| Market Share in Revenues | % | 2.05 | 1.43 | 1.39 | 1.64 | 1.53 | ... | ... | ... | ... | ... | ... | ... | ||||
| Market Share in Net Profit | % | ... | ... | ... | ... | 0.496 | 0.404 | 0.617 | 1.49 | 1.33 | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Employees | % | ... | 1.44 | 1.54 | 1.70 | 1.83 | 1.79 | ... | ... | ... | ... | ... | ... | ... | |||
| Market Share in Branches | % | ... | ... | 1.08 | 1.43 | 1.66 | 1.80 | 1.79 | ... | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| balance sheet | |||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 6,302 | 17,712 | 26,447 | 36,014 | 42,141 | ... | ... | ... | ... | ... | ||||||
| Interbank Loans | CZK mil | 2,363 | 35.0 | 136 | 384 | 2,229 | ... | ... | ... | ... | ... | ||||||
| Customer Loans | CZK mil | 25,095 | 27,010 | 33,020 | 38,760 | 45,860 | ... | ... | ... | ... | ... | ||||||
| Retail Loans | CZK mil | 24,584 | 25,775 | 29,119 | 31,104 | 37,844 | ... | ... | ... | ... | ... | ||||||
| Mortgage Loans | CZK mil | 0 | 562 | 1,843 | 3,018 | 4,904 | ... | ... | ... | ... | ... | ||||||
| Consumer Loans | CZK mil | 24,584 | 25,213 | 27,276 | 28,086 | 32,940 | ... | ... | ... | ... | ... | ||||||
| Corporate Loans | CZK mil | 511 | 1,239 | 5,750 | 9,001 | 9,353 | ... | ... | ... | ... | ... | ||||||
| Investments | CZK mil | 26,239 | 29,608 | 23,923 | 20,267 | 20,019 | ... | ... | ... | ... | ... | ||||||
| Property and Equipment | CZK mil | 1,245 | 1,405 | 1,492 | 1,627 | 291 | ... | ... | ... | ... | ... | ||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 1,321 | ... | ... | ... | ... | ... | ||
| Total Assets | CZK mil | 63,009 | 77,249 | 87,444 | 99,293 | 113,029 | ... | ... | ... | ... | ... | ||||||
| Shareholders' Equity | CZK mil | 4,705 | 5,101 | 5,501 | 6,743 | 7,869 | ... | ... | ... | ... | ... | ||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | ... | ... | ... | ... | ||||||
| Liabilities | CZK mil | 58,304 | 72,148 | 81,943 | 92,550 | 105,160 | ... | ... | ... | ... | ... | ||||||
| Interbank Borrowing | CZK mil | 952 | 0 | 0 | 0 | 93.9 | ... | ... | ... | ... | ... | ||||||
| Customer Deposits | CZK mil | 54,670 | 69,387 | 78,892 | 89,524 | 102,108 | ... | ... | ... | ... | ... | ||||||
| Retail Deposits | CZK mil | 54,670 | 69,387 | 78,892 | 89,524 | 102,108 | ... | ... | ... | ... | ... | ||||||
| Corporate Deposits | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | ... | ... | ... | ... | ||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Issued Debt Securities | CZK mil | 1,043 | 1,043 | 1,362 | 1,360 | 1,357 | ... | ... | ... | ... | ... | ||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Other Liabilities | CZK mil | 1,639 | 1,718 | 1,689 | 1,666 | 1,601 | ... | ... | ... | ... | ... | ||||||
| asset quality | |||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 1,513 | 1,350 | 1,454 | 1,199 | 1,080 | ... | ... | ... | ... | ... | ||||
| Gross Loans | CZK mil | ... | ... | 27,241 | 28,891 | 34,869 | 40,226 | 47,213 | ... | ... | ... | ... | ... | ||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Provisions | CZK mil | ... | ... | 2,146 | 1,881 | 1,849 | 1,356 | 1,353 | ... | ... | ... | ... | ... | ||||
| growth rates | |||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 7.56 | 7.63 | 22.3 | 17.4 | 18.3 | ... | ... | ... | ... | ... | |||
| Retail Loan Growth | % | ... | ... | ... | 7.79 | 4.84 | 13.0 | 6.82 | 21.7 | ... | ... | ... | ... | ... | |||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | 228 | 63.8 | 62.5 | ... | ... | ... | ... | ... | ||
| Consumer Loan Growth | % | ... | ... | ... | 7.79 | 2.56 | 8.18 | 2.97 | 17.3 | ... | ... | ... | ... | ... | |||
| Corporate Loan Growth | % | ... | ... | ... | -2.67 | 142 | 364 | 56.5 | 3.91 | ... | ... | ... | ... | ... | |||
| Total Asset Growth | % | ... | 20.8 | 22.6 | 13.2 | 13.6 | 13.8 | ... | ... | ... | ... | ... | |||||
| Shareholders' Equity Growth | % | ... | 19.0 | 8.42 | 7.84 | 22.6 | 16.7 | ... | ... | ... | ... | ... | |||||
| Customer Deposit Growth | % | ... | ... | 24.9 | 26.9 | 13.7 | 13.5 | 14.1 | ... | ... | ... | ... | ... | ||||
| Retail Deposit Growth | % | ... | ... | 24.9 | 26.9 | 13.7 | 13.5 | 14.1 | ... | ... | ... | ... | ... | ||||
| market share | |||||||||||||||||
| Market Share in Customer Loans | % | 0.952 | 0.971 | 1.12 | 1.26 | 1.39 | ... | ... | ... | ... | ... | ||||||
| Market Share in Corporate Loans | % | 0.058 | 0.135 | 0.589 | 0.881 | 0.866 | ... | ... | ... | ... | ... | ||||||
| Market Share in Retail Loans | % | 7.44 | 7.17 | 7.44 | 7.36 | 8.24 | ... | ... | ... | ... | ... | ||||||
| Market Share in Consumer Loans | % | 2.00 | 1.95 | 2.05 | 2.03 | 2.30 | ... | ... | ... | ... | ... | ||||||
| Market Share in Mortgage Loans | % | 0 | 0.058 | 0.175 | 0.263 | 0.394 | ... | ... | ... | ... | ... | ||||||
| Market Share in Total Assets | % | 1.17 | 1.39 | 1.45 | 1.41 | 1.54 | ... | ... | ... | ... | ... | ||||||
| Market Share in Customer Deposits | % | 1.59 | 1.97 | 2.09 | 2.15 | 2.30 | ... | ... | ... | ... | ... | ||||||
| Market Share in Retail Deposits | % | 2.84 | 3.41 | 3.57 | 3.78 | 3.99 | ... | ... | ... | ... | ... | ||||||
| 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 | 2023 | 2024 | 2025 |
| ROE | % | ... | 7.23 | 5.47 | 8.56 | 18.4 | 14.8 | ... | ... | ... | ... | ... | |||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| ROA | % | ... | 0.544 | 0.382 | 0.551 | 1.20 | 1.02 | ... | ... | ... | ... | ... | |||||
| Return on Loans | % | ... | ... | 1.29 | 1.03 | 1.51 | 3.13 | 2.56 | ... | ... | ... | ... | ... | ||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Costs (As % Of Assets) | % | ... | 2.08 | 1.94 | 1.72 | 1.66 | 1.52 | ... | ... | ... | ... | ... | |||||
| Costs (As % Of Income) | % | 34.9 | 54.6 | 56.5 | 52.7 | 55.5 | ... | ... | ... | ... | ... | ||||||
| Costs (As % Of Loans) | % | ... | ... | 4.95 | 5.21 | 4.72 | 4.32 | 3.82 | ... | ... | ... | ... | ... | ||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.63 | 1.54 | 1.36 | 1.29 | 1.17 | ... | ... | ... | ... | ... | |||||
| Capital Adequacy Ratio | % | ... | ... | 14.3 | 16.0 | 14.3 | 13.5 | 16.8 | ... | ... | ... | ... | ... | ||||
| Tier 1 Ratio | % | ... | ... | ... | 10.5 | 12.6 | 10.9 | 10.5 | 14.0 | ... | ... | ... | ... | ... | |||
| Net Interest Margin | % | ... | 5.30 | 3.18 | 2.51 | 2.66 | 2.61 | ... | ... | ... | ... | ... | |||||
| Interest Spread | % | ... | 5.21 | 3.10 | 2.47 | 2.62 | 2.57 | ... | ... | ... | ... | ... | |||||
| Asset Yield | % | ... | 6.37 | 4.13 | 3.13 | 3.16 | 3.14 | ... | ... | ... | ... | ... | |||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Cost Of Liabilities | % | ... | 1.15 | 1.02 | 0.662 | 0.534 | 0.566 | ... | ... | ... | ... | ... | |||||
| Interest Income (As % Of Revenues) | % | 88.9 | 89.5 | 82.5 | 84.5 | 95.2 | ... | ... | ... | ... | ... | ||||||
| Fee Income (As % Of Revenues) | % | 12.8 | 15.0 | 10.4 | 6.43 | 7.41 | ... | ... | ... | ... | ... | ||||||
| Other Income (As % Of Revenues) | % | -1.72 | -4.54 | 7.05 | 9.09 | -2.57 | ... | ... | ... | ... | ... | ||||||
| Staff Cost (As % Of Total Cost) | % | 32.0 | 32.8 | 34.8 | 34.9 | 38.1 | ... | ... | ... | ... | ... | ||||||
| Equity (As % Of Assets) | % | 7.47 | 6.60 | 6.29 | 6.79 | 6.96 | ... | ... | ... | ... | ... | ||||||
| Equity (As % Of Loans) | % | ... | ... | 18.7 | 18.9 | 16.7 | 17.4 | 17.2 | ... | ... | ... | ... | ... | ||||
| Loans (As % Of Deposits) | % | ... | 45.9 | 38.9 | 41.9 | 43.3 | 44.9 | ... | ... | ... | ... | ... | |||||
| Loans (As % Assets) | % | 39.8 | 35.0 | 37.8 | 39.0 | 40.6 | ... | ... | ... | ... | ... | ||||||
| NPLs (As % Of Loans) | % | ... | ... | 5.55 | 4.67 | 4.17 | 2.98 | 2.29 | ... | ... | ... | ... | ... | ||||
| Provisions (As % Of NPLs) | % | ... | ... | 142 | 139 | 127 | 113 | 125 | ... | ... | ... | ... | ... | ||||
| Provisions (As % Of Loans) | % | ... | ... | 8.55 | 6.96 | 5.60 | 3.50 | 2.95 | ... | ... | ... | ... | ... | ||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | 7.48 | 3.15 | 1.77 | -0.279 | -0.340 | ... | ... | ... | ... | ... |
| other data | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Branches | ... | ... | 24.0 | 31.0 | 34.0 | 35.0 | 35.0 | ... | ... | ... | ... | ... | |||||
| ATMs | ... | ... | 52.0 | 72.0 | 152 | 321 | 365 | ... | ... | ... | ... | ... | |||||
| ATMs (As % of Bank Branches) | % | ... | ... | 217 | 232 | 447 | 917 | 1,043 | ... | ... | ... | ... | ... | ||||
| Employees | ... | 583 | 635 | 697 | 767 | 750 | ... | ... | ... | ... | ... | ||||||
| Employees Per Bank Branch | ... | ... | 24.3 | 20.5 | 20.5 | 21.9 | 21.4 | ... | ... | ... | ... | ... | |||||
| Cost Per Employee | USD per month | ... | 2,568 | 2,447 | 2,341 | 2,500 | 3,128 | ... | ... | ... | ... | ... | |||||
| Cost Per Employee (Local Currency) | CZK per month | ... | 54,889 | 58,399 | 59,063 | 58,670 | 68,444 | ... | ... | ... | ... | ... |
| customer breakdown | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Customers | mil | ... | 0.318 | 0.424 | 0.515 | 0.597 | 0.673 | ... | ... | ... | ... | ... | |||||
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | 0.625 | 0.722 | |||||||
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | 0.003 | 0.004 | |||||||
| Number of Consumer Loans | mil | ... | ... | ... | ... | ... | ... | ... | 0.124 | 0.130 | |||||||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | 1,152,830 | 1,280,360 | ... | ... | ... | ... | ... | ||
| Average Size of Consumer Loan | CZK | ... | ... | ... | ... | ... | ... | ... | 226,491 | 253,040 | ... | ... | ... | ... | ... | ||
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | 105 | 107 | ... | ... | ... | ... | ... | ||
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | 0.439 | 0.569 | ... | ... | ... | ... | ... | ||
| Consumer Loans (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | 20.8 | 19.3 | ... | ... | ... | ... | ... | ||
| Revenue per Customer (Local Currency) | CZK | ... | 10,802 | 5,866 | 4,872 | 4,921 | 4,330 | ... | ... | ... | ... | ... | |||||
| Net Profit per Customer (Local Currency) | CZK | ... | 984 | 632 | 882 | 1,884 | 1,608 | ... | ... | ... | ... | ... | |||||
| Loan per Customer (Local Currency) | CZK | ... | 78,915 | 63,703 | 64,117 | 64,925 | 68,143 | ... | ... | ... | ... | ... | |||||
| Deposit per Customer (Local Currency) | CZK | ... | 171,918 | 163,649 | 153,188 | 149,956 | 151,721 | ... | ... | ... | ... | ... | |||||
| Revenue per Customer | USD | ... | 505 | 246 | 193 | 210 | 198 | ... | ... | ... | ... | ... | |||||
| Net Profit per Customer | USD | ... | 46.1 | 26.5 | 34.9 | 80.3 | 73.5 | ... | ... | ... | ... | ... | |||||
| Loan per Customer | USD | ... | 3,444 | 2,566 | 2,501 | 3,049 | 3,033 | ... | ... | ... | ... | ... | |||||
| Deposit per Customer | USD | ... | 7,503 | 6,592 | 5,975 | 7,043 | 6,753 | ... | ... | ... | ... | ... |
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By Helgi Analytics - September 26, 2021
Air Bank generated total banking revenues of CZK 954 mil in 2020-09-30, up 19.1% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 41,746 mil in 2020-09-30, down 13.4% when compared to the last year. ...
By Helgi Analytics - September 26, 2021
Air Bank's customer deposits reached CZK 123,618 mil in 2020-12-31, up 4.43% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,162 bil in 2020-12-31, down 6.99% when compared to the last year. Air Bank accounted for 2...
By Helgi Analytics - September 26, 2021
Air Bank's customer loans reached CZK 58,777 mil in 2020-12-31, up 13.8% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020-12-31, down 0.651% when compared to the last year. Air Bank accounted for 1.63% o...
By Helgi Analytics - September 26, 2021
Air Bank employed 789 persons in 2021-06-30, up 1.02% when compared to the previous year. Historically, the bank's workforce hit an all time high of 789 persons in 2021-06-30 and an all time low of 414 in 2012-12-31. Average cost reached USD 3,283 per month per e...
By Helgi Analytics - September 26, 2021
Air Bank's retail deposits reached CZK 123,618 mil in 2020-12-31, up 4.43% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,057 bil in 2020-12-31, up 3.25% when compared to the last year. Air Bank accounted for 4.04% o...
By Helgi Analytics - September 26, 2021
Air Bank made a net profit of CZK 274 mil in the second quarter of 2021, down 40.6% when compared to the same period of last year. This implies a return on equity of 9.50%. Historically, the bank’s net profit reached an all time high of CZK 544 mil in 2Q2018 and ...
By Helgi Analytics - September 26, 2021
Air Bank made a net profit of CZK 274 mil under revenues of CZK 838 mil in the second quarter of 2021, down 40.6% and up 4.62% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK...
By Helgi Analytics - September 26, 2021
Air Bank's non-performing loans reached 0.826% of total loans at the end of 2021-06-30, up from 0.616% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.19% in 2020-12-31 and an all time low of 0.004% in 2013-03-31. Provis...
By Helgi Analytics - September 26, 2021
Air Bank's net interest margin amounted to 2.58% in the second quarter of 2021, up from 1.36% 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% ...
By Helgi Analytics - September 26, 2021
Air Bank's retail loans reached CZK 51,873 mil at the end of 2020-12-31, up 165% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 88.3% of the bank's loan book at the end o...
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 -100% and -100% a year on average in the last 5 years. Its loans and deposits have grown by -100% and -100% a year during that time and loans to deposits ratio reached at the end of 2025. The company achieved an average return on equity of
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Equity represented of total assets or of loans at the end of 2025. Air Bank's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2025.
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