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Air Bank's retail loans rose 186% yoy to CZK 51,873 mil in 4Q2020

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...

Air Bank's corporate loans fell 71.4% yoy to CZK 9,460 mil in 4Q2020

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 ...

Air Bank's capital adequacy ratio rose 18.4% yoy to 18.1% in 2Q2021

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

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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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Air Bank's total revenues rose 4.36% yoy to CZK 954 mil in 3Q2020

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. ...

Air Bank's customer deposits rose 15.5% yoy to CZK 123,618 mil in 4Q2020

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...

Air Bank's customer loans rose 14.8% yoy to CZK 58,777 mil in 4Q2020

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...

Air Bank's employees rose 1.54% yoy to 789 in 2Q2021

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...

Air Bank's retail deposits rose 15.5% yoy to CZK 123,618 mil in 4Q2020

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...

Air Bank's net profit fell 40.6% yoy to CZK 274 mil in 2Q2021

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 ...

Air Bank's net profit fell 40.6% yoy to CZK 274 mil in 2Q2021

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...

Air Bank's npls (as % of loans) rose 34.1% yoy to 0.826% in 2Q2021

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...

Air Bank's net interest margin rose 47.5% yoy to 2.58% in 2Q2021

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% ...

Air Bank's retail loan growth remain unchanged yoy at % in 2Q2021

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...

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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

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Finance

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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NAN% in the last five years with net profit growing -100% a year on average. In terms of operating efficiency, its cost to income ratio reached in 2025, compared to

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NAN% average in the last five years.

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.