Air Bank is the fastest and largest growing neo-bank and one of the few in the world to have already achieved both significant size and profitability. It offers a full range of retail banking products through its digital channels.
In the first six months of this year alone, Air Bank supplied a greater volume of mortgage loans than for the whole of last year. It also recorded record-high sales in terms of loans. Likewise, the bank successfully acquired new customers, growing its client base to 894,659 in the first half of the year.
The first six months of 2021 were marked by the launch of brand-new innovative services, including a banking identity and the very first Czech-language, voice-controlled banking application. Air Bank significantly boosted its portfolio of services offered to investors. Clients who want to appreciate their savings can now use the My Air mobile application to sign up for the Zonky Rentier or Portu service – a modern robo-advisor platform for investing into ETFs.
Since the beginning of the year, Air Bank has earned various accolades, including a prize awarded in the Zlatá koruna (Golden Crown) financial contest. The jury awarded Air Bank for two novel services – a voice-controlled mobile application (first place) and the use of a QR code to log into Internet banking (third place). The My Air banking application placed first in the Best Online Application category, and Air Bank’s loan earned the award for the best bank loan product.
Selected indicators for Air Bank as at 30 June 2021:
|Number of clients
|Share of new online loan applications
|Mobile app (My Air) users
|Smart watch/mobile payment users
|Share of online transactions
Zonky is an exclusively online peer-to-peer lending platform that connects retail borrowers and investors. It offers digital onboarding and no paperwork, enabling ongoing growth of its customer base.
During the last six months, Zonky surpassed a milestone of 100,000 loans granted, March 2021 seeing the highest volume of funds loaned in the company's history. In addition, the first half of 2021 was the second six-month period in a row in which Benxy reported a profit-making performance.
The Zonky Loan was awarded the best non-bank loan by the jury in this year’s edition of the Zlatá koruna (Golden Crown) contest.
Selected indicators for Zonky as at 30 June 2021:
|Number of borrowers
|Number of investors
|Share of contracts processed online
Home Credit Czech Republic/Slovakia
Home Credit is the biggest and most trustworthy non-bank consumer finance company and offers point-of-sales financing, credit cards, consumer loans, car loans and micro credit. Last year, Home Credit CZ won third place in the Responsible Lending Index, which is compiled regularly by the People in Need NGO.
Home Credit’s business in the Czech Republic has grown in the segment of cash loans. Home Credit Slovakia recorded year-on-year growth mainly in the financing of used car purchases.
As in previous years, Home Credit’s and Air Bank’s loans up to 5,000 Czech crowns ranked in the top three places of the Responsible Microloan Lending Index regularly compiled by the nongovernmental organization People in Need.
Selected indicators for Home Credit as at 30 June 2021:
|Number of clients
|Number of monthly active HC app users