First Investment Bank AD Income Statement

Financials in millions BGN. Fiscal year is January - December.

Millions BGN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	584.93	538.22	452.55	342.54	334.31
Interest Paid on Deposits	110.14	71.56	45.79	46.33	51.85
Net Interest Income	474.79	466.67	406.76	296.21	282.47
Net Interest Income Growth (YoY)	1.74%	14.73%	37.32%	4.87%	13.13%
Income From Trading Activities	27.8	28.39	25.05	20.47	15.74
Gain (Loss) on Sale of Assets	1.59	4.76	1.62	-3.22	0.02
Gain (Loss) on Sale of Investments	2.78	4.43	5.65	-0.3	0.03
Other Non-Interest Income	79.62	113.71	126.43	159.57	136.74
Total Non-Interest Income	111.8	151.29	158.75	176.52	152.52
Non-Interest Income Growth (YoY)	-26.10%	-4.70%	-10.07%	15.73%	23.34%
Revenues Before Loan Losses	586.59	617.96	565.51	472.73	434.99
Provision for Loan Losses	168.78	199.8	144.48	140.23	125.66
Revenue	417.8	418.16	421.03	332.5	309.32
Revenue Growth (YoY)	-0.09%	-0.68%	26.63%	7.49%	12.63%
Selling, General & Administrative	273.02	249.87	238.28	217.85	192.08
Other Non-Interest Expense	20.42	11.35	4.39	19.37	23.26
Total Non-Interest Expense	293.44	261.22	242.67	237.22	215.34
EBT Excluding Unusual Items	124.37	156.94	178.36	95.28	93.98
Asset Writedown	88.85	6.02	-	14.77	30.34
Legal Settlements	-0.62	0.63	-0.6	0.08	0.51
Pretax Income	212.6	163.59	177.76	110.13	124.83
Income Tax Expense	23.42	18.31	19.48	12.14	13.42
Earnings From Continuing Operations	189.18	145.28	158.29	97.99	111.41
Minority Interest in Earnings	-0.97	-0.49	-0.71	-0.75	-0.81
Net Income	188.22	144.79	157.57	97.24	110.6
Net Income to Common	188.22	144.79	157.57	97.24	110.6
Net Income Growth	29.99%	-8.11%	62.04%	-12.07%	145.91%
Basic Shares Outstanding	149	149	149	149	149
Diluted Shares Outstanding	149	149	149	149	149
Shares Change (YoY)	-	-	-	-	18.00%
EPS (Basic)	1.26	0.97	1.06	0.65	0.74
EPS (Diluted)	1.26	0.97	1.06	0.65	0.74
EPS Growth	29.99%	-8.11%	62.04%	-12.07%	108.39%
Effective Tax Rate	11.02%	11.19%	10.96%	11.02%	10.75%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.