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	524.66	538.22	452.55	342.54	334.31
Interest Paid on Deposits	88.26	71.56	45.79	46.33	51.85
Net Interest Income	436.4	466.67	406.76	296.21	282.47
Net Interest Income Growth (YoY)	-6.49%	14.73%	37.32%	4.87%	13.13%
Income From Trading Activities	25.65	28.39	25.05	20.47	15.74
Gain (Loss) on Sale of Assets	-	4.76	1.62	-3.22	0.02
Gain (Loss) on Sale of Investments	-	4.43	5.65	-0.3	0.03
Other Non-Interest Income	74.5	113.71	126.43	159.57	136.74
Total Non-Interest Income	100.15	151.29	158.75	176.52	152.52
Non-Interest Income Growth (YoY)	-33.80%	-4.70%	-10.07%	15.73%	23.34%
Revenues Before Loan Losses	536.55	617.96	565.51	472.73	434.99
Provision for Loan Losses	171.29	199.8	144.48	140.23	125.66
Revenue	365.27	418.16	421.03	332.5	309.32
Revenue Growth (YoY)	-12.65%	-0.68%	26.63%	7.49%	12.63%
Selling, General & Administrative	250.08	249.87	238.28	217.85	192.08
Other Non-Interest Expense	-69.21	11.35	4.39	19.37	23.26
Total Non-Interest Expense	180.86	261.22	242.67	237.22	215.34
EBT Excluding Unusual Items	184.4	156.94	178.36	95.28	93.98
Asset Writedown	-	6.02	-	14.77	30.34
Legal Settlements	-	0.63	-0.6	0.08	0.51
Pretax Income	184.4	163.59	177.76	110.13	124.83
Income Tax Expense	19.4	18.31	19.48	12.14	13.42
Earnings From Continuing Operations	165.01	145.28	158.29	97.99	111.41
Minority Interest in Earnings	-	-0.49	-0.71	-0.75	-0.81
Net Income	165.01	144.79	157.57	97.24	110.6
Net Income to Common	165.01	144.79	157.57	97.24	110.6
Net Income Growth	13.96%	-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)	1.11	0.97	1.06	0.65	0.74
EPS (Diluted)	1.11	0.97	1.06	0.65	0.74
EPS Growth	13.96%	-8.11%	62.04%	-12.07%	108.39%
Effective Tax Rate	10.52%	11.19%	10.96%	11.02%	10.75%

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