First Investment Bank AD (BUL:FIB)
Bulgaria · Delayed Price · Currency is EUR 5.30
-0.10 (-1.85%)
At close: Nov 13, 2026
First Investment Bank AD Balance Sheet
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Cash & Equivalents | 209.66 | 290.1 | 187.27 | 170.22 | 135.12 | 133.98 |
Investment Securities | 3,211 | 1,901 | 1,729 | 1,397 | 1,357 | 743.54 |
Trading Asset Securities | 30.61 | 49.49 | 109.54 | 127.46 | 139.42 | 137.96 |
Total Investments | 3,242 | 1,950 | 1,838 | 1,524 | 1,496 | 881.5 |
Gross Loans | 5,701 | 5,298 | 4,681 | 4,193 | 3,756 | 3,673 |
Allowance for Loan Losses | -229.19 | -202.28 | -182.85 | -197.52 | -204.72 | -245.34 |
Net Loans | 5,472 | 5,096 | 4,498 | 3,995 | 3,551 | 3,428 |
Property, Plant & Equipment | 201.08 | 205.39 | 200.5 | 145.1 | 143.14 | 88.14 |
Goodwill | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.28 |
Other Intangible Assets | 20.1 | 15.68 | 13.51 | 12.72 | 8.27 | 7.68 |
Investments in Real Estate | 476.22 | 457.52 | 392.77 | 386.92 | 383.54 | 374.76 |
Other Receivables | 137.13 | 268.42 | 115.9 | 104.48 | 131.28 | 106.91 |
Restricted Cash | 647.5 | 1,310 | 1,140 | 984.21 | 777.85 | 766.93 |
Other Current Assets | 18.09 | 14.08 | 11.07 | 1.7 | 1.37 | 1.44 |
Long-Term Deferred Tax Assets | - | - | - | 1.77 | 2.02 | - |
Other Real Estate Owned & Foreclosed | 165.85 | 168.34 | 191.41 | 211.85 | 216.52 | 235.15 |
Other Long-Term Assets | 31.17 | 25.9 | 52.19 | 54.18 | 47.61 | 51.55 |
Total Assets | 10,621 | 9,802 | 8,640 | 7,600 | 6,900 | 6,084 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Accrued Expenses | 0.8 | 0.77 | 0.78 | 0.81 | 0.69 | 0.72 |
Interest Bearing Deposits | 3,184 | 2,989 | 2,865 | 2,780 | 2,616 | 2,772 |
Non-Interest Bearing Deposits | 5,014 | 4,945 | 4,298 | 3,521 | 3,246 | 2,333 |
Total Deposits | 8,198 | 7,934 | 7,163 | 6,301 | 5,862 | 5,105 |
Short-Term Borrowings | - | 12.75 | 3.92 | 3.93 | 3.97 | 8.45 |
Current Portion of Long-Term Debt | - | - | - | 15.67 | 1.77 | - |
Current Portion of Leases | - | - | - | 17.23 | 17.46 | - |
Current Income Taxes Payable | 0.34 | 0.25 | 1.01 | 1.22 | 0.33 | 0.88 |
Other Current Liabilities | - | - | 0.48 | 1.14 | 2.34 | 1.73 |
Long-Term Debt | 1,267 | 799.74 | 512.96 | 350.87 | 198.79 | 221.22 |
Long-Term Leases | - | 39.59 | 41.18 | 70.58 | 70.06 | 47.25 |
Long-Term Deferred Tax Liabilities | 20.75 | 19.64 | 14.96 | 14.11 | 14.22 | 13.77 |
Other Long-Term Liabilities | 21.53 | 17.3 | 14.9 | 18.39 | 13.07 | 10.25 |
Total Liabilities | 9,547 | 8,824 | 7,753 | 6,795 | 6,185 | 5,409 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Common Stock | 76.03 | 76.26 | 76.42 | 76.22 | 76.21 | 76.24 |
Additional Paid-In Capital | 127.83 | 127.89 | 128.16 | 127.83 | 127.8 | 127.85 |
Retained Earnings | 20.38 | 20.39 | 20.43 | 20.38 | 20.38 | 20.39 |
Comprehensive Income & Other | 849.82 | 752.58 | 658.74 | 577.13 | 488.49 | 448.24 |
Total Common Equity | 1,074 | 977.13 | 883.76 | 801.57 | 712.88 | 672.71 |
Minority Interest | - | - | 3.12 | 2.86 | 2.57 | 2.21 |
Shareholders' Equity | 1,074 | 977.13 | 886.88 | 804.43 | 715.45 | 674.93 |
Total Liabilities & Equity | 10,621 | 9,802 | 8,640 | 7,600 | 6,900 | 6,084 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Total Debt | 1,267 | 852.08 | 558.06 | 458.27 | 292.05 | 276.93 |
Net Cash (Debt) | -948.33 | -269.05 | -192.89 | -115.63 | 32.37 | 14.81 |
Net Cash Growth | - | - | - | - | 118.56% | - |
Net Cash Per Share | -6.36 | -1.80 | -1.29 | -0.78 | 0.22 | 0.10 |
Filing Date Shares Outstanding | 149.08 | 149.08 | 149.08 | 149.08 | 149.08 | 149.08 |
Total Common Shares Outstanding | 149.08 | 149.08 | 149.08 | 149.08 | 149.08 | 149.08 |
Book Value Per Share | 7.20 | 6.55 | 5.93 | 5.38 | 4.78 | 4.51 |
Tangible Book Value | 1,054 | 961.23 | 870.02 | 788.62 | 704.39 | 664.75 |
Tangible Book Value Per Share | 7.07 | 6.45 | 5.84 | 5.29 | 4.72 | 4.46 |