First Investment Bank AD (BUL:FIB)

First Investment Bank AD Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	215.89	290.1	187.27	170.22	135.12	133.98
Investment Securities	2,906	1,901	1,729	1,397	1,357	743.54
Trading Asset Securities	49.53	49.49	109.54	127.46	139.42	137.96
Total Investments	2,955	1,950	1,838	1,524	1,496	881.5
Gross Loans	5,556	5,298	4,681	4,193	3,756	3,673
Allowance for Loan Losses	-221.59	-202.28	-182.85	-197.52	-204.72	-245.34
Net Loans	5,335	5,096	4,498	3,995	3,551	3,428
Property, Plant & Equipment	200.37	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	19.32	15.68	13.51	12.72	8.27	7.68
Investments in Real Estate	465.15	457.52	392.77	386.92	383.54	374.76
Other Receivables	136.91	268.42	115.9	104.48	131.28	106.91
Restricted Cash	892.92	1,310	1,140	984.21	777.85	766.93
Other Current Assets	4.44	14.08	11.07	1.7	1.37	1.44
Long-Term Deferred Tax Assets	-	-	-	1.77	2.02	-
Other Real Estate Owned & Foreclosed	167.02	168.34	191.41	211.85	216.52	235.15
Other Long-Term Assets	27.92	25.9	52.19	54.18	47.61	51.55
Total Assets	10,438	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	0.8	0.77	0.78	0.81	0.69	0.72
Interest Bearing Deposits	3,048	2,989	2,865	2,780	2,616	2,772
Non-Interest Bearing Deposits	4,704	4,945	4,298	3,521	3,246	2,333
Total Deposits	7,752	7,934	7,163	6,301	5,862	5,105
Short-Term Borrowings	421.38	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	0.57	0.25	1.01	1.22	0.33	0.88
Other Current Liabilities	-	-	0.48	1.14	2.34	1.73
Long-Term Debt	1,131	799.74	512.96	350.87	198.79	221.22
Long-Term Leases	39.04	39.59	41.18	70.58	70.06	47.25
Long-Term Deferred Tax Liabilities	20.37	19.64	14.96	14.11	14.22	13.77
Other Long-Term Liabilities	22.51	17.3	14.9	18.39	13.07	10.25
Total Liabilities	9,387	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	826.66	752.58	658.74	577.13	488.49	448.24
Total Common Equity	1,051	977.13	883.76	801.57	712.88	672.71
Minority Interest	-	-	3.12	2.86	2.57	2.21
Shareholders' Equity	1,051	977.13	886.88	804.43	715.45	674.93
Total Liabilities & Equity	10,438	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	1,592	852.08	558.06	458.27	292.05	276.93
Net Cash (Debt)	-1,219	-269.05	-192.89	-115.63	32.37	14.81
Net Cash Growth	-	-	-	-	118.56%	-
Net Cash Per Share	-8.17	-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	7.05	6.55	5.93	5.38	4.78	4.51
Tangible Book Value	1,031	961.23	870.02	788.62	704.39	664.75
Tangible Book Value Per Share	6.92	6.45	5.84	5.29	4.72	4.46

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 21, 2026

Data Sources Report a data error