First Investment Bank AD (BUL:FIB)

First Investment Bank AD Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	165.01	144.79	157.57	97.24	110.6
Depreciation & Amortization	25.01	46.17	9.93	9.82	44.46
Other Amortization	-	5.15	4.37	3.14	2.83
Gain (Loss) on Sale of Assets	-1.51	-18.26	-7.71	0.56	5.82
Gain (Loss) on Sale of Investments	-	-0.02	0	-0.01	0.19
Total Asset Writedown	81.62	-6.02	-	-14.77	-30.34
Provision for Credit Losses	-	199.1	145.28	140.42	124.96
Change in Trading Asset Securities	108.99	-1,111	-620.49	522.6	-275
Change in Other Net Operating Assets	-1,303	-1,177	-1,108	-374.66	-571.5
Other Operating Activities	-2.77	65.46	85.2	73.62	-8.6
Operating Cash Flow	-926.23	-1,852	-1,334	457.95	-596.59
Capital Expenditures	-38.9	-216.94	-29.49	-42	-14.44
Sale of Property, Plant and Equipment	0.07	0.06	0.23	0.03	0.04
Investment in Securities	123.13	558.66	578.11	-1,702	-116.36
Other Investing Activities	22.55	60.64	39.36	46.13	14.4
Investing Cash Flow	106.85	402.42	588.21	-1,698	-116.37
Long-Term Debt Issued	546.23	281.27	322.51	4.08	69.6
Long-Term Debt Repaid	-	-	-	-47.4	-
Net Debt Issued (Repaid)	546.23	281.27	322.51	-43.33	69.6
Net Increase (Decrease) in Deposit Accounts	1,297	1,648	856.16	1,493	458.23
Financing Cash Flow	1,843	1,929	1,179	1,449	527.83
Net Cash Flow	1,023	480.21	432.69	209.14	-185.13
Free Cash Flow	-965.13	-2,068	-1,364	415.95	-611.02
Free Cash Flow Margin	-264.23%	-494.66%	-323.89%	125.10%	-197.53%
Free Cash Flow Per Share	-6.47	-13.87	-9.15	2.79	-4.10
Cash Interest Paid	-	67.72	42.39	60.2	72.73
Cash Income Tax Paid	-	15.51	18.99	8.33	5.04

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