First Investment Bank AD (BUL:FIB)

First Investment Bank AD Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	367.52	299.21	275.89	231.38	175.1	170.96
Interest Paid on Deposits	80.57	56.34	36.68	23.41	23.68	26.51
Net Interest Income	286.95	242.87	239.21	207.97	151.41	144.44
Net Interest Income Growth	17.71%	1.53%	15.03%	37.35%	4.83%	13.18%
Income From Trading Activities	12.34	14.22	14.55	12.8	10.47	8.05
Gain (Loss) on Sale of Assets	0.12	0.81	2.44	0.83	-1.65	0.01
Gain (Loss) on Sale of Investments	1.47	1.42	2.27	2.89	-0.15	0.01
Other Non-Interest Income	81.77	40.73	58.29	64.64	81.57	69.92
Total Non-Interest Income	95.7	57.19	77.55	81.16	90.23	77.99
Non-Interest Income Growth	42.20%	-26.26%	-4.45%	-10.05%	15.69%	23.39%
Revenues Before Loan Losses	382.65	300.06	316.77	289.13	241.65	222.44
Provision for Loan Losses	103.22	86.34	102.42	73.87	71.68	64.26
Revenue	279.43	213.72	214.35	215.26	169.96	158.18
Revenue Growth	25.77%	-0.29%	-0.42%	26.65%	7.45%	12.68%
Selling, General & Administrative	155.02	139.66	128.08	121.83	111.36	98.23
Other Non-Interest Expense	12.23	10.44	5.82	2.24	9.9	11.89
Total Non-Interest Expense	167.25	150.1	133.9	124.07	121.26	110.12
EBT Excluding Unusual Items	112.17	63.62	80.45	91.19	48.7	48.06
Asset Writedown	18.16	45.45	3.09	-	7.55	15.51
Legal Settlements	-0.33	-0.32	0.32	-0.3	0.04	0.26
Pretax Income	130.01	108.75	83.86	90.89	56.29	63.84
Income Tax Expense	13.91	11.98	9.38	9.96	6.21	6.86
Earnings From Continuing Operations	116.1	96.77	74.47	80.93	50.09	56.97
Minority Interest in Earnings	0.01	-0.5	-0.25	-0.36	-0.38	-0.42
Net Income	116.11	96.28	74.22	80.56	49.71	56.55
Net Income to Common	116.11	96.28	74.22	80.56	49.71	56.55
Net Income Growth	10.70%	29.72%	-7.87%	62.08%	-12.11%	146.01%
Basic Shares Outstanding	149	149	149	149	149	149
Diluted Shares Outstanding	149	149	149	149	149	149
Shares Change	-	-	-	-	-	18.00%
EPS (Basic)	0.78	0.65	0.50	0.54	0.33	0.38
EPS (Diluted)	0.78	0.65	0.50	0.54	0.33	0.38
EPS Growth	10.70%	29.72%	-7.87%	62.08%	-12.11%	108.48%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	10.70%	11.02%	11.19%	10.96%	11.02%	10.75%

Data Source: S&P Global Market Intelligence Last updated: Sep 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:

Nov 12, 2026

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