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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	343.03	299.21	275.89	231.38	175.1	170.96
Interest Paid on Deposits	71.56	56.34	36.68	23.41	23.68	26.51
Net Interest Income	271.48	242.87	239.21	207.97	151.41	144.44
Net Interest Income Growth	9.65%	1.53%	15.03%	37.35%	4.83%	13.18%
Income From Trading Activities	13.95	14.22	14.55	12.8	10.47	8.05
Gain (Loss) on Sale of Assets	1.06	0.81	2.44	0.83	-1.65	0.01
Gain (Loss) on Sale of Investments	1.46	1.42	2.27	2.89	-0.15	0.01
Other Non-Interest Income	64.97	40.73	58.29	64.64	81.57	69.92
Total Non-Interest Income	81.45	57.19	77.55	81.16	90.23	77.99
Non-Interest Income Growth	10.41%	-26.26%	-4.45%	-10.05%	15.69%	23.39%
Revenues Before Loan Losses	352.92	300.06	316.77	289.13	241.65	222.44
Provision for Loan Losses	94.52	86.34	102.42	73.87	71.68	64.26
Revenue	258.4	213.72	214.35	215.26	169.96	158.18
Revenue Growth	10.81%	-0.29%	-0.42%	26.65%	7.45%	12.68%
Selling, General & Administrative	151.32	139.66	128.08	121.83	111.36	98.23
Other Non-Interest Expense	30.99	10.44	5.82	2.24	9.9	11.89
Total Non-Interest Expense	182.3	150.1	133.9	124.07	121.26	110.12
EBT Excluding Unusual Items	76.1	63.62	80.45	91.19	48.7	48.06
Asset Writedown	46.71	45.45	3.09	-	7.55	15.51
Legal Settlements	-0.32	-0.32	0.32	-0.3	0.04	0.26
Pretax Income	122.48	108.75	83.86	90.89	56.29	63.84
Income Tax Expense	13.08	11.98	9.38	9.96	6.21	6.86
Earnings From Continuing Operations	109.4	96.77	74.47	80.93	50.09	56.97
Minority Interest in Earnings	-0.21	-0.5	-0.25	-0.36	-0.38	-0.42
Net Income	109.2	96.28	74.22	80.56	49.71	56.55
Net Income to Common	109.2	96.28	74.22	80.56	49.71	56.55
Net Income Growth	-1.39%	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)	0.73	0.65	0.50	0.54	0.33	0.38
EPS (Diluted)	0.73	0.65	0.50	0.54	0.33	0.38
EPS Growth	-1.39%	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	10.68%	11.02%	11.19%	10.96%	11.02%	10.75%

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

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