First Investment Bank AD (BUL:FIB)

First Investment Bank AD Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	359.29	365.32	332.93	264.33	262	189.1
Investment Securities	3,300	3,372	2,732	2,654	1,454	1,069
Trading Asset Securities	174.2	213.7	249.3	272.75	269.78	272.04
Total Investments	3,475	3,586	2,981	2,927	1,724	1,341
Gross Loans	10,266	9,131	8,200	7,348	7,182	6,909
Allowance for Loan Losses	-415.08	-356.71	-386.33	-400.49	-479.77	-524.31
Net Loans	9,851	8,774	7,814	6,947	6,703	6,385
Property, Plant & Equipment	399.73	391.14	283.81	280.01	172.37	231.11
Goodwill	0.43	0.43	0.43	0.43	0.54	0.54
Other Intangible Assets	28.78	26.36	24.89	16.18	15.03	15.9
Investments in Real Estate	858.65	766.23	756.77	750.32	732.85	414.02
Other Receivables	339.08	226.1	204.36	256.83	209.06	288.86
Restricted Cash	2,028	2,223	1,925	1,522	1,500	1,656
Other Current Assets	5.74	4.67	3.33	2.68	2.82	2.66
Long-Term Deferred Tax Assets	-	-	3.47	3.95	-	-
Other Real Estate Owned & Foreclosed	348.61	373.41	414.37	423.59	459.85	713.62
Other Long-Term Assets	54.14	101.81	105.98	93.14	100.81	86.62
Total Assets	17,784	16,856	14,864	13,499	11,897	11,335
Accrued Expenses	1.62	1.52	1.59	1.35	1.41	1.88
Interest Bearing Deposits	5,696	5,589	5,438	5,117	5,420	5,817
Non-Interest Bearing Deposits	8,527	8,385	6,887	6,351	4,562	3,728
Total Deposits	14,223	13,974	12,325	11,468	9,982	9,545
Short-Term Borrowings	0.69	7.65	7.68	7.76	16.52	0.41
Current Portion of Long-Term Debt	-	85.4	30.65	3.47	-	-
Current Portion of Leases	-	18.14	33.7	34.15	-	32.05
Current Income Taxes Payable	2.49	1.96	2.39	0.65	1.71	0.01
Other Current Liabilities	-	0.94	2.23	4.58	3.39	6.78
Long-Term Debt	1,528	915.3	686.26	388.88	432.61	374.08
Long-Term Leases	78.8	62.19	138.04	137.07	92.41	122.44
Long-Term Deferred Tax Liabilities	36	29.19	27.6	27.82	26.93	21.64
Other Long-Term Liabilities	32.33	29.07	35.97	25.57	20.05	14.7
Total Liabilities	15,903	15,125	13,291	12,099	10,577	10,119
Common Stock	149.09	149.09	149.09	149.09	149.09	149.09
Additional Paid-In Capital	250.02	250.02	250.02	250.02	250.02	250.02
Retained Earnings	39.87	39.87	39.87	39.87	39.87	39.87
Comprehensive Income & Other	1,441	1,285	1,129	955.63	876.55	773.94
Total Common Equity	1,880	1,724	1,568	1,395	1,316	1,213
Minority Interest	1.39	6.1	5.6	5.03	4.33	3.52
Shareholders' Equity	1,881	1,730	1,573	1,400	1,320	1,216
Total Liabilities & Equity	17,784	16,856	14,864	13,499	11,897	11,335
Total Debt	1,607	1,089	896.34	571.33	541.54	528.97
Net Cash (Debt)	-989.97	-376.3	-226.17	63.33	28.97	-33.74
Net Cash Growth	-	-	-	118.64%	-	-
Net Cash Per Share	-6.64	-2.52	-1.52	0.42	0.19	-0.27
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	12.61	11.56	10.52	9.35	8.82	8.14
Tangible Book Value	1,850	1,697	1,542	1,378	1,300	1,196
Tangible Book Value Per Share	12.41	11.38	10.35	9.24	8.72	8.03

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.