First Investment Bank - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Bulgaria | September 02, 2018
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Excel Sheet

First Investment Bank's non-performing loans reached 17.6% of total loans at the end of 2017, down from 19.3% compared to the previous year. Historically, the NPL ratio hit an all time high of 23.9% in 2015 and an all time low of 0.139% in 2007.

Provision coverage amounted to 59.3% at the end of 2017, down from 73.6% compared to a year earlier.

The bank created loan loss provisions worth of 1.54% of average loans in 2017. That's compared to 3.39% of loans the bank put aside to its cost on average in the last five years.

Comparing First Investment Bank with its closest peers, DSK Bank operated at the end of 2017 with NPL ratio of 11.2% and provision coverage of 92.3%, United Bulgarian Bank with 23.6% and 67.0% respectively and Raiffeisenbank Bulgaria had 4.33% of bad loans covered with 89.0% by provisions at the end of 2017.

You can see all the bank’s data at First Investment Bank Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit 2010 2011 2012 2013 2014 2015 2016 2017
Central Cooperative Bank % 3.08% 2.72% 2.32% 2.02% 10.3%
Corporate Commercial Bank % 0.354% 0.560% 1.28% ... ... ... ...
D Commerce Bank % ... ... 1.74% 4.23% 5.30% 6.63%
DSK Bank % 17.3% 21.1% 21.5% 15.5% 15.1%
Eurobank Bulgaria % 9.60% 8.59% 9.74% 11.9% 10.4%
First Investment Bank % 3.18% 9.65% 7.66% 6.52% 23.9%
Piraeus Bank Bulgaria % 13.7% 24.3% 28.1% 35.3% 33.3%
Raiffeisenbank Bulgaria % 8.18% 8.28% 8.40% 5.93% 11.0%
Societe Generale Expressbank % 5.86% 6.72% 13.0% 10.7% 10.9%
UniCredit Bulbank % 12.4% 13.0% 15.8% 13.3% 13.2%
United Bulgarian Bank % 14.4% 17.1% 19.4% 20.5% ...
AVERAGE % 6.57% 8.81% 10.3% 11.9% 12.7% 15.0% 15.3% 11.7%