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First Investment Bank

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First Investment Bank

First Investment Bank AD Sofia (Parva investitsionna banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds,

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First Investment Bank AD Sofia (Parva investitsionna banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 221 branches and 650 ATMs and employed over 3,500 persons. First Investment Bank AD was founded in 1993 and is headquartered in Sofia, Bulgaria.

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summary Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

            162 154 182 292 264    
            246 240 442 526 530    
            75.3 70.7 259 335 349    
            35.9 30.5 185 30.8 17.8    

balance sheet

            100 45.9 120 112 109    
            4,182 4,540 6,021 5,810 5,221    
            738 853 622 564 680    
            6,174 7,050 8,778 8,828 8,885    
            470 505 693 727 750    
            1.78 2.58 5.30 1.39 4.71    
            5,388 6,190 7,536 7,602 7,204    
            305 341 526 473 382    

ratios

            7.94% 6.26% 30.9% 4.34% 2.41%    
            0.642% 0.461% 2.34% 0.350% 0.201%    
            3.05% 2.56% 2.32% 2.17% 2.04%    
            69.3% 70.5% 41.5% 36.3% 34.1%    
            12.6% 11.4% 13.3% 13.6% 14.7%    
            2.90% 2.33% 2.30% 3.32% 2.98%    
            66.0% 64.3% 41.1% 55.5% 49.7%    
            29.4% 31.0% 20.8% 16.6% 15.9%    
            30.4% 31.5% 32.6% 34.5% 33.4%    
            7.61% 7.17% 7.89% 8.23% 8.44%    
            77.6% 73.4% 79.9% 76.4% 72.5%    
            67.7% 64.4% 68.6% 65.8% 58.8%    
...           3.18% 9.65% 7.66% 6.52% 23.9%    
...           96.8% 37.2% 49.2% 127% 51.6%    

valuation

... ...         137 106 188 191 133    
...           110 110 110 110 110    
... ...         1.88 1.43 2.43 2.80 2.16    
...           0.326 0.277 1.68 0.280 0.162    
...           4.27 4.59 6.30 6.61 6.82    
... ...         5.77 5.16 1.45 10.0 13.3    
... ...         0.440 0.311 0.386 0.424 0.317    
... ...         28.3% -14.9% 506% -83.4% -42.1%    
... ...         8.50% 7.50% 37.1% 4.96% 3.16%    

Download Data
income statement Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income BGN mil
Interest Cost BGN mil
Net Interest Income BGN mil
Net Fee Income BGN mil
Other Income BGN mil
Total Revenues BGN mil
Staff Cost BGN mil
Depreciation BGN mil
Other Cost BGN mil
Operating Cost BGN mil
Operating Profit BGN mil
Provisions BGN mil
Extra and Other Cost BGN mil
Pre-Tax Profit BGN mil
Tax BGN mil
Minorities BGN mil
Net Profit BGN mil
            441 466 480 529 485    
            279 311 299 237 221    
            162 154 182 292 264    
            72.3 74.3 91.8 87.4 84.2    
            11.3 11.4 168 147 183    
            246 240 442 526 530    
            51.8 53.4 59.7 65.8 60.4    
            22.0 21.1 20.7 20.3 18.0    
            96.4 94.7 103 105 102    
            170 169 183 191 181    
            75.3 70.7 259 335 349    
            35.3 36.7 70.3 300 329    
            0.000 0.000 0.000 0.000 < 0.001    
            40.1 33.9 188 35.7 20.4    
            4.10 3.38 3.33 4.95 2.50    
            0.098 0.069 -0.016 -0.010 0.036    
            35.9 30.5 185 30.8 17.8    

growth rates

...           17.5% -4.79% 17.8% 60.6% -9.72%    
...           29.3% 2.73% 23.5% -4.74% -3.67%    
...           18.7% -2.33% 84.2% 19.1% 0.761%    
...           14.6% -0.616% 8.31% 4.19% -5.32%    
...           28.9% -6.19% 266% 29.7% 4.22%    
...           27.9% -15.3% 454% -81.0% -43.0%    
...           28.3% -14.9% 506% -83.4% -42.1%    

market share

            6.25% 6.29% 11.9% 13.5% 12.8%    
            7.57% 5.81% 36.7% 4.33% 1.98%    
            8.37% 8.53% 10.8% 10.4% 10.5%    
            4.58% 4.23% 5.86% 4.78% 4.70%    

Download Data
balance sheet Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

            926 1,141 1,348 1,652 1,522    
            100 45.9 120 112 109    
            4,182 4,540 6,021 5,810 5,221    
            796 884 1,335 1,313 1,094    
            355 376 715 654 615    
            239 295 389 412 478    
            3,254 3,487 4,450 3,974 3,394    
            738 853 622 564 680    
            138 139 136 127 117    
            6,174 7,050 8,778 8,828 8,885    
            470 505 693 727 750    
            2.28 2.35 2.33 2.32 2.36    
            5,704 6,545 8,085 8,101 8,136    
            1.78 2.58 5.30 1.39 4.71    
            5,388 6,190 7,536 7,602 7,204    
            4,459 5,027 5,616 5,729 6,146    
            930 1,163 1,920 1,873 1,058    
... ... ... ... ... ... ... ... 1,465 1,240 1,377    
... ... ... ... ... ... ... ... 6,071 5,460 5,827    
            305 341 526 473 382    
            9.28 12.0 18.3 25.1 544    

asset quality

...           137 454 479 413 1,421    
            4,315 4,709 6,257 6,334 5,955    
            133 169 236 524 733    

growth rates

...           22.4% 8.56% 32.6% -3.50% -10.1%    
...           7.16% 11.1% 51.0% -1.70% -16.7%    
...           -0.283% 6.04% 90.0% -8.46% -6.01%    
...           19.5% 23.8% 31.8% 5.88% 16.1%    
...           26.3% 7.17% 27.6% -10.7% -14.6%    
...           23.5% 14.2% 24.5% 0.568% 0.651%    
...           8.50% 7.50% 37.1% 4.96% 3.16%    
...           25.7% 14.9% 21.7% 0.873% -5.23%    
...           23.1% 12.8% 11.7% 2.01% 7.29%    
...           40.0% 25.1% 65.1% -2.46% -43.5%    

market share

            7.72% 8.15% 10.8% 11.3% 10.3%    
            9.74% 9.94% 12.7% 12.8% 11.1%    
            2.38% 3.02% 3.95% 4.28% 5.04%    
            4.21% 4.73% 7.15% 7.14% 6.03%    
            4.00% 4.21% 8.10% 7.48% 7.11%    
            10.3% 10.9% 12.6% 12.6% 11.7%    
            10.1% 10.7% 12.0% 11.8% 10.8%    
            14.4% 14.6% 14.9% 14.6% 14.4%    
            6.80% 8.15% 12.4% 12.2% 5.80%    

Download Data
ratios Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

            7.94% 6.26% 30.9% 4.34% 2.41%    
            0.642% 0.461% 2.34% 0.350% 0.201%    
            3.05% 2.56% 2.32% 2.17% 2.04%    
            69.3% 70.5% 41.5% 36.3% 34.1%    
            12.6% 11.4% 13.3% 13.6% 14.7%    
            10.2% 13.1% 14.3% 14.9% 14.2%    
            2.90% 2.33% 2.30% 3.32% 2.98%    
...           2.46% 1.96% 1.99% 3.08% 2.75%    
            7.89% 7.04% 6.07% 6.01% 5.48%    
...           5.43% 5.08% 4.08% 2.93% 2.73%    
            66.0% 64.3% 41.1% 55.5% 49.7%    
            29.4% 31.0% 20.8% 16.6% 15.9%    
            4.60% 4.73% 38.1% 27.9% 34.4%    
            1,082 1,022 950 1,099 914    
            1,521 1,556 1,399 1,667 1,557    
            30.4% 31.5% 32.6% 34.5% 33.4%    
            7.61% 7.17% 7.89% 8.23% 8.44%    
            77.6% 73.4% 79.9% 76.4% 72.5%    
            67.7% 64.4% 68.6% 65.8% 58.8%    
...           3.18% 9.65% 7.66% 6.52% 23.9%    
...           96.8% 37.2% 49.2% 127% 51.6%    
            3.18% 3.72% 3.92% 9.01% 14.0%    
            0.928% 0.842% 1.33% 5.06% 5.97%    

Download Data
other data Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

            173 162 221 178 173    
            2,838 2,859 3,554 3,291 3,234    
            678 641 650 637 630 ... ...
... ... ... ... ... ... ... ... 19.4% 16.3% 19.1%    

Download Data
First Investment Bank in Numbers

This Annual statistical dossier offers a summary of First Investment Bank's performance between 2005 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of First Investment Bank's performance between 2005 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track FIB's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

First Investment Bank at a Glance

First Investment Bank AD Sofia (Parva investitsionna banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group

Read more »

First Investment Bank AD Sofia (Parva investitsionna banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 221 branches and 650 ATMs and employed over 3,500 persons. First Investment Bank AD was founded in 1993 and is headquartered in Sofia, Bulgaria.

This report offers a summary of the bank's performance in 2005-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Bulgaria

First Investment Bank in Numbers

First Investment Bank AD Sofia (Parva investitsionna banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group

Read more »

First Investment Bank AD Sofia (Parva investitsionna banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 221 branches and 650 ATMs and employed over 3,500 persons. First Investment Bank AD was founded in 1993 and is headquartered in Sofia, Bulgaria.

This excel file offers a summary of the bank's performance in 2005-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Bulgaria

Based on a comparison of 27 banks in Bulgaria, UniCredit Bulbank produced the highest net profit in 2016, followed by DSK Bank and Raiffeisenbank Bulgaria.

UniCredit Bulbank made a net profit of BGN 361 mil, up 6.22% when compared

Read more »

Based on a comparison of 27 banks in Bulgaria, UniCredit Bulbank produced the highest net profit in 2016, followed by DSK Bank and Raiffeisenbank Bulgaria.

UniCredit Bulbank made a net profit of BGN 361 mil, up 6.22% when compared to the last year. Historically, the bank’s net profit reached an all time high of BGN 361 mil in 2016 and an all time low of BGN 68.9 mil in 2001. The average profit in the last five years amounted to BGN 276 mil.

The bank generated its shareholders an average return on equity of 11.1% in the last five years with maximum at 13.5% and minimum at 7.32%.

When compared to the nearest peers, DSK Bank generated a net profit of BGN 303 mil with ROE of 18.9% in 2016, Raiffeisenbank Bulgaria netted BGN 139 mil (ROE of 15.1%) and Eurobank Bulgaria announced a net profit of BGN 120 mil implying ROE of 11.6%.

Net profit of the Bulgaria’s banking sector amounted to BGN 1,262 mil in 2016, up 40.5% when compared to the last year. As a result, the top ranked company - UniCredit Bulbank accounted for 28.6% of the sector’s net profit in 2016. The top 3 companies held a 63.6% share while the five largest firms some 81.9% in 2016.

You can see all the banks net profit data at Net Profitindicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 27 banks in Bulgaria in 2016, UniCredit Bulbank generated the largest revenues, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank reported total revenues of BGN 858 mil, up 9.29% when compared

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Based on a comparison of 27 banks in Bulgaria in 2016, UniCredit Bulbank generated the largest revenues, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank reported total revenues of BGN 858 mil, up 9.29% when compared to the last year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of BGN 858 mil in 2016 and an all time low of BGN 145 mil in 2001. The average revenue in the last five years amounted to BGN 756 mil.

Bank's total revenues accounted for 4.21% of total assets in 2016, up from 4.16% a year earlier.

When compared to the nearest peers, DSK Bank generated total revenues of BGN 754 mil, or 6.38% of assets in 2016, First Investment Bank operated with BGN 472 mil total income, or 5.19% revenue margin and United Bulgarian Bank produced total income worth BGN 406 mil, or 5.94% of assets.

Bulgarian banking sector generated total revenues of BGN 4,057 mil in 2016, down 1.70% when compared to the last year. As a result, the top ranked company - UniCredit Bulbank accounted for 21.1% of the sector’s total income in 2016. The top 3 companies held a 51.4% share while the five largest firms some 70.4% in 2016.

You can see all the banks revenues data at Total Revenues indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 27 banks in Bulgaria in 2016, UniCredit Bulbank generated the largest fee income, followed by DSK Bank and United Bulgarian Bank.

UniCredit Bulbank reported total fee income of BGN 210 mil, up 5.76% when

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Based on a comparison of 27 banks in Bulgaria in 2016, UniCredit Bulbank generated the largest fee income, followed by DSK Bank and United Bulgarian Bank.

UniCredit Bulbank reported total fee income of BGN 210 mil, up 5.76% when compared to the last year. Historically, the bank’s fee income reached an all time high of BGN 210 mil in 2016 and an all time low of BGN 29.0 mil in 2000.

When compared to the nearest peers, DSK Bank generated total fee income of BGN 167 mil, United Bulgarian Bank operated with BGN 93.5 mil fee income and First Investment Bank produced total fees worth BGN 92.2 mil.

You can see all the banks fee income data at Fee Income indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 27 banks in Bulgaria in 2016, UniCredit Bulbank was the largest lender, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank loans reached BGN 10,873 mil, up 5.34% when compared to the last year.

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Based on a comparison of 27 banks in Bulgaria in 2016, UniCredit Bulbank was the largest lender, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank loans reached BGN 10,873 mil, up 5.34% when compared to the last year. Historically, the bank’s loans reached an all time high of BGN 11,112 mil in 2014 and an all time low of BGN 374 mil in 2000.

When compared to the nearest peers, DSK Bank customer loans amounted to BGN 6,364 mil, First Investment Bank operated with BGN 5,045 mil loans and Eurobank Bulgaria had a loan portfolio of BGN 4,214 mil.

Bulgarian banking sector provided total customer loans of CZK 55.9 bil in 2016, up 10.3% when compared to the last year. As a result, the top ranked company - UniCredit Bulbank accounted for 19.4% of the sector’s loans in 2016. The top 3 companies held a 39.9% share while the five largest firms some 54.5% in 2016.

You can see all the banks loans at Customer Loans indicator page or you can download a report on the Bulgarian banks in the report section.

See all charts of the company »
FIB's mortgage loans rose 9.05% to BGN 622 mil in 2017
FIB's npls (as % of loans) fell 8.61% to 17.6% in 2017
FIB's customer deposits fell 4.15% to BGN 7,584 mil in 2017
FIB's consumer loans rose 1.45% to BGN 898 mil in 2017
FIB's retail deposits fell 4.38% to BGN 6,305 mil in 2017
FIB's capital adequacy ratio rose 5.02% to 15.9% in 2017
FIB's net profit fell 6.62% to BGN 92.2 mil in 2017
FIB's net profit fell 6.62% to BGN 92.2 mil in 2017
FIB's customer loans rose 2.34% to BGN 5,163 mil in 2017
FIB's total revenues fell 13.8% to BGN 407 mil in 2017