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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%    

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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
Comparison of 28 Banks in Bulgaria

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

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

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

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 10 banks in Bulgaria in 2016, Eurobank Bulgaria was paying its employees the best, followed by United Bulgarian Bank and Raiffeisenbank Bulgaria.

Eurobank Bulgaria employed 2,200 persons in 2016, down 0.317%

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Based on a comparison of 10 banks in Bulgaria in 2016, Eurobank Bulgaria was paying its employees the best, followed by United Bulgarian Bank and Raiffeisenbank Bulgaria.

Eurobank Bulgaria employed 2,200 persons in 2016, down 0.317% when compared to the previous year. Historically, the bank's workforce hit an all time high of 2,859 persons in 2011 and an all time low of 1,078 in 2002.

Average cost reached 1,458 per employee, 32.7% more than a year ago. This figure was some 10 years ago.

Staff accounted for 41.8% of total operating expenditures in 2016.

Comparing Eurobank Bulgaria with its closest peers, United Bulgarian Bank had 2,620 employees with average cost of 1,342 per person, Raiffeisenbank Bulgaria operated with 2,736 people (and 1,295 per employee) and DSK Bank had 4,679 employees in 2016 with cost of 1,132 per head.

The average staff cost per employee reached 2,074 in the Bulgarian banking sector in 2016.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 10 banks in Bulgaria in 2017, Raiffeisenbank Bulgaria was paying its employees the best, followed by Eurobank Bulgaria and United Bulgarian Bank.

Raiffeisenbank Bulgaria employed 2,711 persons in 2017, down 0.914%

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Based on a comparison of 10 banks in Bulgaria in 2017, Raiffeisenbank Bulgaria was paying its employees the best, followed by Eurobank Bulgaria and United Bulgarian Bank.

Raiffeisenbank Bulgaria employed 2,711 persons in 2017, down 0.914% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,703 persons in 2008 and an all time low of 598 in 2003.

Average cost reached 1,372 per employee, 5.98% more than a year ago. This figure was 985 some 10 years ago.

Staff accounted for 45.0% of total operating expenditures in 2017.

Comparing Raiffeisenbank Bulgaria with its closest peers, Eurobank Bulgaria had 2,200 employees with average cost of 1,356 per person, United Bulgarian Bank operated with 2,600 people (and 1,299 per employee) and Piraeus Bank Bulgaria had 902 employees in 2017 with cost of 1,282 per head.

The average staff cost per employee reached 2,208 in the Bulgarian banking sector in 2017.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 10 banks in Bulgaria in 2016, DSK Bank had the most employees, followed by UniCredit Bulbank and First Investment Bank.

DSK Bank employed 4,679 persons in 2016, up 3.94% when compared to the previous year.

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Based on a comparison of 10 banks in Bulgaria in 2016, DSK Bank had the most employees, followed by UniCredit Bulbank and First Investment Bank.

DSK Bank employed 4,679 persons in 2016, up 3.94% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,736 persons in 2012 and an all time low of 3,569 in 2006.

Average cost reached BGN 1,132 per month per month per employee, 3.00% more than a year ago. This figure was BGN 969 per month some 10 years ago.

Comparing DSK Bank with its closest peers, UniCredit Bulbank had 4,149 employees with average cost of BGN 108 per month per person, First Investment Bank operated with 3,322 people (and BGN 866 per month per employee) and Raiffeisenbank Bulgaria had 2,736 employees in 2016 with cost BGN 2,736 per month per head.

Bulgarian banking sector employed 30,352 people in 2016. The average staff cost per employee reached BGN 2,074 per month.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 10 banks in Bulgaria in 2017, DSK Bank had the most employees, followed by UniCredit Bulbank and First Investment Bank.

DSK Bank employed 4,872 persons in 2017, up 4.13% when compared to the previous year.

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Based on a comparison of 10 banks in Bulgaria in 2017, DSK Bank had the most employees, followed by UniCredit Bulbank and First Investment Bank.

DSK Bank employed 4,872 persons in 2017, up 4.13% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,872 persons in 2017 and an all time low of 3,569 in 2006.

Average cost reached BGN 1,216 per month per month per employee, 7.45% more than a year ago. This figure was BGN 901 per month some 10 years ago.

Comparing DSK Bank with its closest peers, UniCredit Bulbank had 4,147 employees with average cost of BGN 119 per month per person, First Investment Bank operated with 3,221 people (and BGN 969 per month per employee) and Raiffeisenbank Bulgaria had 2,711 employees in 2017 with cost BGN 2,711 per month per head.

Bulgarian banking sector employed 30,070 people in 2017. The average staff cost per employee reached BGN 2,208 per month.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Bulgarian banks in the report section.

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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