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First Investment Bank

Created with Highcharts 6.0.4Sales and Profits (BGN mil)Total RevenuesNet Profit200520062007200820092010201120122013201420152016201702004006000100200

FIB's mortgage loans rose 9.05% to BGN 622 mil in 2017

By Helgi Library - September 20, 2018

First Investment Bank's mortgage loans reached BGN 622 mil in 2017, up 9.05% compared to the previous year. Bulgarian banking s...

FIB's mortgage loans rose 9.05% to BGN 622 mil in 2017

By Helgi Library - September 20, 2018

First Investment Bank's mortgage loans reached BGN 622 mil in 2017, up 9.05% compared to the previous year. Bulgarian banking s...

FIB's npls (as % of loans) fell 8.61% to 17.6% in 2017

By Helgi Library - September 2, 2018

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 pre...

Profit Statement 2015 2016 2017
Net Interest Income BGN mil 264 319 261
Net Fee Income BGN mil 84.2 92.2 102
Other Income BGN mil 183 60.2 43.5
Total Revenues BGN mil 530 472 407
Staff Cost BGN mil 60.4 61.0 65.0
Operating Profit BGN mil 349 266 181
Provisions BGN mil 329 156 78.9
Net Profit BGN mil 17.8 98.7 92.2
Balance Sheet 2015 2016 2017
Interbank Loans BGN mil 109 51.9 54.4
Customer Loans BGN mil 5,221 5,045 5,163
Total Assets BGN mil 8,885 9,090 8,921
Shareholders' Equity BGN mil 750 859 947
Interbank Borrowing BGN mil 4.71 3.35 8.14
Customer Deposits BGN mil 7,204 7,912 7,584
Issued Debt Securities BGN mil 382 279 336
Ratios 2015 2016 2017
ROE % 2.41 12.3 10.2
ROA % 0.201 1.10 1.02
Costs (As % Of Assets) % 2.04 2.28 2.50
Costs (As % Of Income) % 34.1 43.5 55.4
Capital Adequacy Ratio % 14.7 15.1 15.9
Net Interest Margin % 2.98 3.55 2.90
Loans (As % Of Deposits) % 72.5 63.8 68.1
NPLs (As % Of Loans) % 23.9 19.3 17.6
Provisions (As % Of NPLs) % 51.6 73.6 59.3
Valuation 2015 2016 2017
Price/Earnings (P/E) 13.3 3.73 6.75
Price/Book Value (P/BV) 0.317 0.429 0.657
Earnings Per Share (EPS) BGN 0.162 0.897 0.838
Book Value Per Share BGN 6.82 7.81 8.61

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