First Investment Bank AD Balance Sheet Health
Financial Health criteria checks 4/6
First Investment Bank AD has total assets of BGN14.9B and total equity of BGN1.6B. Total deposits are BGN12.3B, and total loans are BGN7.8B earning a Net Interest Margin of 3.1%. It has insufficient allowance for bad loans, which are currently at 12.3% of total loans. Cash and short-term investments are BGN670.2M.
Key information
9.4x
Asset to equity ratio
3.1%
Net interest margin
Total deposits | лв12.32b |
Loan to deposit ratio | Appropriate |
Bad loans | 12.3% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | лв670.17m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FIB's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: FIB has a low allowance for bad loans (38%).
Low Risk Liabilities: 93% of FIB's liabilities are made up of primarily low risk sources of funding.
Loan Level: FIB has an appropriate level of Loans to Assets ratio (53%).
Low Risk Deposits: FIB's Loans to Deposits ratio (63%) is appropriate.
Level of Bad Loans: FIB has a high level of bad loans (12.3%).