First Investment Bank AD Balance Sheet Health
Financial Health criteria checks 4/6
First Investment Bank AD has total assets of BGN15.6B and total equity of BGN1.6B. Total deposits are BGN12.9B, and total loans are BGN8.2B earning a Net Interest Margin of 3.8%. It has insufficient allowance for bad loans, which are currently at 15.5% of total loans. Cash and short-term investments are BGN668.5M.
Key information
9.6x
Asset to equity ratio
3.8%
Net interest margin
| Total deposits | лв12.87b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 15.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | лв668.54m |
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 (9.6x) is low.
Allowance for Bad Loans: FIB has a low allowance for bad loans (32%).
Low Risk Liabilities: 92% 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 (64%) is appropriate.
Level of Bad Loans: FIB has a high level of bad loans (15.5%).