First Investment Bank AD Cash Flow Statement

Financials in millions BGN. Fiscal year is January - December.

Millions BGN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Net Income	188.22	144.79	157.57	97.24	110.6	Upgrade
Depreciation & Amortization	40.58	51.28	9.93	9.82	44.46	Upgrade
Other Amortization	5.98	-	4.37	3.14	2.83	Upgrade
Gain (Loss) on Sale of Assets	-6.17	-18.26	-7.71	0.56	5.82	Upgrade
Gain (Loss) on Sale of Investments	0.09	-0.02	0	-0.01	0.19	Upgrade
Total Asset Writedown	-88.85	-6.02	-	-14.77	-30.34	Upgrade
Provision for Credit Losses	169.46	199.1	145.28	140.42	124.96	Upgrade
Change in Trading Asset Securities	-19.85	-1,111	-620.49	522.6	-275	Upgrade
Change in Other Net Operating Assets	-1,422	-1,177	-1,108	-374.66	-571.5	Upgrade
Other Operating Activities	-38.28	65.5	85.2	73.62	-8.6	Upgrade
Operating Cash Flow	-1,170	-1,852	-1,334	457.95	-596.59	Upgrade
Capital Expenditures	-44.09	-216.94	-29.49	-42	-14.44	Upgrade
Sale of Property, Plant and Equipment	0.07	0.06	0.23	0.03	0.04	Upgrade
Investment in Securities	127.66	558.66	578.11	-1,702	-116.36	Upgrade
Other Investing Activities	23.35	60.64	39.36	46.13	14.4	Upgrade
Investing Cash Flow	107	402.42	588.21	-1,698	-116.37	Upgrade
Long-Term Debt Issued	572.88	281.27	322.51	4.08	69.6	Upgrade
Long-Term Debt Repaid	-	-	-	-47.4	-	Upgrade
Net Debt Issued (Repaid)	572.88	281.27	322.51	-43.33	69.6	Upgrade
Net Increase (Decrease) in Deposit Accounts	1,533	1,648	856.16	1,493	458.23	Upgrade
Financing Cash Flow	2,106	1,929	1,179	1,449	527.83	Upgrade
Net Cash Flow	1,042	480.21	432.69	209.14	-185.13	Upgrade
Free Cash Flow	-1,215	-2,068	-1,364	415.95	-611.02	Upgrade
Free Cash Flow Margin	-290.70%	-494.66%	-323.89%	125.10%	-197.53%	Upgrade
Free Cash Flow Per Share	-8.15	-13.87	-9.15	2.79	-4.10	Upgrade
Cash Interest Paid	99.19	67.72	42.39	60.2	72.73	Upgrade
Cash Income Tax Paid	45.63	15.51	18.99	8.33	5.04	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.