First Investment Bank Ad · BSESOF:FIB
First Investment Bank Ad — First Investment Bank — Investor Presentation (February 2016)
9 slides from First Investment Bank Ad's investor presentation, Feb 1, 2016
Slide 1: Highlights 2015
Highligts 2015 *unconsolidated, unaudited data 01/02/2016 Sofia
Slide 2: Contents
Contents: Banking sector and FIBank’s market position at the end of Q3 of 2015 Balance sheet as at 31/12/2015 Profit as at 31/12/2015 Key ratios 2
Slide 3: Bulgarian banking sector 2015
Bulgarian banking sector 2015 The Bulgarian banking sector consists of 28 banks, subdivided into three groups based on BNB classification : Five largest banks Other banks in Branches of foreign based on total assets Bulgaria banks in Bulgaria Group I: Group II: Group III: • UniCredit Bulbanк • Eurob
Slide 4: Balance sheet: assets
Balance sheet: assets (in mln BGN) Total assets • Preserved balance sheet positions 8 646 8 681 +0.4% • Solid liquid base: liquidity ratio 25.36% Dec 2014 дек. 2014 Dec2015 дек. 2015 • In order to earn rentals and for capital appreciation in 2015 the Bank started accounting for a new asset class Ass
Slide 5: Balance sheet: loan portfolio
Balance sheet: loan portfolio (in mln BGN) Loans and advances to customers 31.12.2015 % 31.12.2014 % • The change in the structure of Retail 1 345 26% 1 206 21% loans in 2015 reflects the Bank’s Corporate lending 3 760 74% 4 528 79% strategy to be the bank preferred by Total loans, net 5 104 100% 5
Slide 6: Balance sheet: deposits
Balance sheet: deposits (in BGN mln) Total deposits 7 410 7 454 • Stable deposit base, growth by 0.6% (BGN 44 mln) in +0.6% 2015 2014 2015 • Customers’ trust in Fibank continues to grow, leading Deposits to the increase in borrowings from private individuals, 7 003 households and institutions other
Slide 7: Profit
Profit (BGN mln) 2015 2014 +/- % Total income Total income 514 280 504 698 9 582 1.90 514 280 Administrative expense (172 518) (178 310) 5 792 -3.25 Profit before impairment loss 341 762 326 388 15 374 4.71 504 698 Impairment expense (327 422) (291 827) -35 595 12.20 +1.9% Profit before tax 14 340 3
Slide 8: Key ratios
Key ratios Fibank key ratios 31.12.2015 30.11.2015 31.10.2015 30.09.2015 30.06.2015 31.03.2015 31.12.2014 Capital Adequacy Overall cap adequacy* 14.92% 14.61% 14.47% 14.36% 15.06% 14.91% 15.22% Tier I cap adequacy* 14.42% 14.12% 13.98% 13.88% 13.99% 13.83% 13.96% CET1 adequacy* 11.43% 11.19% 11.08%
Slide 9: Disclaimer
DISCLAIMER This document does not form a part of, and should not be construed as, an offer or invitation to subscribe for or purchase any securities and neither this document nor anything contained herein shall form the basis of, or be relied on in connection with, any offer or commitment whatsoever
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