First Investment Bank (Fibank)

First Investment Bank AD (Fibank) is a Bulgarian universal bank founded in 1993 and headquartered in Sofia, serving retail, SME, and corporate clients through a nationwide branch and ATM network and digital channels. The bank provides current and savings accounts in multiple currencies, payment services (including SEPA and international SWIFT transfers), debit and credit cards under the Visa and Mastercard brands, consumer and mortgage lending, SME and corporate financing, trade finance, cash management, merchant acquiring for POS and e-commerce, and online and mobile banking with PSD2 strong customer authentication and open-banking connectivity. Additional activities include investment and custody services and the distribution of precious metals and numismatic products. Fibank operates internationally through group entities, including a subsidiary in Albania, and maintains correspondent banking relationships for cross-border payments. Deposits are covered by the Bulgarian Deposit Insurance Fund up to the statutory EU limit (the equivalent of EUR 100,000 per depositor, per bank). The institution is licensed and supervised by the Bulgarian National Bank and adheres to applicable EU banking regulations, including capital and liquidity requirements; it publishes IFRS financial statements and Pillar 3 disclosures. First Investment Bank is publicly listed on the Bulgarian Stock Exchange – Sofia (ticker: 5F4). Product eligibility, pricing, interest rates, and fees are defined in the bank’s tariff and lending conditions and can vary by customer profile, product type, and currency, with standard foreign exchange and interest rate risks applying to relevant accounts and loans.