First Investment Bank reported consolidated net profit for H1 2010 of BGN 12.4m, down BGN 2.4m in comparison with the non-consolidated results for the same period. Net interest income came in at BGN 62.3m, up by BGN 1.8m after the consolidation. However, administrative expenses increased by BGN 3.7m, while provisions grew by BGN 1.3m both of which reduced the bottom line. As of H1 2010 ROaE on consolidated basis was at 6.0% vs. 6.7% under the non-consolidated financials. Total assets stood at BGN 4.6bn, up by BGN 34m after the consolidation. Customer deposits increased by BGN 80.5m and reached BGN 3.9bn. At the same, other borrowed funds (a category which includes mainly subordinated debt and bonds) decreased by BGN 35.5m in comparison with the unconsolidated financials. After the consolidation the loan portfolio increased to BGN 3bn, up by BGN 29m. The bank reported CAR of 13.89% on a consolidated basis