First Investment Bank – Аlbania Sh.a.

In April 2006, First Investment Bank established First Investment Bank - Albania Sh.a. with 99.9998% shareholding participation. In June 2007, First Investment Bank - Albania Sh.a. obtained a full banking license by the Central Bank of Albania, and as of September 2007 effectively took over the activity of the former FIB - Tirana branch, which operates in the Albanian market since 1999, with all its rights and obligations, assets and liabilities. As at 31 December 2014 the Bank's shareholding is 100%.

First Investment Bank - Albania Sh.a. offers a full range of banking products and services that are aimed at individuals and small and medium enterprises. The bank develops card payments by offering debit and credit cards, based on EMV compliant chip technology, as well as by offering e-banking tailored to clients’ needs and requirements. The Bank first offered on the Albanian market products from investment gold and other precious metals.

Diners Club Bulgaria AD

Diners Club Bulgaria AD is a joint stock company incorporated in November 1996 with the main scope of business issuance of Diners Club international credit cards and processing of payments with them. In May 2005, First Investment Bank acquired 80% of the capital of the company. As at 31 December 2014 the Bank's shareholding is 94.79%. In 2010, the company received a license from the Bulgarian National Bank for payment institution that may perform payment transactions through payment cards and issue and accept payments with payment instruments.

Throughout the years Diners Club Bulgaria AD has worked systematically and consistently to increase the penetration of the Diners Club brand in the local market, by offering new services to cardholders and expanding the network of POS terminals which accept payments with Diners Club cards.

FiHealth Insurance AD - FiHealth

In 2010, First Investment Bank acquired majority stake of the capital of Health Insurance Fund FiHealth AD. In June 2013, following a decision by the Financial Supervision Commission the company became the first among voluntary health insurance funds in the country, which was given a license to perform insurance activities, ensuring financial security of expenses related to medical care in the sphere of non-hospital medical services, hospital treatment, expenses for medical goods and dental services. The name of the company was changed to FiHealth Insurance AD, while its business activity - in line with the Insurance Code - specifies "Illness" and "Accident" insurance policies. As at 31 December 2014 the Bank's shareholding in the company is 59.10%.

First Investment Bank AD has other subsidiaries, as follows: First Investment Finance B.V., Debita OOD, Realtor OOD, Balkan Financial Services EAD, Creative Investment ЕООD, Turnaround Management ЕООD, Lega Solutions ЕООD and АМC Imoti ЕООD.