The bank's net interest income through September was also 21% lower year-on-year at 89.2 million levs, the bank said in its financial report for the first nine months of 2009.
FIBank had a loan portfolio of 2.973 billion levs, a deposit portfolio of 3.175 billion levs and total assets of 4.109 billion levs at the end of September.
The bank's capital adequacy ratio was 13.57% at end-September.
FIBank gave no year-ago comparative figures.
The bank, Bulgaria's largest domestically-owned bank and the sixth largest lender by assets at the end of September, had a network of 159 outlets across Bulgaria and abroad. It has branches in Macedonia and Albania.
Twenty-four locally-registered banks and the branches of five foreign lenders operated in the country at the end of September.
(1 euro = 1.95583 Bulgarian levs)