Non-consolidated net interest income is seen at 13 million euro over the review period, down from 17.7 million euro a year earlier, the bank said in a bourse filing.
Net fee and commission income is estimated to rise to 1.9 million kuna in the first nine months of the year from 1.6 million euro a year earlier.
Factor Banka's non-consolidated assets are seen edging down to 1.005 billion euro at the end of September from 1.044 billion euro at the end of 2011.
($=0.7729 euro)