The total value of non-banking deposits stood at EUR 1.52bn, which was up 11%, as the bank increased its market share in the field from 6.3% to 7.5%.

Household deposits increased by 3.8%, bringing the market share up from 6.9% to 7.4%. The total amount of companies' deposits grew by 25.6%, with the market share increasing from 5.3% to 7.3%.

The amount of gross loans to the non-banking sector decreased by just over 6% to EUR 1.9bn. Here, the market share increased from 5.7% to 6.4%. Companies got 6.9% less loans, while loans to people decreased by 3.8%.

The bank's share of bad loans stood at 13.9% in December.

Banka Koper moreover improved its loan to deposit ratio, by 0.21 points to 1.03 points, bringing down the bank's dependence on other forms of financing.

The bank's earnings before taxes stood at EUR 2.6m, down from EUR 8.8m in 2012.

Its net interest income stood at EUR 44.2m, which was down 12.4% compared to the year before. Net commissions reached EUR 24.1m, down 2.1%.

Banka Koper moreover cut its operating costs by 3.1%. The bank's capital adequacy was at 14.63% and Core Tier 1 capital was at 14.56%, up 1.42% compared to 2012.