OREANDA-NEWS. November 20, 2007. Net income increased by 83% from KZT 18.3 billion for the first nine months of 2006 to KZT 33,4 billion for the first nine months of 2007, reported the press-centre of Halyk Bank.
 
Operating income increased by 71% from KZT 40.1 billion for the first nine months of 2006 to
KZT 68.4 billion for the first nine months of 2007
 
Net interest income increased by 58% from KZT 22,8 billion for the first nine months of 2006 to
KZT 36,1 billion for the first nine months of 2007
 
Net interest margin remained strong at 6,7% for the first nine months of 2007
 
Loan-to-Deposit ratio improved from 1,28 in June 2007 to 1,18 in September 2007
 
Net loan portfolio increased by 52% from KZT 596,2 billion as at 31 December 2006 to KZT 905,1 billion as at 30 September 2007
 
Total assets increased by 42% from KZT 991,3 billion as at 31 December 2006 to KZT 1,408 billion as at 30 September 2007
 
Retail deposits increased by 71% from KZT 209,878 million as at 30 June 2007 to KZT 357,852 million as at September 07
 
Cost-to-income ratio improved from 36.3% in the first nine months of 2006 to 30.1% in the first nine
months of 2007
 
RoAE strong at 38,6%, RoAA strong at 3,9% in nine months of 2007 on the back of strong assets growth.

Full report see here: http://eng.halykbank.kz/content/view/full/1564/offset