OREANDA-NEWS  On 20 October was announced, that bank Forum’s < FORM UZ Buy > credit portfolio increased by USD 565mn or 33.7% in 9M2008 (29.4% in the industry), though decreased by around 9% in September. Meanwhile, the bank’s credit portfolio to small and mid size enterprises increased by USD 105mn or by 70% in 9M2008. At the same time FORM’s net income increased by 87.5%, y/y in 9M2008 (63.3% industry’s average) and by 7.6%, m/m in September to USD 14.2mn. This suggests FORM’s 2008E ROE of 5.7% (13.1% in the industry).