OREANDA-NEWS. November 24, 2011. Joint Stock Company "Halyk Savings Bank of Kazakhstan" and its subsidiaries (together "the Bank") (LSE: HSBK) releases its condensed interim consolidated financial information for the 9 months ended 30 September 2011, reported the press-centre of KASE.

Consolidated financial results for the nine months ended 30 September 2011

- Net income is up by 8.2% to KZT 28.1 bn y-o-y

- Gross loans to customers are up by 2.8% YTD

- Impairment charge is down by 24.4% y-o-y

- Fees and commissions, net are up by 34.5% y-o-y

- Operating expenses are up by 6.5% y-o-y

- Net interest margin at 4.3%

- Cost-to-income ratio at 33.8%

- ROAE is up to 11.9% p.a. (11.8% p.a. for 9m 2010)

- ROAA is up to 1.7% p.a. (1.6% p.a. for 9m 2010)