OREANDA-NEWS. August 23, 2012. 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 6 months ended 30 June 2012, reported the press-centre of KASE.

6 months 2012 financial highlights

- Net income is up by 49.8% to KZT 31.6 bn

- Total assets are up by 13.5%

- Net loans to customers are almost flat vs. YE 2011 and up by 3.2% vs. 31
  March 2012

- Amounts due to customers are up by 17.8% vs. YE 2011 and almost flat vs. 31 March 2012

- Customer current accounts are up by 46.0%

- Total equity is down by 0.7% vs. YE 2011 and by 7.0% vs. 31 March 2012 as a result of buy-back of preferred shares from Samruk-Kazyna

- Impairment charge is down by 59.3%

- Net interest income is up by 61.1%

- Fees and commissions, net are up by 6.8%

- Operating expenses are up by 11.5%

- Net interest margin is up to 5.1% p.a. (4.3% p.a. for 1H 2011)

- Cost-to-income ratio at 35.1%

- RoAE is up to 17.8% p.a. (13.2% p.a. for 1H 2011)

- RoAA is up to 2.6% p.a. (1.9% p.a. for 1H 2011).