OREANDA-NEWS. Halyk Savings Bank of Kazakhstan JSC (Almaty), whose securities are officially listed on Kazakhstan Stock Exchange (KASE), has provided KASE with following information statement of December 2, 2014: Joint Stock Company "Halyk Savings Bank of Kazakhstan" and its subsidiaries (together "the Bank") (LSE: HSBK) releases its interim condensed consolidated financial information for the 9 months ended 30 September 2014.

KEY FINANCIAL HIGHLIGHTS.

- Net income is up by 63.8% to KZT 92.0bn, YoY;
- Net interest income before impairment charge is up by 26.7%;
- Impairment charge is down by 96.9%;
- Net interest income is up by 52.2%;
- Fees and commissions from transactional banking are up by 11.2%;
- Net interest margin is up to 5.6% p.a. (4.8% p.a. for 9m 2013);
- Cost-to-income ratio is down to 28.0% p.a. (30.1% p.a. for 9m 2013);
- RoAE is up to 30.0% p.a. (22.0% p.a. for 9m 2013);
- RoAA is up to 4.5% p.a. (3.0% p.a. for 9m 2013);
- Total assets are up by 13.5%, YTD;
- Net loans to customers are up by 2.3%;
- Amounts due to customers are up by 11.3%;
- Total equity is up by 17.9%;
- NPLs 90-day+ ratio is down to 14.1% (18.0% as at 31 December 2013);
- Cost of risk is down to 0.0% p.a. (1.1% p.a. for 9m 2013).