Yesterday Bank Forum (FORM) announced its 2008 financial and operating results: net income of UAH 10.3 mln (down 80.4% yoy), assets of UAH 20.5 bln (up 42.3% yoy), equity of UAH 1.9 bln (up 40.2% yoy), and a loan portfolio of UAH 16.9 bln (up 75.1% yoy).