...Changes in 12m to end-3Q15 account for aggregated balances of Alliance Bank and Temir Bank prior to their merger with Forte Bank in 4Q14 Source: KSE, Fitch's calculations Customer Loans Gross loans, incl. accured interest (KZTbn) Gross loans chg. (%) Accrued interest/ gross loans ratio chg. (pps) Accrued interest/ gross loans (%) Loan impairment reserves (LIRs) (KZTbn) LIRs chg. (%) LIRs/ gross loans (%) LIRs/ gross loans ratio chg. (pps)...