RusRating Confirms Following Bank and Company Credit Ratings

BANK (City)

National Rating

International Rating

04.12.2012

28.12.2012

04.12.2012

28.12.2012

GE MONEY BANK (Moscow)*

AAA

AAA

A+

A+

ROSBANK (Moscow)

AAA

AAA

A+

A+

VTB 24 (Moscow)

AAA

AAA

A

A

ALFA-BANK (Moscow)

AAA

AAA

A-

A-

BANK OF MOSCOW (Moscow)

AA+

AA+

BBB+

BBB+

CREDIT BANK OF MOSCOW (Moscow) *

AA+

AA+

BBB+

BBB+

CREDIT EUROPE (Moscow) *

AA+

AA+

BBB+

BBB+

GAZPROMBANK (Moscow)

AA+

AA+

BBB+

BBB+

AK BARS (Kazan)

AA

AA

BBB

BBB

B&N BANK (Moscow)*

AA

AA

BBB

BBB

KHANTY-MANSIISKI BANK (Tyumen region)

AA

AA

BBB

BBB

MDM BANK (Novosibirsk)

AA

AA

BBB

BBB

NOMOS BANK (Moscow)

AA

AA

BBB

BBB

AVANGARD (Moscow)*

AA-

AA-

BBB-

BBB-

MBRD (Moscow)

AA-

AA-

BBB-

BBB-

ORIENT EXPRESS (Blagoveshchensk)*

AA-

AA-

BBB-

BBB-

PETROCOMMERCE (Moscow)

AA-

AA-

BBB-

BBB-

PROBUSINESSBANK (Moscow)*

AA-

AA-

BBB-

BBB-

PROMSVYAZBANK (Moscow)

AA-

AA-

BBB-

BBB-

RUSSIAN STANDARD (Moscow)

AA-

AA-

BBB-

BBB-

SAROVBUSINESSBANK (Sarov)*

AA-

AA-

BBB-

BBB-

SKB-BANK (Ekaterinburg)*

AA-

AA-

BBB-

BBB-

SOVCOMBANK (Kostroma)*

AA-

AA-

BBB-

BBB-

URALSIB (Moscow)

AA-

AA-

BBB-

BBB-

VOZROZHDENIE (Moscow)

AA-

AA-

BBB-

BBB-

ZENIT (Moscow)

AA-

AA-

BBB-

BBB-

SDM-BANK (Moscow)*

A+

A+

BB+

BB+

EXPOBANK (Moscow)*

A

A

BB+

BB+

BANK TAVRICHESKI(St. Petersburg) *

A-

A-

BB+

BB+

BFG CREDIT (Moscow)*

A-

A-

BB+

BB+

FUNDSERVICEBANK (Moscow)*

A-

A-

BB+

BB+

M BANK (Moscow) *

A-

A-

BB+

BB+

TRUST NB (Moscow)*

A-

A-

BB+

BB+

BANK24.RU (Ekaterinburg)*

BBB+

BBB+

BB

BB

EXPRESS VOLGA (Saratov)*

BBB+

BBB+

BB

BB

GAZENERGOBANK (Kaluga)*

BBB+

BBB+

BB

BB

KUBAN CREDIT (Krasnodar)*

BBB+

BBB+

BB

BB

POIDEM! (Moscow)*

BBB+

BBB+

BB

BB

SOBINBANK (Moscow)*

BBB+

BBB+

BB

BB

VUZ-BANK (Ekaterinburg)*

BBB+

BBB+

BB

BB

BANK EKATERINBURG (Ekaterinburg) *

BBB

BBB

BB

BB

CHELINDBANK (Chelyabinsk)

BBB

BBB

BB

BB

GARANT-INVEST (Moscow)*

BBB+

BBB+

BB

BB

RED GATES BANK (Moscow)*

BBB

BBB

BB

BB

BANK OF SETTLEMENTS & SAVINGS (Moscow)*

BBB-

BBB-

BB-

BB-

IBSP (St. Petersburg)

BBB-

BBB-

BB-

BB-

MILLENNIUM BANK (Moscow)*

BBB-

BBB-

BB-

BB-

SOYUZ (Moscow)

BBB-

BBB-

BB-

BB-

ECONOMIC UNION (Moscow)*

BB+

BB+

B+

B+

PULS STOLITSY (Moscow)*

BB+

BB+

B+

B+

INVESTSOCBANK (Moscow)*

BB

BB

B+

B+

COMPANY (City)

National Rating

International Rating

04.12.2012

28.12.2012

04.12.2012

28.12.2012

CRYLANI TRADING LTD (Cyprus)*

BBB

BBB

BB

BB

JFC SISTEMA (Moscow) *

AAA

AAA

A-

A-

HANOVERDY OVERSEAS LTD (Cyprus)*

BB

BB+

BB

BB

HYPERCENTRE (Moscow) *

BBB

BBB

BB

BB

KINGCOAL (Moscow) *

BBB

BBB

BB

BB

LIFE CAPITAL & REVENUES INSURANCE LLC (Podolsk) *

BBB

BBB

BB

BB

LIFE FACTORING (Moscow) *

--

BBB

--

BB

STROIEKOLOGIA (Moscow) *

BBB

BBB

BB

BB

TEKHNOLEASING (Moscow) *

BBB

BBB

BB

BB

VF SERVICES (Moscow) *

BBB-

--

BB-

--

UNICSTATE (Moscow) *

BBB

BBB

BB

BB

ZABAIKAL REGION GUARANTEE FUND (Chita)

--

AA-

--

BBB-

MUTUAL FUND (City)

National Rating

International Rating

04.12.2012

28.12.2012

04.12.2012

28.12.2012

ZRPIF FINAM KV (Moscow) *

BBB

BBB

BB

BB

BONDS (City)

National Rating

International Rating

04.12.2012

28.12.2012

04.12.2012

28.12.2012

INFRASTRUCTURE BOND SERIES 01 ISSUED BY ZAO UPRAVLENIE OTKHODAMI – NN (N.Novgorod)*

BBB-

BBB-

BB-

BB-

INTEREST-BEARING DOCUMENTARY NON-CONVERTIBLE BEARER EXCHANGE BONDS SERIES 03 ISSUED BY JSC TGK-1 (S.-Petersburg)*

AA-

AA-

BBB-

BBB-

INTEREST-BEARING DOCUMENTARY NON-CONVERTIBLE BEARER EXCHANGE BONDS SERIES 04 ISSUED BY JSC TGK-1 (S.-Petersburg)*

AA-

AA-

BBB-

BBB-