03.10.2008 /Auto loans ORGRESBANK offers motorcycle loans - Interest rate varies depending on loan tenor. For ruble loans, it is set at 14-14.5% per year, for loans in foreign currency – 11–11.5% per year. Minimal down payment amounts to 15% out of cost for a motorcycle.

03.10.2008 /Technology “UkrSibbank” Private Banking Loyalty Program Running for 3 Years in the Market - Loyalty program keeps on developing on a monthly basis involving new partners, the services of which are of elite status and live up to expectations of Private Banking clients. The number of subscription requests we get from our clients testifies the program is of high demand and interesting for the clients.

03.10.2008 /Technology Alfa-Bank Expands Distance Banking - Clients using Alfa-Bank's Internet Bank will now be able to receive detailed on-line information on investments in Unit Investment Trusts under the Alfa-Capital managing company, as well as the client’s unit liquidity, unit value and number of units.

03.10.2008 /Financial Statements VTB Bank publishes its RAS unconsolidated financial results for September 2008 - Over the first three quarters of 2008, the Bank’s assets have risen 32 per cent to RUR 1,984 bln. from RUR 1,507 bln. These figures reflect the dynamic growth of customer loan portfolio, which has gained 39 per cent over the first nine months of 2008. Since the beginning of the year, the total volume of customer accounts and customer deposits have grown 59 per cent.