10.11.2008 /Operations VTB Group actively finances key sectors of Russian economy - Since early September 2008, Russian banks of VTB Group have provided loans and credits worth RUR 377 billion to enterprises, including RUR 120 billion in September, RUR 229 billion in October and RUR 28 billion in the first week of November. More than RUR 20 billion were channeled to small and medium-size businesses.

10.11.2008 /Operations VTB Bank finances JSC AVTOVAZ - Under the loan agreements signed in late October by VTB and JSC AVTOVAZ, the Bank provided a RUR 4 billion facility to the carmaker for 12 months to finance the working capital of the enterprise.

10.11.2008 /Operations Memorandum of Understanding is signed between VTB and Venezuelan bank Bancoex - The Memorandum is designed to enhance partnership relations between VTB Bank and Bancoex in order to facilitate the banking servicing of the foreign trade between Russia and Venezuela. In particular, the Memorandum calls for further cooperation in financing trade operations and supporting joint investment projects.

10.11.2008 /Technology Platina Bank offers its clients rapid receipt of payments into accounts - Commercial Bank Platina started operating in the BESP system. It is the system of rapid electronic bank payments which works as a real time gross settlement system created by the Central Bank of the Russian Federation in order to speed up settlements in the Russian economy.

10.11.2008 /Bank's Ratings Independent rating agency RusRating has confirmed B.I.N.BANK's credit rating at the level of ÂÂ+ - In the agency's opinion, capital of the Bank is sufficient, external funding is reasonably well diversified and moderately solid in the medium term. Balance sheet measures of asset quality are rated favorably. Liquidity is judged healthy.