12.11.2008 /Operations Vnesheconombank Disburses Second Tranche of Subordinated Loan Facility worth 100 Billion Rubles to OJSC Bank VTB - Term of up to the end of 2019 at a loan interest rate of 8% per annum. The amount of the credit is 200 billion rubles. OJSC Bank VTB obtained the first tranche of the credit at the end of October 2008.

12.11.2008 /Financial Statements B.I.N.BANK has issued the Interim IAS Financial Statements - According to the balance sheet as of September 30, 2008 the total assets increased up to RUB 66,9 bn. from RUB 64,3 bn. as of December 31, 2007. Loans to customers increased by 9% and comprised RUB 42,3 bn. versus RUB 38,7 bn. as of December 31, 2007. Customer accounts make RUB 47,9 bn. and demonstrate stable funding base which virtually remains unaffected by the financial turmoil.