01.08.2009 /Personal loans Rosbank became a partner of Saint-Petersburg lending assistance to SMEs Fund - Rosbank's northwest branch and Saint-Petersburg lending assistance to SMEs Fund signed a co-operation agreement. As part of the agreement Fund will act as a guarantor of SMEs with insufficient bid coverage.

01.08.2009 /Deposits Rosbank launched new retail deposit lines - The main goal of its implementation was to facilitate client's choice of savings products. The new line includes 5 types of deposit products satisfying main customer demands. They vary from 7.8% to 14.75%.

01.08.2009 /Operations Absolut Bank acts as one of MLAs in a Syndicate for MTS - According to a loan agreement signed, the company received a 3 year loan, which partially refinances a $1.33 billion loan raised in 2006. The new original syndicated loan is split between a $295 million Facility A and a 214.5 million euro Facility B.

01.08.2009 /Technology Rosbank develops Internet-Bank system's functionality - The new operation "Foreign currency transfer between the accounts of one client" was added to "Internet-Bank" system to simplify client’s operations.

01.08.2009 /Financial Statements B&N Bank has improved its loan book quality - B&N Bank's asset structure demonstrated positive trend by significant reduction of overdue indebtedness by RUB 1.1 bln. (-24%) due to repayments on corporate loans, with the overdue rate standing at 8.7% of the total loan portfolio as compared with 11,4% in May 2009.