04.12.2006 /Home mortgage Alfa-Bank increases maximum mortgage loan up to $500,000 - Building its presence on the mortgage market, Alfa-Bank has increased the maximum mortgage loan up to $500,000 to buy a flat in the secondary market. The first installment should be atleast 20% of the flat's value, from 350,000 to 500,000 US dollars (or its RF ruble equivalent).

19.01.2007 /Home mortgage Ilya Zibareff, Head of Mortgages at Alfa-Bank, among other international experts addressed the Successful Development of the Mortgage Market in Russia and Central & Eastern Europe - Ilya Zibareff, the Head ofAlfa-Bank's Mortgages Division, spoke onthe dynamic and competitive mortgage market in Russia at the "2nd Annual Achieving Efficiency in CEE Mortgage Business" conference in Vienna, January 18-19, 2007.

02.03.2007 /Home mortgage Russian retail lending grew 91% in 2006 — Alfa-Bank - According to an Alfa-Bank analysis entitled “Mortgage growth as an accelerator of retail lending”, the Russian retail lending market grew 91% in 2006 to $78.4 bln, equal to 8% of GDP.

03.03.2007 /Home mortgage MBRD – Robust Growth in Mortgage Market - y 2006 results Moscow Bank for Reconstruction and Development was second in its growth rates of mortgage origination among Russian banks according to RBC rating agency survey (as of 1 January, 2007).

14.03.2007 /Home mortgage Mortgage became even more available - SLAVINVESTBANK introduced new conditions of mortgage lending.

15.03.2007 /Home mortgage Bank Electronika Steps Up Work in the Mortgage Market - Bank Electronika completed the latest refinancing of three real estate loans totaling approximately 4.8 million rubles.

19.03.2007 /Home mortgage Average period of project finance is from 7 to 9 years - Nowadays real estate, technology projects, merger & acquisition markets are fast-pacing.

23.03.2007 /Home mortgage Star Hour: new conditions of the mortgage loan offered by "UkrSibbank" - "UkrSibbank" introduced a new product "Family mortgage. Star Hour" to the mortgage market. New promotional campaign dedicated to this event has also been launched on March 15 all over Ukraine.

24.03.2007 /Home mortgage "UkrSibbank's" share on the mortgage market made up 18.8% - This figure has confirmed the Bank’s leadership on the mortgage market, which is far beyond that of the other commercial banks.

06.04.2007 /Home mortgage New mortgage programs of AK BARS Bank in the New Year - New mortgage programs like "AK BARS - New home", "AK BARS – Comfort", "AK BARS – Prospects" are popular indeed among bank's clients.

11.04.2007 /Home mortgage 60% of commercial construction projects financed by “UkrSibbank” are being built on the leased land - The level of contracting organization or group is of paramount importance. It means a lot if such entity has a positive history of implementing similar projects.

14.04.2007 /Home mortgage A new mortgage program was launched by SlavinvestBank in 2007 - The interest rates on the loans within the program have been minimized due to the Bank’s implementation of the most innovative forms of financing.

15.05.2007 /Home mortgage Real estate segment of project finance market is of high demand - Prices have skyrocketed for the last five years. As per estimates of the experts, as of today the demand is one and a half time higher than the offer.

19.05.2007 /Home mortgage 2006 was the year to extend periods of loans for SME - "UkrSibbank" launched this process as early as in 2004 to 2005 by implementing long-term crediting to purchase real estate and considerably extending periods for all other loans on mortgage.

06.06.2007 /Home mortgage BSGV has decreased considerably the rates and improved the conditions on mortgage loans - Pursuing the strategic policy of mortgage development, BSGV offers new conditions to its clients. New mortgage rates at BSGV are now from 9,25% for US dollar loans and from 10,5% for ruble loans, depending on loan amount.

26.06.2007 /Home mortgage The Bank Saint Petersburg opened a Mortgage Center - Now, having come to the Mortgage Center, the Client can get consulting, choose suitable credit terms, sign documents and take a loan to buy an accommodation by the principle "one window".

04.07.2007 /Home mortgage Housing at 12% in UAH: fruitful partnership of the State Mortgage Institution and "UkrSibbank" - "UkrSibbank" and State Mortgage Institution (SMI) signed supplement agreement on partnership allowing to execute refinancing loan or mortgage loan under top-favorable conditions.

07.07.2007 /Home mortgage Real Estate Agency MIAN and SDM-BANK offer new favorable terms for mortgage - A new joint program of Real Estate Agency MIAN and SDM-BANK was alled "Mortgage without savings – all inclusive". Bonuses and favorable terms offered by the program make the receiving of a loan for apartment purchase easier and will save the customer’s time and money.

16.07.2007 /Home mortgage Mortgage loan portfolio of Rosbank increased by more than 40% - New home loans contribute 47% of the total portfolio, while regular mortgages make 53%.

28.07.2007 /Home mortgage "SlavinvestBank" participated in the 10th National Real Estate Congress - Within the framework of the Congress the Bank acted as sponsor of "Professional recognition – 2007" Competition, and also presented "Credit module" high-technology system, that allows granting of mortgage loans within 2 days.

16.08.2007 /Home mortgage "SlavinvestBank" participated in the 10th National Real Estate Congress - The Bank acted as sponsor of "Professional recognition – 2007" Competition, and also presented "Credit module" high-technology system, that allows granting of mortgage loans within 2 days.

22.08.2007 /Home mortgage VTB Comment on Exposure to US Mortgage Market - Nikolai Tsekhomsky has made the following statement: "VTB Group has no significant exposure to US sub-prime ABS or any CDO exposure in its investment or trading securities portfolios. There is no impact on the quality of our assets from US mortgage based securities".

22.08.2007 /Home mortgage MBRD's New Mortgage Programs - These programs are oriented at clients interested in primary or secondary real estate market. The mortgage loan is granted in US dollars for a tenor up to 30 years and with 9% p.a. interest rate.

13.09.2007 /Home mortgage MBRD – New Counterparties in Mortgage Programs - For those who want to apply for a mortgage loan to purchase PIK-Region's apartments – the Bank is ready to offer special terms, including prepayment without moratorium.

13.09.2007 /Home mortgage MBRD – TOP 15 of Mortgage Banks - According to the recent RBC Agency’s research Moscow Bank for Reconstruction and Development has become one of the best Russian mortgage banks. The results of the first six months of 2007 show that the Banks was rated 13th on the mortgage portfolio originated and 10th on quantity of deals.