B.I.N.BANK's retail deposit base has remained unaffected by the world financial turmoil

According to financial data of the Bank as of December 31, 2008 retail time deposits amounted to RUB 25.5 bln. and exceeded the pre-crisis level of RUB 24.5 bln. (as of September 2008). We consider this fact as demonstration of the customers’ confidence towards the Bank notwithstanding any negative events in financial and economic sectors of Russia.

Historically B.I.N.BANK pays special attention to its retail customers and gradually improves its services by new products and competitive rates. Thus, the retail product line is adapted for different social groups of customers and enables the Bank to maintain the permanent inflow of deposit funds. Rating agencies and financial analysts recognize B.I.N.BANK’s funding base as stable and diversified due to high proportion of retail deposits comprising about 50% of total liabilities. Notwithstanding the market tension in October 2008 (when most Russian banks faced the maximum run of retail deposits), B.I.N.BANK managed to adjust the situation and even increased the deposit base. According to business magazine “Profile” as of November 1, 2008 B.I.N.BANK was ranked 19 ^th in TOP-30 Russian banks in retail deposits.

Latest News ORGRESBANK has summarized results of the first half year of 2009 B&N Bank has improved its loan book quality Regulation of the Russian Government dated June 23, 2009 ¹ 854-r Alfa-Bank 2008 Annual Report On Approving Ernst and Young Vneshaudit as Auditor of Vnesheconombank's Annual Financial Statements for 2009 B&N Bank has issued IFRS Consolidated Financial Statements for the year ended 31 December 2008 TransCreditBank Presents Its Financial Statements BNP Paribas Group: Results as at 31 March 2009 According to RAS profit of B&N Bank in 1Q2009 amounted to RUB 142 mln. TransCreditBank Group Produced its 2008 IFRS Accounts

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