Credit Ratings

BTA is rated by int'l rating agencies: Moody's, Fitch Ratings, which have issued the following credit ratings.

	2013	2012	2011	2010	2009	2008	2007	2006	2005
Long-term issuer default rating (foreign currency)	CCC	RD	C	B-	RD	BB	BB+	BB+	BB+
Outlook	RW POS			Stable		Neg.	Neg.	Pos.	Stable
Long-term issuer default rating (national currency)	CCC	RD	C	B-	RD	BB	BBB-	BBB-	BBB-
Outlook	CCC			Stable		Neg.	Neg.	Stable	Stable
Short-term issuer default rating (foreign currency)	C	RD	C	B	RD	B	B	B	B
Short-term issuer default rating (national currency)	C	RD	C	B	RD	B	F3	F3	F3
Individual rating	CCC	F	F	E	F	D	C/D	C/D	C/D
Support rating	RW POS	5	5	5	5	3	3	3	3
Support floor rating	NF	NF	C	NF	NF	BB	BB+	BB+
Senior unsecured securities' rating	CCC	C	C	B-	C	BB	BB+	BB+	BB+

	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Long-term deposit obligation rating (foreign currency)	Caa1	Caa2	Caa2	Caa3	Caa3	Ba1	Ba1	Ba1	Ba1	Ba1	Ba1	Ba1	Ba3	B2	B2	B2
Short-term deposit obligation rating (foreign currency)	NP	NP	NP	NP	NP	NP	NP	NP	NP	NP	NP	NP	NP	NP	NP	NP
Long-term deposit obligation rating (national currency)	Caa1	Caa2	Caa2	Caa3	Caa3	Ba1	Ba1
Short-term deposit obligation rating (national currency)	NP	NP	NP	NP	NP	NP	NP
Outlook	Dev.	Dev.	Dev.	RUR	RUR	Stable	Stable	Stable	Pos.	Pos.	Stable	Stable	Pos.	Pos.	Stable	Stable
Bank Financial Strength rating	E	E	E	E	E	D-	D-	D-	D-	D-	D-	D-	D-	E+	E+	E+
Outlook	Stable	Stable	Stable	RUR	Stable	Neg.	Neg.	Stable	Stable	Stable	Stable	Stable	Stable	Stable	Stable	Stable

* Neg.-Negative
Pos.-Positive
RUR - Rating Under Review
Dev. -Developing