Average Rates on Short-term Loans (in foreign currency) Extended by Russian Credit Institutions in 2009

% p. a.

	US Dollars		Euro
	Individuals	Non-financial organisations	Individuals	Non-financial organisations
January	15.4	10.0	14.5	11.6
February	14.4	11.0	13.9	13.5
March	16.4	11.1	15.1	11.9
April	15.1	11.0	14.7	7.0
May	14.9	9.8	14.0	11.8
June	15.4	9.5	14.3	10.9
July	14.6	10.2	13.7	11.5
August	14.5	10.4	17.2	12.7
September	15.9	9.5	13.0	12.2
October	14.6	9.6	16.3	10.6
November	13.7	9.4	16.5	9.1
December	14.7	9.0	15.6	11.0

Updated February 17, 2010.