Credits Extended to Individuals and Individual Entrepreneurs

thousands RUR.

Date	Rubles				Foreign currency
	Individuals, total	Including:		Individual Entrepreneurs	Individuals, total	Including:		Individual Entrepreneurs
		Housing loans	of which: mortgage loans			Housing loans	of which: mortgage loans
January 2006	2,728,639	507,698	139,697	456,180	99,742	81,229	71,367	—
January 2006	3,356,876	765,719	335,313	516,368	171,586	134,375	121,321	0