Granting terms of unsecured credits

Banks’ group Minimum international long-term credit rating Minimum long-term credit rating Maximum credit period
S&P, Fitch Moody’s RusRating Expert RA NRA AK&M
1 BBB- Baa3 n/a* n/a n/a n/a 1 year
2 BB- and the 1st, 2nd group ** Ba3 and the 1st, 2nd group ** n/a n/a n/a n/a 1 year
BB- Ba3 n/a n/a n/a n/a 6 months
3 B- B3 n/a n/a n/a n/a 3 months
4 n/a n/a BB and the 1st, 2nd group ** A and the 1st, 2nd group ** A and the 1st, 2nd group ** A and the 1st, 2nd group ** 5 weeks

* Not available.
** According to The Bank of Russia Ordinance No. 2005-U, dated back to 30.04.2008, “About banks’ economic position assessment”.

Updated February 3, 2010.

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