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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Last updated on: 14.02.2020