Average Rates on Short-term Loans (in foreign currency) Extended by Russian Credit Institutions in 2010

% p. a.

	US Dollars		Euro
	Individuals	Non-financial organisations	Individuals	Non-financial organisations
January	16.0	8.5	13.1	10.7
February	15.3	8.4	14.0	7.6
March	14.3	7.9	14.3	5.6
April	12.5	8.5	14.3	8.2
May	13.0	6.5	13.2	2.4
June	13.5	7.6	13.0	9.7
July	12.4	6.8	12.9	9.2
August	13.0	6.8	13.2	9.4
September	12.1	7.2	12.6	9.8
October	13.1	6.1	14.7	5.9
November	10.6	6.0	12.7	8.7
December	10.7	6.2	12.5	7.7

Updated February 14, 2011.