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Don`t You Know That Bank ZENIT

in early June 2006, Bank ZENIT borrowed a syndicated loan of $135 million from 27 foreign banks representing over 10 countries. In detail…

Credit ratings

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Information on the credit ratings
assigned by Moody's Investors Service, Inc. to OJSC Bank ZENIT

Bank Financial
Strength Rating
Foreign Currency
Deposit Rating
Foreign Currency Senior Unsecured Debt Rating
New Rating/
Affirmed
Rating Outlook Rating Outlook Rating Outlook
2010, June D- Stable Ba3/NP Stable Ba3 Stable
2009, April D- Negative Ba3/NP Negative Ba3 Negative
2007, May D- Stable Ba3/NP Stable Ba3 Stable
2005, December Е+ Positive В1/NP Positive В1 Positive
2004, July - - В1/NP Stable - -
2003, December Е+ Stable В1/NP Stable В1 Stable
2003, May - - - - В2 Stable
2002, October Е+ Stable В2/NP Stable - -


Information on the credit ratings
assigned by Fitch Ratings to OJSC Bank ZENIT

Foreign Currency
Issuer Default Rating
Local Currency Long Term Issuer Default Rating Individual Rating Support Rating
New Rating/
Affirmed
Rating Outlook Rating Outlook Rating Rating
Short Term Long Term
2010, May B B+ Stable A- (rus) Stable D 5
2009, November B B+ Negative A- (rus) Negative D 5
2009, March B B+ Negative A- (rus) Negative D 5
2008, August B B+ Stable A- (rus) Stable D 5
2007, April B B Positive BBB+ (rus) Positive D 5
2006, August B B Stable BBB- (rus) Stable D 5
2005, December B B Stable BBB- (rus) Stable D 5
2005, February B B- Stable BBB-(rus) Stable D 5T
2004, February B B- Stable - - D 5T
2002, November B B- Stable - - D 4T
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