8 july 2005 According to the magazine “Expert” No. 11 from 21-27 March 2005, Uniastrum Bank consolidated its rating position, taking 8th place in the “Top-30 banks with leading capital stock behaviour in 2004” and 11th in the “Top-30 banks with leading asset behaviour in 2004”, confirming the bank’s stable position in the banking sector. In 2004 Uniastrum Bank entered, for the first time, into the “Largest banks of Moscow and Moscow Region (assets from 6 to 20 billion roubles)” rating, immediately occupying a position in the third group relative to financial stability. Over the past year the bank has consolidated its position, occupying 118th place in a rating of “200 largest banks in Russia by size of assets”. In 2004 Uniastrum Bank increased its net assets from 2,7 to 6,6 billion roubles (without accounting for inter-branch payments). Such considerable growth- more than 140% was attainable, first and foremost, on account of an expanding client base, introduction of new deposit products and developing programs for consumer credit. A stable tendency for growth of stock capital is also testament to dynamic development of the bank. Over the last year, stock capital of Uniastrum Bank increased from 0,4 to1,1 billion roubles. To sum up for 2004, its worth noting a considerable increase in all fundamental financial indicators of the Bank’s activity, among them balance profits, the growth of which, over the last year comprised more than 300%.