Interest Rates on Ruble-denominated Loans to Non-financial Organizations and Deposits of Individuals in 2012*(% p.a.)

	January	February	March	April	May	June	July	August	September	October	November	December
On Loans to Non-financial Organizations	9.2	9.3	9.8	9.6	10.0	10.1	10.0	10.0	9.7	10.1	10.3	10.4
On Deposits of Individuals	6.6	6.2	6.1	6.6	6.8	6.8	6.7	6.6	6.8	7.1	7.1	7.2
On Deposits of Individuals excluding Demand Deposits	7.6	7.2	7.0	7.7	7.9	8.0	7.8	7.7	7.8	8.1	8.2	8.4

* On Russian Credit Organizations’ operations for all terms up to 1 year, excluding Sberbank.

Updated January 28, 2013.