Issue information:

• Issuer, issue number:	VTB 24, 3
• Income calculation:	Date of trades Price %
• Type of bond:	Domestic bonds
• Issue status:	outstanding
• Offering:	public
• Par, currency of issue:	RUR, 1000
• Amount:	6 000 000 000
• Registration date:	Dec 14 2007
• State registration number:	40301623В
• ISIN:	RU000A0JPSP3
• Start of placement:	Jun 04 2008
• End of placement:	Jun 04 2008
• Date of circulation start:	Jul 16 2008
• Issue price:	100
• Coupon:	1-2 coupons - 8.18%; 3-10: according to issue documents
• Coupon frequency:	2 time(s) per year
• Settlement date:	Jun 04 2008
• Maturity date:	May 29 2013
• Early redemption terms:	1 years, date: 09.06.09, price: 100.
• Arrangers:	VTB 24
• Trading floor, listing category:	MICEX
• Investment banks:	Lead manager:  VTB Co-lead manager(s):  Dresdner Kleinwort Russia ING Bank Eurasia Underwriter(s):  Kapital IG Standard Bank Moscow  FK URALSIB Co-underwriter(s):  The Royal Bank of Scotland ZAO  Petrocommerce Bank  NOVIKOMBANK  Alfa Bank  Bank Saint Petersburg  Promsvyazbank  Raiffeisen Bank  OTKRITIE Financial Corporation Placement participant: JPMorgan

Borrower:

• Issuer:	VTB 24
• List of affiliated companies:	VTB, VTB-Leasing, VTB Bank Europe, VTB Bank France (BCEN-Eurobank), VTB Bank Austria (Donau), VTB Bank Ukraine, VTB Bank Deutschland (Ost-West Handelsbank), ВТБ (Armenia), VTB Bank Georgia, VTB-Leasing Finance
• Full issuer name:	VTB 24
• Country:	Russia
• Web site:	http://www.vtb24.ru/about/
•Other issues of the issuer (including related companies issues):	VTB 24, 2 - Domestic bonds  VTB 24, 4 - Domestic bonds  VTB 24, 1 - Domestic bonds  VTB 24, 2009 (LPN, FRN) - Eurobonds
• Issuer profile:	VTB 24 offers a wide range of banking services for individuals, including multipurpose lending, deposit safekeeping, bank card issuance and carrying out of money transfers. ...
• Industry:	Banks and financial institutions
Issuer ratings: » rating history Standard&Poor's BBB+/Negative Int. Scale (foreign curr.) 10/24/2008 Standard&Poor's BBB+/Negative Int. Scale (loc. curr.) 10/24/2008 Standard&Poor's ruAAA National Scale (Russia) 10/24/2008 Moody's Baa1/Positive Int. Scale (foreign curr) 07/18/2008 Moody's A1/Stable Int. Scale (loc. curr.) 05/04/2007 Fitch Ratings AAA(rus)/Stable National Scale (Russia) 11/10/2008 Fitch Ratings BBB+/Negative Int. Scale (foreign curr.) 11/10/2008 Moody's Interfax Rating Agency Aaa.ru National Scale (Russia) 05/04/2007 Rus-Rating BBB-/Stable National scale (Russia) 07/31/2007
Complete profile

Financial accounting:

Quarterly FFMS Reports:

Trading info (MICEX, Nov 19 2008):

Payment schedule: