Supplemental Information

International standards

Orient Express Bank financial statements are audited in accordance with International Financial Reporting Standards by "Moore Stephens" Independent Auditors since 2006. Such control ensures the Bank's transparency for foreign investors.

Facts

Russian Rating Agency "RusRating" assigned an individual credit rating of BB to Orient Express Bank with outlook stable.

According to rating lists composed by RBC at present Orient Express Bank ranks among the 100 largest banks of Russia in terms of profitability and total assets. As of July 1, 2009 Orient Express Bank's net assets amounted to 42, 818.62bln rubles (according to published financial statements). Moreover the Bank has entered once again in Top-10 Banks with the largest network in Russian Federation.

At 4th International Bank Forum "Russian Banks — 21th Century" Orient Express Bank was awarded with title "The Best Bank in the Russian Far East".

In 2006 Orient Bank was named the "Breakthrough of the Year" at the annual award set up by the Payment System "Zolotaya Korona".

Membership in professional organizations and payment systems

Orient Express Bank is a member of the Association of Regional Russian Banks and the Society for Worldwide Interbank Financial Telecommunication (SWIFT).

Orient Express Bank is:

Principal member of the Visa International payment system.
Member of Amur Chamber of Commerce and Industry.
Member of the deposit insurance system.
Member of the National Association of Stock Market Participants (NAUFOR), Derivatives Market section of the Moscow Interbank Currency Exchange.
Member of Russian Interbank Payment System "Zolotaya Korona"

Cooperation with investors

Orient Express Bank cooperates with such well-established international institutions, like EBRD (European Bank for Reconstruction and Development), Standard Bank Plc, Deutsche Bank.

At the financial markets Orient Express Bank entered several agreements in the following key projects:

In June 2007 Bank succeeded to attract Subordinated loan in amount of USD 43,000,000 that was arranged by Standard Bank Plc. These funds were used for further development of the Orient Express Bank's business.
In July 2007 Bank floated its Eurobonds in amount of RUB 5,400,000,000. Eurobonds were successfully paid back in July, 2009.
In October 2007 Orient Express Bank attracted one-year Syndicated loan in amount if 10,000,000 USD arranged by Standard Bank Plc, Closed Joint-Stock Company International Moscow Bank and WestLB AG, London Branch (as Original Lenders).
In December 2007 EBRD provided a loan of RUB 450,000,000 to Orient Express Bank to support the Bank's SME lending programs with longer tenors. Also in February 2008 the Bank got from EBRD loan in amount of RUB 400,000,000 with the purpose of financing the residential property for residents of the RF in Far-Eastern and East Siberian FD. This program allows Bank to make Mortgage Loans more reasonable for its clients.