This represents amore than 40percent growth ascompared to$195 mln asofJanuary1, 2007.

The breakdown ofthe portfolio isasfollows: 47percent for purchase ofhousing under construction, 53percent for thepurchase ofcompleted housing.

With commissioning ofmortgage crediting intheKazan and Podmoskovny branches theprogram functions in68regions ofRussia. Since the beginning of2006 theshare ofregional branches grew 2.5fold andcurrently constitutes 50percent.

By theend of2007Rosbank plans toincrease its mortgage portfolio to$340 mln.