BIG's first credit rating by Moody's


International rating agency Moody´s Investors Service (Moody's) today assigned
the first credit rating to Balti Investeeringute Grupi Pank AS (BIG). 

Financial strength rating of E+ was assigned to BIG, which translates into      
credit rating B1. Rating outlook is stable.                                     

BIG appreciates rating by Moody's, taking into consideration the relatively 
small size of the company in European financial markets and the current
economic environment of the Baltic states. Rating gives BIG an advantage in
attracting funding from international markets. 

Moody's has positively noted the good earnings generation power, adequate       
capital base, operational effectiveness and credit risk diversification of BIG. 
Focus on small consumer finance sector and risks caused by fast growth and      
relative smallness of the company, were listed as potential weaknesses of the   
company.                                                                        

BIG is one of the largest banks in the Baltic states, specializing in loans for 
retail customers and is the leader in Estonian small loans sector. BIG has      
currently nearly 400 employees in the three Baltic states. The company´s loan   
portfolio reached over 1,6 billion kroons by the end of first half of 2007.     
BIG´s bonds are listed on Tallinn and Stockholm stock exchange.                 


Additional information:                                                         

Piret Raudsepp                                                                  
CFO                                                             
Tel: +372 735 0923