... shareholders. Net interest income: RUB 20.8 billion, an increase of 18.6% compared to the previous year. BCS Express Significance and impact: Net interest income is the difference between interest income (e.g. from lending) and interest expenses (e.g. from deposits). The growth of this indicator indicates an increase in the efficiency of the bank's core business and the ability to attract and place funds profitably. Net fee and commission income: RUB 13 billion, an increase of 56% year-on-year. BCS Express ...

... funds. Over the past year, following the onset of the pandemic, the number of individual investors in Russia has significantly increased as people found themselves with more free time during self-isolation and as a result of the record decline in deposit rates. In 2020 alone, 5 million brokerage accounts were opened on the Moscow Exchange. However, experts advise novice investors against ‘playing’ with speculation and recommend focusing on reliable long-term investments. That said, we will ...

... trading operations. Mergers and Acquisitions: Despite economic challenges, banks managed to benefit from M&A deals, particularly evident in Goldman Sachs' reporting. Retail Sector Resilience: Retail banking showed stability due to demand for loans and deposit products. Outlook for the Banking Sector The results from the largest U.S. banks illustrate their adaptability to shifting economic conditions and their ability to capitalize on market volatility. However, experts note that key challenges will ...

... which fosters trust among investors and clients. Challenges and Risks of Going Public Despite the appeal of an IPO, developers face several difficulties. In a high key rate environment, investors tend to prefer stable and profitable assets such as bank deposits. This means that developers will likely have to offer shares at a significant discount to attract potential market participants. Moreover, investors demand transparency and high liquidity. Many construction companies, particularly those of medium ...

... security and the restoration of the country’s territorial integrity. It is expected that the Ukrainian side will propose revisions to certain terms of the contract to safeguard national interests. There is also the factor of territorial risks. Many key deposits of oil, gas, and rare earth metals are located in combat zones or temporarily occupied territories. This makes their extraction and exploitation impossible without a complete resolution of the conflict. Prospects and Next Steps Negotiations between ...