... decisions. A decline in satisfaction and trust towards the company within the workplace could lead to demotivation and loss of valuable specialists, particularly in the engineering and manufacturing sectors, which are vital for the success of the automotive business. Strategic Challenge: Transition to Electrification The shift towards electric vehicles and digital technologies also necessitates significant investments. In recent years, Volkswagen has been banking on electrification and has announced ambitious plans, including a transition to full electric vehicle production. However, advancing these projects ...

... billion rubles, representing a 14-15% year-on-year increase. This increase in costs was partially driven by inflationary pressures (salary indexing and other items) as well as significant bank investments in IT infrastructure and the development of digital services. Nevertheless, the rise in expenses slightly outpaced income growth, enabling the cost-to-income ratio to remain around 33%. Investors view this level of expense control positively, as Sber maintains one of the best business cost structures in the sector, ensuring high operational profitability even in challenging macroeconomic conditions. Asset Quality and Reserve Expenses The quality of the loan portfolio remains relatively high, but the bank has exercised caution ...

... sensitivity to price fluctuations. Nevertheless, from a long-term sustainability perspective, the combination of mining and HPC business may lower risks and smooth revenue cyclicality. Crucially, even as it diversifies, Riot is not exiting mining entirely ... ... For example, Hut 8 Mining and US Bitcoin Corp announced a merger, aiming to synergize resources and reduce mining costs. Hive Digital Technologies (formerly Hive Blockchain) previously redirected its GPU farms to cloud computing, mining other PoW coins,...

... soon allow bank clients to purchase cryptocurrencies directly. These steps illustrate how traditional banks are integrating digital assets into their infrastructure. PayPal : The payment giant is introducing cryptocurrencies into online transactions.... ... cryptocurrencies with instant conversion to fiat via the PYUSD stablecoin. This initiative simplifies global trade and encourages businesses to more actively utilize crypto payments. Other Industries : Crypto initiatives are also impacting traditional businesses ...

... growth in 2025 has been adjusted to 9–12% (previously 8–13%). Although companies are borrowing more actively than households, business credit activity has also decreased compared to last year. Mortgage lending, which has been a driver of the credit market ... ... households) may rise by 8–13% annually, while mortgages could grow by 10–15% per year by 2028. The return of rates to single digits will make loans more accessible, stimulating consumer and investment activity. In the medium term, the revival of lending ...