... stands to gain indirectly. As incomes rise, bank account balances and deposits tend to grow, and demand increases for loans (mortgages, consumer credit) and financial services. Banks can benefit from both higher fee income and potentially lower credit ... ... not a direct driver for the bond market, but the accompanying macro conditions (inflation and central bank policy) are key. In 2025, when nominal incomes are climbing at a record pace, inflation is still elevated – the Bank of Russia is keeping its key interest rate high. Yields on government bonds (OFZ) remain attractive under such circumstances. Investors ...

What is the Central Bank's key rate and how does it affect our daily lives? In simple terms, we will explain why the Central Bank sets the key rate, how it helps ... ... felt in everyday life. Here is how it affects the financial aspects we face: Loans and mortgages. When the key rate rises, banks raise rates on mortgages and consumer loans... ... Bank reviews the key rate regularly, depending on the current economic situation. In Russia, such meetings are usually held several times a year, but in conditions of economic...

On July 22, 2025, a significant date in the economic world, several key events are expected that may impact the stock market.... ... increase or decrease in sales will indicate whether the repair boom continues or if high mortgage rates are cooling the market. PulteGroup (PHM) and D.R. Horton (DHI) – the... ..., so there are no significant releases scheduled for July 22. However, investors in Russia are paying attention to corporate news that may emerge later in the week: Financial...

..., intensifying inflationary pressure. Increase in the key rate by the Central Bank. To combat inflation, the Central Bank of Russia has raised the key rate to 13%, making loans more expensive to reduce consumer demand and stabilize prices. How Inflation ... ... challenging for fixed-income families, such as retirees or those whose salaries are not indexed. Increased borrowing costs: In inflationary conditions, central banks often raise interest rates. This makes loans and mortgages more expensive, affecting family budgets. Decreased savings: Savings in bank accounts lose value if the interest rate ...

... financial stability of banks, their profitability and attractiveness to investors? In this article, we analyze the causes and consequences of the current situation, forecasts... ... high key rate. High Stakes and Revoked Licenses: What Awaits the Banking Sector in Russia? The banking services sector in Russia is currently under close scrutiny, with... ... lending volumes, limiting their growth potential. Meanwhile, demand for loans, especially mortgages, will decline, which will also hurt the banking sector. Risks for Depositors:...