... client of this adjustment, which could result in an unpleasant surprise. If the interest rate decreases, the client's earnings will be less than anticipated. While there is a possibility that the bank may raise the rate, such instances are rare. Even in environments of rising deposit profitability, financial institutions are more likely to maintain the same rate rather than increase it. When concluding a deposit agreement, it is crucial to clarify the possibility of early withdrawal. In the face of significant ...

... and a solid reputation in the market. Preference should be given to funds that have been operational for decades. According to S.I. Tereshkin, a significant portion of funds should be directed toward companies in countries with a developed investment environment. It is crucial that the country’s legislation changes infrequently. Additionally, short-term and long-term investments should not be compared. They are entirely different tracks addressing various objectives. When choosing a strategy, investors ...

... reports, making it straightforward to assess their viability through an audit, which can be conducted independently if the necessary expertise is available. The situation is more complex with startups, where predicting future developments in today's environment is virtually impossible. Required Knowledge and Experience. It's crucial to have a solid understanding of the chosen industry, as well as knowledge in economics, logistics, and personnel management, to mitigate risks effectively. A knowledgeable ...

... will begin to liquidate their assets or merge with larger players. The decline in revenues may lead to the emergence of larger banking holdings capable of managing high interest rates and capital burdens. Decrease in Credit Activity: In a high-rate environment, banks will be unable to actively increase lending volumes, limiting their growth potential. Meanwhile, demand for loans, especially mortgages, will decline, which will also hurt the banking sector. Risks for Depositors: High deposit rates ...

... decline in consumer activity and rising prices are affecting companies operating in the retail and consumer services sectors. Consumer spending is declining, which negatively affects company revenues and limits their ability to expand. In the current environment, many businesses are reorienting themselves to more stable market segments in order to stabilize their revenues. Prospects and the role of business in supporting economic stability In the context of slowing GDP growth, Russian businesses must ...