... and economic volatility; the management chose to build an additional safety buffer in advance. Despite the substantial provisions, the level of non-performing loans remains low and is fully covered by reserves – indicating a conservative approach to risk management. Increased provisioning temporarily restrains net profit; however, it simultaneously enhances the long-term stability of the balance sheet. Financial Stability and Tax Burden The financial stability of Sber during the reporting period remains high. Capital adequacy ratios significantly exceed regulatory requirements: the common equity tier-1 ratio (N1.1) exceeds 13%, while total capital ...

... in a product among the target audience. This is particularly valuable for startups developing new products, as a successful campaign validates demand and helps avoid costs associated with developing offerings that may not be popular. Minimization of Financial Risks Crowdfunding helps entrepreneurs avoid large loans or venture capital at early stages. This allows them to maintain control over their company and avoid debt obligations. Direct Contact with Consumers The campaign allows for direct interaction with ...

... stablecoins across Eurozone countries. MiCA introduces registration and disclosure requirements for crypto service providers, includes measures for consumer protection and anti-money laundering. The EU aims to strike a balance between innovation and risk control to ensure that cryptocurrencies are seamlessly integrated into the financial system. The first MiCA licenses are expected in 2024, but it is already clear that the European market is moving toward greater transparency and legitimacy in the industry. El Salvador : Continuing its crypto course, the authorities of El Salvador ...

... smoother than in previous years of volatile growth. At the same time, the rapid pace of industry development demands vigilance from all participants. Regulatory reforms open new opportunities, but it is essential to adhere to established rules and maintain financial discipline to minimize risks. In the upcoming months, the community's attention will be fixed on further steps by lawmakers and regulators in key markets — the USA, EU, and Asia, where new decisions regarding cryptocurrencies and possibly the approval of long-awaited ETFs ...

... measured approach. On one hand, the record capitalization confirms that cryptocurrencies have solidified their place in the global financial system — they are becoming increasingly difficult to ignore when diversifying portfolios. Many market participants,... ... market valuation necessitates caution: before entering positions at peak levels, it is important to objectively assess one's risk tolerance and investment horizons. In such conditions, experts recommend adhering to several key principles: Diversification ...