... the Central Bank forecasts a speed-up in the growth of the loan portfolio: total crediting for the economy (companies + 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 should support economic growth and improve banks' asset quality by reducing the share of problematic loans. Monetary Policy Outlook The July reduction of the rate to 18%, according to most observers, is far from the last one this year. The management of the Bank of Russia has indicated that further decisions ...

... Increasing? Tech Giants Continue to Dominate Companies such as Apple, Microsoft, Alphabet, Amazon, and Nvidia are showing rapid capital growth, increasing their influence on the market. The development of artificial intelligence, cloud technologies, and digital services accelerates capital concentration in the tech sector. The Large Company Bubble Effect Since the 2008 crisis, the market share of the largest companies has been steadily increasing as investors have favored reliable assets. During the pandemic and in the subsequent years, capital has been massively directed toward tech and high-yield companies. Stock Indices Amplify the Influence of Giants Indices like the S&P 500 and Nasdaq are weighted by market capitalization....

... market. Why not view the luxury services market from a new perspective? The key is to remember that even the most promising asset requires careful analysis; otherwise, one might end up with nothing but festive Olivier salad instead of gold. New Year's ... ... evolution of the industry towards greater risk protection. Current changes reflect the globalization of the industry and its digital transformation, creating both opportunities and challenges.

... shares and options. Retail and FMCG: Major chains utilize funds for logistics development, opening new outlets, and implementing digital technologies. An example of a successful placement was the IPO of a retail leader that raised more than 10 billion rubles.... ... the company develops successfully. Portfolio Diversification: The emergence of new issuers allows investors to expand their assets across different sectors. Access to Innovative Projects: IPOs are often conducted by companies with innovative products ...

... investor holds shares for over three years, gains from their sale may be exempt from taxation, provided the purchase value of assets does not exceed 3 million rubles per year. Deferral of taxation on dividends. Some companies offer shareholders the option ... ... Reduced corporate income tax rates. For IT companies meeting certain criteria (such as having accreditation from the Ministry of Digital Development), the corporate income tax rate can be reduced to 3%. There are also exemptions for VAT and property tax. ...