... profitability and capital preservation is crucial. This article outlines the main legal investment instruments available in Russia and abroad, highlighting their features and risks. We will examine key investment options (deposits, bonds, funds, P2P lending, cryptocurrencies, etc.), compare their liquidity and taxation, and conclude with examples of distributing 1 million rubles across various assets, depending on the risk level. Main Short-Term Instruments Short-term investments are aimed at a period ...

... and the sustainability of its business model. Loan portfolio: TBank: RUB 1.4 trillion (up 38% year-on-year) Total loan portfolio of TBank and Rosbank: RUB 2.7 trillion Importance and impact: An increase in the loan portfolio indicates an expansion of lending and customer confidence in the bank. This can also lead to an increase in interest income, which has a positive impact on overall profitability. Customer funds in accounts: TBank: RUB 2.5 trillion (almost doubling year-on-year) Total volume of ...

... blockchain ensure transparency and immutability of records, enhancing trust in digital transactions. Furthermore, the emergence of decentralized finance (DeFi) and non-fungible tokens (NFTs) has opened new areas of application for cryptocurrencies – from lending and insurance to art and gaming industries. Thus, the crypto industry has become a driver of innovation in the economy. Today, there are many cryptocurrencies – as of April 2025, their number counts in the thousands. However, the market is structured ...

... other major players in the U.S. banking sector—Bank of America (BAC) and Morgan Stanley (MS)—will unveil their results. Analysts anticipate: Bank of America (BAC): Potential profit growth driven by increased interest income and activity in mortgage lending. Steady growth in retail banking, even amid slowing economic activity. Morgan Stanley (MS): Attention will be focused on the asset management segment, traditionally a stronghold for the bank. Revenue growth from securities operations is expected ...

... at maintaining liquidity in conditions of economic instability. High energy resource prices. In 2024, Russia maintained export revenues due to stable oil and gas prices, leading to an increase in currency reserves and money supply. Growth in domestic lending. Banks became more active in lending to businesses and individuals, which increased the money volume in the economy. Inflation. Rising price levels in the economy also contributed to the growth of money supply as businesses and citizens adapted ...