Record rates, revoked licenses and reduced profits — the Russian banking sector is going through a period of significant changes. The Central Bank is tightening control, revoking licenses from banks, and leading players are increasing deposit rates to a record 24%. How will these measures affect the financial stability of banks, their profitability and attractiveness to investors? In this article, we analyze the causes and consequences of the current situation, forecasts for the banking sector ...

... deposits, they provide fixed income and allow for profit even in unstable economic conditions. Government Bonds (OFZ): A reliable instrument for those seeking stable investments. Government bonds have low risk, and their returns are often higher than bank deposits, especially in times of high key interest rates. Corporate Bonds: Suitable for investors willing to accept a small amount of risk. Corporate bonds from reputable companies, such as Gazprom or Rosneft, can offer high yields, provided the issuer is thoroughly analyzed. Advantages: Fixed returns ...

... currency pair. When placing funds in a deposit, specific knowledge and skills are unnecessary. The investor entrusts their money to a financial institution that manages it at its discretion, while the investor knows precisely what income to expect upon the deposit's maturity. On the Forex exchange, it is impossible to pre-calculate profits. Income levels can fluctuate and are dependent on market conditions and currency rates. Who Should Consider Currency Investment Investing in pounds sterling is advisable in the following situations: A sufficient amount of liquid funds. Forex trading requires a reserve, due to market fluctuations and periodic declines. In contrast,...

... insolvency every month. The least risk is associated with investments in state banks. However, such institutions offer minimal interest rates. As a result, the investor's capital grows insignificantly, and with a significant increase in the dollar's exchange rate, one may even incur losses. When dealing with a large sum, placing it in a deposit poses the risk of losing everything. However, visiting multiple banks to invest smaller amounts is also quite inconvenient. This consumes time and creates anxiety, especially when yet another financial structure collapses. Additionally, banks ...

... and potentially attract capital into various sectors of the economy. Ruble Deposits. The persistence of high rates currently makes ruble deposits attractive for those seeking a hedge against inflation, but further deceleration in inflation may lower deposit interest rates, increasing demand for alternative investments. For Russian investors, a decline in inflation signals the onset of potential economic stabilization. The deceleration of inflation opens up new opportunities for both short-term and long-term investments....