... increase in costs was partially driven by inflationary pressures (salary indexing and other items) as well as significant bank investments in IT infrastructure and the development of digital services. Nevertheless, the rise in expenses slightly outpaced ... ... operational profitability even in challenging macroeconomic conditions. Asset Quality and Reserve Expenses The quality of the loan portfolio remains relatively high, but the bank has exercised caution in risk assessment amidst external economic challenges. ...

... repeat itself, the market could face significant corrections in the coming years, especially if macroeconomic conditions deteriorate. What Should Investors Do? Given the historical data and the current situation, investors should consider: Reassessing Portfolio Composition – reducing exposure to overvalued stocks and adding defensive assets. Diversifying Investments – looking into international markets and alternative asset classes. Monitoring Federal Reserve Actions – possible monetary policy changes may impact the market. Avoiding Excessive Risk – history indicates that periods of high overvaluation ...

... public-private partnership projects and partial redistributions of previously acquired foreign assets. The dynamic segments of the economy — IT, retail, and consumer sectors — may act as catalysts for activity. In 2025, investors will increasingly focus on portfolio diversification and long-term strategies, prioritizing preferred investment directions. Expected stabilization of rates and a softening of sanctions pressure could only partially revive the M&A market by the end of the year; however, the number of transactions is unlikely to return to pre-crisis levels. The Russian ...

... conglomerate published strong financial results reflecting the resilience of its diversified business. Berkshire's operating profit in Q2 reached record levels, largely due to high returns from its insurance business and growth in interest income from its vast investment portfolio. The GEICO insurance unit returned to profitability amid rising rates and reduced losses, while the holding's manufacturing and energy companies demonstrated stable revenue growth. Additionally, Berkshire’s investment income received a boost ...

... implies that stock prices may undergo significant fluctuations, diminishing the attractiveness of these assets for long-term investments. Need for market diversification: The decrease in demand in India compels ALROSA to search for new markets, which ... ... opportunity, but its execution will require time and resources. I advise investors to consider these risks carefully and explore portfolio diversification, taking into account the current geopolitical and economic realities."