... funds in reserve, ensuring stability in their operations amid any macroeconomic changes. Why is the Central Bank Introducing the Countercyclical Capital Buffer? Rising Credit Risk. In recent years, Russian banks have demonstrated high activity in the lending sector, which has increased the risks of overheating. Elevated levels of credit issuance can lead to the emergence of problem loans, especially if economic conditions change. Need for Capital Accumulation. The introduction of the countercyclical ...

... in Moscow decreased by 20% in 2024 compared to the previous year. A total of 137,000 real estate purchase agreements were registered in 2024. Reasons for the decline in sales: Completion of preferential mortgages and reduced accessibility of mortgage lending. Tightening of conditions for targeted programs, which also decreased housing availability for certain categories of citizens. Mortgage Lending: In 2024, mortgages accounted for 68% of transactions, down from 80% in 2023. This also indicates a ...

... Assessment criteria include asset size, market share, and the level of influence on other financial institutions. Why Is This Important? Banks included in the SICI list play a key role in the Russian economy, exerting a considerable impact on cash flows and lending. They provide systemic stability because a crisis involving these banks could lead to serious issues for the economy as a whole. What Additional Oversight Is Implemented for SICIs? Banks recognized as systemically important are required to adhere ...

The Russian economy is going through a difficult period. Domestic investors are reluctant to trust their funds to companies, while banking institutions are significantly reducing lending. As a result, the situation in the internal market is exacerbating. Companies are facing a severe shortage of financing. The Russian economy is currently experiencing a challenging period. Domestic investors are reluctant to entrust their funds ...

... funding from outside investors. Over time, investors recouped their investments and made significant profits, sometimes in the thousands of percent. However, one should approach this type of investment with caution. Loans. Through the internet, one can lend money to completely unfamiliar individuals in other countries or corners of the world. This can be done via payment systems like Webmoney or microfinance organizations, which attract capital from outside investors for subsequent lending. These are ...