... material exports with value-added products and boost import substitution in Russia, creating jobs and driving regional economic growth. How We Started Bond Trading We understood the process of entering the bond market would take time—typically 6 to ... ... the Company Group: Created a management company to issue bonds, with the entire group guaranteeing obligations. Obtained a Credit Rating: Received a RuB+ rating from Expert RA, a moderate rating but strong within the oil trading sector. Conducted Audits: ...

... Asian markets, such as India and the Philippines. The Swiss market is also worthy of consideration, as it shows stable income growth. Swiss companies have a low dependence on the European economy and the global political landscape, making it an excellent ... ... anticipated. Positive dynamics are contributing to the increased yields of government securities. With government support for credit markets, the risk of default is significantly reduced. The key is for central banks to choose the right strategy rather ...

... High Key Rate The Central Bank's high key rate, set to curb inflation, temporarily boosts the profitability of banking operations. However, this phenomenon may be short-lived, as perennial high rates can negatively affect lending and slow down economic growth in the country. For banks, this means increased credit risks, as high rates may hinder some clients from meeting their debt obligations. The Future of the Banking Sector: Consolidation or New Challenges? Experts suggest that in the coming months, some banks may face additional challenges. Some may ...

... and responsibilities of the parties, the deposit term, interest rate, and other parameters. Special attention should be given to the clause regarding capitalization, which may occur daily, weekly, monthly, biannually, etc. In most cases, interest is credited once a month. However, one can occasionally find more favorable conditions, such as daily interest accrual. But this is more of an exception than a rule. Daily accrual facilitates rapid capital growth, leading domestic banks to often avoid such schemes. Even those that operate using this system may seek to make it as beneficial as possible for themselves. To achieve this, financial institutions intentionally lower the deposit interest rate. ...

... instability, is raising the key interest rate, making loans more expensive for the population. As many Russians purchase vehicles on credit, the increased cost of borrowing leads to a decline in the number of transactions. Fluctuations in the ruble exchange rate.... ... imported parts remains high, this leads to an increase in the production cost of vehicles. Low income levels. In recent years, the growth of the population's income has been weak, and amid inflation, consumers are approaching large purchases more cautiously....