... According to the Bank of Russia, average rates on ruble deposits from the top 10 banks in April 2025 were about 18-19% per annum. For instance, deposits for 6-12 months yield approximately 19.3% annually. Advantages: Deposits are simple and reliable, with income guaranteed by the bank and insured by the Deposit Insurance Agency (up to 1.4 million rubles). They provide fixed profits that are understandable even to beginners. Disadvantages: The real return is low—barely exceeding the inflation rate (around ...

... learn about the latest Sber results and prospects for growth. Financial Results of Sberbank for 1H2025: Net Profit Growth and High Profitability Russia's largest bank, Sber (Public Joint Stock Company Sberbank), has released its interim consolidated income statement in accordance with IFRS for the first half of 2025. According to the published data, the bank's net profit amounted to 859 billion rubles, a 5.3% increase compared to the previous year, with a return on equity (ROE) of 23.7%. For investors ...

... penalties and the loss of some accrued interest. However, inflation and the dynamics of the key rate set by the Bank of Russia impact real yields—historically, the purchasing power of ruble deposits has declined. For instance, over the last decade, real income for deposit holders has decreased by almost 18%. Taxation. Starting in 2024, interest on deposits is subject to personal income tax (PIT) of 13% above a tax-exempt threshold. This threshold equals 1 million ₽ multiplied by the maximum key rate ...

... sharp improvement in financial results, nearing breakeven. Revenue grew moderately—approximately 4–5% year-on-year—reaching 3.05 trillion rubles in H1 2025. Significant changes were observed in the profit and loss structure: the company's other income surged to 982 billion rubles, while other expenses climbed to 1.27 trillion rubles. Nonetheless, despite maintaining high volatility in revenues and expenditures, Gazprom managed to nearly fully offset losses through operational improvements and ...

... investors do not chase quick profits, instead preferring to invest in long-term projects. This is primarily due to the safety and minimal risk involved. Projects that promise outrageous quick profits are often just hype. As a result, instead of generating income, individuals end up losing their invested funds. Many professional investors do not chase quick profits, but instead prefer to invest in long-term projects. This preference is primarily driven by the desire for security and minimal risk. Projects ...