... taken, and what prospects it opens up for borrowers. What is a Family Mortgage and Why is it Popular? The family mortgage program is designed to support families with children by offering a reduced interest rate. The program significantly lowers monthly loan payments, making housing more affordable. In the context of rising interest rates, family mortgages are particularly attractive, as standard mortgage rates can be unaffordable for many borrowers. Why Have Major Banks Suspended Family Mortgage Issuance?...

OFZ bonds are a popular investment tool chosen by experienced market participants. The Ministry of Finance regularly conducts auctions, offering these securities. Who can participate in these auctions and what makes Federal Loan Bonds interesting? OFZs (Federal Loan Bonds) are a popular investment tool selected by experienced market participants. The Ministry of Finance regularly conducts auctions to issue these securities. But who can participate in these auctions, and ...

... level of expense control positively, as Sber maintains one of the best business cost structures in the sector, ensuring high 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. In 1H2025, Sber significantly increased provisions for loan impairment: total reserve expenses reached 335 billion rubles,...

... hashrate and mining difficulty in April) did not prompt Marathon to make any sales. Instead, like before, the company funds operational expenses and business development through external sources – stock sales in the market (ATM programs) or securing loans, thereby keeping its mined BTC intact t . This approach indicates Marathon's management's confidence in further price growth for bitcoin: they prefer to cover expenses through fiat financing, hoping that the retained coins will yield greater value ...

... our article, we will take a detailed look at the advantages and risks associated with the initial public offering of developers, what investors should pay attention to, and why the current economic realities make IPOs a relevant alternative to bank loans. Developers and IPO: An Alternative to Bank Financing In an environment of high key rates and rising project financing costs, Russian developers are increasingly considering the possibility of going public. Initial Public Offerings (IPOs) are ...