... for sustainable business growth. Fintech in Russia: what is it and company examples What is fintech? Fintech (financial technology) is an industry that combines advanced technologies and financial services to create new, convenient solutions in the financial sector. Fintech companies develop and implement innovations that make fast transfers, access to investments and loans, online insurance and other financial products possible without traditional bank intermediation. The main areas of fintech include payment ...

... when selecting companies for investment. Government Support: In some cases, the government provides support to specific sectors of the economy, which can positively influence companies in those industries. For example, the energy, agriculture, and IT sectors are often supported by government subsidies and grants. 5. Current Assessment of the Company: Multipliers and Analytics To assess stock value, investors often utilize financial multipliers, such as: P/E (Price to Earnings): The ratio of the market price of a stock to its earnings per share. A high P/E can indicate overvaluation, while a low P/E may suggest potential undervaluation. P/B (Price to Book): Shows the ratio ...

... Businesses? Accessibility and Cost of Capital The high key interest rate increases the cost of capital for businesses, making projects, particularly long-term ones, less profitable. Investments in infrastructure, technology startups, and other promising sectors become financially challenging and therefore less attractive to private investors. Reduction of Risks for Entrepreneurs The changes will help lower budget expenditures on subsidizing loan rates, thereby maintaining a more stable level of government support during ...

... liquidity. Capital Outflows and Isolation: International sanctions have limited access to external financing, forcing banks to rely on domestic resources. A deposit freeze could be used to strengthen liquidity. Public Distrust and Panic: Fears of a financial crisis may lead to mass withdrawals, jeopardizing the stability of the banking sector. Likelihood of a Deposit Freeze in Russia Currently, the rumors remain speculative. Implementing a deposit freeze would severely damage public trust in the banking system and government institutions. Factors reducing the likelihood: Public Sentiment: ...

... Chase Exceed Expectations According to the Wall Street Journal, the largest investment banks in the U.S., Goldman Sachs (GS) and JPMorgan Chase (JPM), reported Q4 2024 profits that surpassed analysts' expectations. This reflects the resilience of the financial sector amid economic turbulence. Goldman Sachs (GS): The company demonstrated profit growth, driven by increased revenue in investment banking and asset management. Significant contributions came from mergers and acquisitions (M&A), despite challenging ...