Few businesses can operate without attracting additional funds. This may come from a bank loan or investment. The latter option is becoming increasingly popular each year. This approach can help avoid numerous issues with lending institutions and significantly save on costs. Few businesses can operate without seeking additional funding. ...

... 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 systems, lending, investment platforms, insurance technologies (insurtech) and financial risk prevention systems....

... indicators indicate the bank's conservative policy in the context of economic uncertainty. Nevertheless, it is worth noting several positive points. The bank demonstrates a 15% increase in net interest income, which indicates competent management of the loan portfolio and effective work with interest rates. The attention to the optimization of operating expenses is also encouraging - this shows a desire to reduce costs and improve efficiency. Diversification of the loan portfolio and an emphasis on digitalization ...

... under IFRS, some subsidiaries were profitable and directed dividends to the parent company. These participation earnings amounted to ~157 billion rubles in H1 2025 (slightly less than 185 billion rubles a year earlier). Interest income (from provided loans and fund placements) also increased (~179 billion rubles compared to 168 billion rubles in H1 2024) due to higher interest rates in the economy. All the listed components cumulatively account for the spike in other income. Conversely, other expenses ...

On November 20, 2024, global financial markets are poised for significant movements as key economic indicators and corporate earnings reports are released. Investors should pay close attention to China's Loan Prime Rate announcement, inflation data from the UK and Germany, U.S. crude oil inventory levels, and speeches from central bank leaders. Additionally, major corporations such as NIO, Target, TJX, Wix.com, Williams-Sonoma, Global-E Online, Nvidia,...