... foreign financing, the Russian lending market remains one of the few pillars for companies. Inflationary Expectations: High inflation risks and rising prices for essential goods compel companies to strive for expansion and investments, including through ... ... Bank may require banks to create additional reserves in case borrowers fail to meet their obligations. This provides a form of protection for the banking system in the face of rising credit risks. Monitoring Debt Burden Indicators: The Central Bank monitors ...

... Government bonds (OFZ) carry minimal risk, while corporate bonds can offer higher yields. Investing in bonds protects you from significant losses, especially during market downturns. 4. Real Estate as a Stable Asset Real estate is a long-term asset that protects capital from inflation and generates rental income. In Russian practice, investments in commercial and residential real estate are considered a reliable way to diversify. Real estate is not subject to rapid fluctuations, and its value can grow, especially in major ...

... Instruments Short-term investments are aimed at a period of up to 1-2 years. The main priorities are high liquidity and capital protection. Let us explore popular options: Bank Deposits Profitability: According to the Bank of Russia, average rates on ruble ... ... provide fixed profits that are understandable even to beginners. Disadvantages: The real return is low—barely exceeding the inflation rate (around 9.5% in 2024). If withdrawn early, the bank pays less interest. Taxes: Personal Income Tax (PIT) (13%) ...

... reduction of profits for several banks. Amidst tightening regulation and oversight by the Central Bank, its main goal is to protect clients and stabilize the market. Yet, under prolonged high-rate conditions, this practice could catalyze a structural ... ... attractiveness of bank securities for investors. 4. Long-term Consequences of 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 ...

... advancements. Investments in agriculture are among the most promising sectors. This industry remains resilient against crises, inflation, oil prices, or technological developments. Agricultural products will always be in demand. People cannot live without ... ... also be cultivated, utilizing various modern plant-growing techniques. For livestock, high-quality feed and medications that protect against diseases and premature death should be used. Source