... negatively impact the stability of banks due to the increased cost of capital and constraints on lending volumes. 3. Impact on Bank Profits Despite the high yields on deposits, the financial results of several banks are already showing a decline. The net profit of banks such as Sovcombank and MKB has significantly decreased. Sovcombank reported a profit drop of more than 50% compared to last year, while MKB's profit fell by 30%. The deterioration in financial indicators is attributed to rising liabilities costs ...

... partially offset the strong growth in operating income. High Capital Profitability The bank maintains an impressive return on equity at around 23–24%. For 1H2025, ROE stood at 23.7%, only slightly differing from last year’s level, remaining one of the best indicators in the banking sector. This high profitability demonstrates effective utilization of capital and the ability to generate substantial returns on shareholders' investments. Together with a sufficient capital buffer, this allows the bank to simultaneously support growth and provide generous ...

... of operating expenses to income was 33.1%, which indicates high operating efficiency. BCS Express Meaning and Impact: This ratio shows what share of income the bank spends on operating expenses. A low value indicates effective cost management and the bank's ability to retain most of its income as profit. Recommendations for investors: Investors should pay attention to the steady growth of MTS Bank's key financial indicators, especially the increase in net profit and high return on equity. Significant growth in net interest and commission income ...

... and corporate client management. Expectations for Bank of America and Morgan Stanley Today, January 16, other major players in the U.S. banking sector—Bank of America (BAC) and Morgan Stanley (MS)—will unveil their results. Analysts anticipate: Bank of America (BAC): Potential profit growth driven by increased interest income and activity in mortgage lending. Steady growth in retail banking, even amid slowing economic activity. Morgan Stanley (MS): Attention will be focused on the asset management segment, traditionally a stronghold ...

... statements and turnover. The bank will definitely request documents reflecting the financial status of the business. For LLCs, these are accounting statements (balance sheet, profit and loss statement), for individual entrepreneurs - tax returns on income. Bank statements confirming cash flows may also be required. Stable revenue and profit, an acceptable level of debt burden are important. If the purpose of the loan is to develop a new project, a business plan or financial plan may be required showing how borrowed funds will help increase income. Credit history. The borrower's reputation in credit bureaus plays ...