... stabilization, which is a positive signal for the market. Factors Contributing to Inflation Deceleration Monetary Policy of the Central Bank. The increase in the key interest rate limits access to credit for both consumers and businesses, leading to a decrease in consumer demand and inflation rates. This allows the Central Bank to control price growth and protect the ruble from external factors. Growth of Exports and Import Restrictions. The reduction in import volumes due to high interest rates decreases pressure on the domestic market. Russian exporters have, on the contrary, increased ...

... conditions. During this period, founders, management, and large shareholders are not allowed to sell shares on the open market. After the lock-up period expires, shares become available for sale, which sometimes leads to an increase in supply and a decrease in price. Who benefits from a lock-up? For companies: It helps protect the share price and build investor confidence. For small investors: A lock-up protects small shareholders from a sharp drop in share price associated with mass selling. Supports the company's ...

... Energy Information Administration (EIA) on Wednesday, it can significantly affect sentiment in the oil market: If the API reports a sharp decline in commercial crude oil and petroleum product inventories for the week, it will point to increased demand or decreased supply. In this scenario, oil prices may rise even before the official statistics are released, as traders price in expectations of a supply shortage. Conversely, if the report shows an unexpected increase in inventories, it will heighten concerns about oversupply. In response, oil ...

... investments. There are two primary categories of investment risks: market risks and non-market risks. Market risks are caused by fluctuations in asset prices and the overall conditions in financial markets. Examples of market risks include the risk of asset price decreases, bankruptcy risk of a company, and the risk of dividend non-payment (which we will delve into in more detail later). These risks are directly related to the value fluctuations of your investments: in unfavorable market conditions, securities ...

... preferential mortgages and reduced accessibility of mortgage lending. Tightening of conditions for targeted programs, which also decreased housing availability for certain categories of citizens. Mortgage Lending: In 2024, mortgages accounted for 68% of transactions,... ... This also indicates a reduction in the share of borrowed funds amidst rising interest rates and overall economic instability. Prices of New Homes: The average price of new homes in Moscow and the Moscow region increased by 6% in 2024. This is significantly ...