... further rate cuts. Many experts now suggest that by December, the rate could drop to 15-16%, which would provide additional stimulation for the economy. Markets reacted positively overall to the Central Bank's bold decision, though without unanimity. The debt market experienced an influx of buyers: yields on government bonds (OFZ) significantly decreased, raising bond prices, as cheaper funding improves prospects for borrowers. In the stock market, the reaction was mixed. Sectors sensitive to rates – primarily energy, real estate, and consumer companies ...

... case of stress scenarios and allows for active business growth financing. At the same time, the tax burden on profits from the government has increased. For the first half of the year, the bank accrued around 257.5 billion rubles in profit tax – a quarter ... ... growth and asset quality. Now, following a decrease in the rate to 18% (July 2025), a slight contraction in margins and relief in debt burdens for borrowers is expected in the second half of the year. The outlook for 2H2025 appears balanced overall. On one ...

... concerns among entrepreneurs, as expensive loans stifled investment and consumer demand. The business community and even some government officials had previously publicly called for a more decisive rate reduction, fearing a recession. However, the regulator ... ... 1–6%). This means that the retail credit portfolio is unlikely to increase in real terms: citizens are hesitant to incur new debt due to high rates, coupled with banks tightening borrower requirements. The forecast for corporate lending growth in 2025 ...

... back in the spotlight. Major funds and corporations have resumed substantial investments, launching new venture programs, while governments across various countries have ramped up support for innovative businesses, striving not to fall behind in the global ... ... "magnet" for venture capital. For example, Elon Musk's xAI project raised about $10 billion ($5 billion in equity and $5 billion in debt), acquiring vast resources to develop AI platforms and infrastructure. Insider estimates suggest that xAI's value now exceeds ...

.... Use of funds and growth strategy. Understand the intended use of raised funds: scaling production, marketing, development, debt repayment, asset acquisition. The more justified and specific the strategy for fund usage, the lower the uncertainty. Evaluate ... ... track record of business development or successful cases. Having independent experts on the board and implementing corporate governance standards enhance the company's reliability from an investor's perspective. IPO plan or alternative exit. It's crucial ...