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the key rate at 21.00% p.a. On 21 March 2025, the Bank of Russia Board of Directors decided to keep the key rate

The methodology applied by a foreign credit rating agency shall: • describe all key quantitative and qualitative factors determining the ability of a rated entity to

deposit rates exceed the key rate. We seem to have come back to a normal ratio between deposit rates and the key rate. One reason

the key rate at 21.00% p.a. On 21 March 2025, the Bank of Russia Board of Directors decided to keep the key rate

fish, dairy products) also slowed, but remained fast, demand still being a key factor behind this. In addition, meat products are showing a consumption structure

made for them. Accrued interest receivable/ The Bank of Russia key rate (hereinafter, the key rate) is an payable is included in related type of

billion. More details on the situation in the market as of the end of 2024 are available in the Review of Key Indicators of Insurers.

in the proportion of floaters. More details are available in the Review of Key Indicators of Brokers for 2024 Q4. Preview photo: Rawpixel / Shutterstock / Fotodom

the key rate at 21.00% per annum. • Raising the key rate by 100 bp to 22.00% per annum. Summary of the Key Rate

FOLLOWING THE BOARD OF DIRECTORS’ KEY RATE MEETING ON 14 FEBRUARY 2025 ............................................................................................................................................................ 2 MAIN CHANGES IN THE FORECAST . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 KEY ASSUMPTIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 EXTERNAL ENVIRONMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4