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a separate fee may not exceed the principal debt more than 1.5 times. After this threshold is reached, no interest, other payments, penalties and

diffusion index current month 51.5 53.0 52.7 52.5 Analysts, % Bloomberg 2019 4.5 3.7 3.5 3.3 Interfax 2019

16.01.2020 4 Consumer Price Indices, information bulletin 17.01.2020 5 News Index of Business Activity 21.01.2020 6 Assessment of Underlying

dated 17 October 2019, ‘On Amending Clause 2.5 of Bank of Russia Instruction No. 147-I, Dated 5 December 2013, ‘On the Procedure for Inspecting