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internal conditions, including the dynamics of the ruble exchange rate, which reduces its volatility. Moreover, the fiscal rule ensures a transparent approach to the formation

analysis of big data on loss and accident rates to form tariff rules. In insurance companies, the share of the use of big data in

4 (10) 2021 Q4 EXPORTS AND OIL PRICE Chart 1 IMPORTS AND RUBLE EXCHANGE RATE Chart 2 63х82 63х82 Billions of US dollars % YoY Billions

FEDERATION), ‘БАНК РОССИИ’ (BANK OF RUSSIA), the coin denomination ‘3 РУБЛЯ’ (3 RUBLES), the year of issue ‘2022 г.’ (2022), the chemical symbol of the

111 billion rubles. This is nearly two times less than the monthly average over the year. In 2021, banks earned 2.4 trillion rubles, which