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0 20,2 18,1 18,6 15,7 18,0 16,9 16,1 16,5 Problem 16,1 15,5 18,7 20,

9 10,8 10,6 10,8 19,2 18,1 18,3 18,3 18,2 Problem 17,8 17,8 19,3 17,

understand the fundamentals of insolvency (bankruptcy) legislation. As of 1 July 2018, 18 provisional administrations were appointed to manage credit institutions whose licences had been

8% YoY in 2020, stabilizing at 4% in 2021. 18 The survey was conducted from October 18 to 24, just before the Bank of Russia

742 rubles 2008 15,424 16,962 17,556 18,966 2009 17,441 18,419 18,609 2007 127.3 125.9 124.0

Finnish Marka 10,4300 1000 French Franc 94,5500 10000 Greek Drachma 18,2000 10000 Iceland Krona 45,1000 100 Irish Pound 78,7500 100000

18 1.07.18 1.10.18 1.11.18 1.01.17 1.01.18 1.07.18 1.10.18 1.11.18

Autonomous Area 1 1 — Samara Region 23 23 23 Saratov Region 18 18 18 Ulyanovsk Region 7 7 7 URALS FEDERAL DISTRICT 82 80 80

20,9 20,7 15,7 18,0 18,4 18,9 18,9 Problem 16,1 15,5 18,9 15,7 16,3