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299.7 65.9 72.8 Balance of services -7.7 -9.0 -10.6 -8.8 -36.1 -6.8 -9.3 -12.4

shrink. According to preliminary data, it lost 0.5% after a 0.8% decline in June. Consumer loan rates remained high but were gradually sliding.

51 6.86 7.80 8.56 8.14 8.56 9.55 8.69 8.96 8.69 8.33 utility services Core CPI

7 Bibliography ........................................................................................................ 19 8 Appendix ............................................................................................................. 20 8.1 Depositor’s utility function ............................................................................ 20 8.2 Condition of non-switching to another bank ................................................. 20 8.3 Increase

22.7 15–18 8–13 7–12 8–13 ? on organisations 22.6 17–20 8–13 7–12 8–13 ? on households, including

0 17–20 5–10 8–13 8–13 ? on organisations 13.2 16–19 5–10 8–13 8–13 ? on households, including: 9.

13.9 9 — 12 8 — 13 9 — 14 8 — 13 ? on organisations 10.7 10 — 13 7 — 12 8 — 13 8 — 13 ? on households, including:

from banks at a modest pace. Broad money edged up by 0.8% in July, which is slightly above the May—June rates. Household ruble