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emergence of new suppliers and changes in the behavioural pattern of the old ones, oil price dynamics became even less predictable. Accordingly, we decided to

facilities (fixed interest rates) REPO; Overnight loans; Lombard loans; Loans secured by gold; Loans secured by non-marketable assets and guarantees; FX swaps (ruble leg) 1

Survey participants aged older than 44 showed much less inter- est in direct debits, and in the age group of 60 and older only every

investment fund managed by the closed joint-stock company Gazprombank Asset Management; Gazprombank — Gold, open-end funds unit investment fund managed by the closed joint-stock company Gazprombank

oil prices enable us to relax and enjoy 1-2% growth in the old structure of the economy with low productivity. I should say that both

estate unit investment fund managed by Zitadel Assets Management, limited liability company, Gold of Black Soil Region, closed-end mortgage unit investment fund managed by TETIS

Monetary gold 51,039 0 –14,585 3,536 39,990 Gold bullion 51,039 0 –14,585 3,536 39,990 Unallocated gold accounts

proof coin in denomination of 3 Roubles (catalogue number 5111-0292) and a gold proof coin in denomination of 1000 Roubles (catalogue number 5220-0019) of the

investment fund, Capital — Global Retail Sector, open-end mixed unit investment fund, Capital — Gold, open-end funds unit investment fund, Capital — Global Sports, open-end equity unit investment

dated 30 April 2015, ‘On the Interest Rate on Loans Secured by Gold’ (becomes effective the day it is signed); Bank of Russia Ordinance No.