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December, the Business Climate Index (BCI) reached 7.6 points from 6.8 points in November and significantly exceeded the 2021 average. This is the

interest rate under a consumer loan (microloan) agreement shall not exceed 0.8% per day remains in effect. The reference to the Press Service is

12%, that is, people expect 12% inflation, but the mortgage rate is 8%. Clearly, that rate is very attractive. Certainly, subsidised mortgages have to be

1.8.I, |.8.2,1.8.5, 1.8.6, ' 1.8.9, l.8.1 1_1 .8.21 пyнктa 1 .8 пpилоlкellИЯ

6.37 8.12 8.35 8.13 8.33 9.34 9.87 9.51 8.38 8.63 8.07 8.63 March

8 18.8 65.8 77.4 Funds transfers to legal entities, individual entrepreneurs, and other persons Funds transfers to individuals Other transactions Figure 8

24 February 2021 Financial dollarization: causes and consequences (joint with NES) Seminar 8 October 2020 Research on Granular Credit Registry/History Data with Implications for

344.6 233,652.4 223,835.8 Claims on nonfinancial public organizations 45.8 161.0 160.8 160.9 160.5 160.3

8 497,937.3 543,673.8 money outside banks 266,146.0 232,452.8 241,634.0 251,121.1 278,657.8