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increasingly more households who have at least one consumer loan apart from a mortgage loan. Over 2023, the number of such households increased by 1.

their own models based on the statistics on borrower defaults. This allows a more efficient and precise assessment of credit risk and capital required to

exceed 1.3 of the debt amount over the entire life of a loan. Moreover, macroprudential limits on borrowers with high debt service-to-income ratio were

8 х х х х * Averages for the year and quarters. ** The indicated month is the month of the survey. Businesses estimate present conditions a

4%’ and ‘Significantly below 4%’) Significantly above 4% a year Approximately 4% a year Significantly below 4% a year Sources: InFOM, Bank of Russia calculations.

the transition to a low-carbon economy Giving stakeholders a clear understanding of the development path of the organization's To ensure a high level of

they discussed in detail a possible future key rate path and also exchanged the views on conditions that might require a reduction or increase in

advantage is in the format of a game: performing each task, pupils learn how to use funds efficiently. A non-standard approach, easy presentation and relevant

of Russia So Paulo, Brazil 27.02.2024 1 CLIMATE AGENDA IS A PART OF THE SUSTAINABLE DEVELOPMENT AGENDA CLIMATE POLICY COMMITMENTS NET 2030 70

corporate purposes with a commitment to achieve certain KPIs SUSTAINABILITY BONDS TRANSITION BONDS CLIMATE TRANSITION BONDS financing projects financing transition projects developing a science-based strategy