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the latter attractive to households. As a result, a fast buildup of funds in time deposits is continuing. Therefore, a larger proportion of wage and

Probability of requesting unsecured loans: analysis of Russian household finances Shelovanova T., Sinyakov A. Household spending usually accounts for about 70% of total spending in

be published starts from January 2023. The information will be updated on a monthly basis according to the Official Statistics Release Calendar. The reference to

assess all potential consequences of changes in a floating rate. A retail borrower might raise a loan at a currently low interest rate assuming that

the foreign share in the aggregate authorised capital of credit institutions holding a banking licence totalled 6.95% (vs 8.97% as of 1 January

provided that certain conditions are fulfilled (regular bank card turnover, a permanent minimum balance on a bank card, etc.) are not taken into account. — Combined

х х х х 74,518 106.8 х х х х 30,697 х х Q2 103,439 68.1 х х х х

a. 9.5 10.1 12.4 11.9 household loans % p.a. 12.3 13.4 13.5 13.6 corporate loans % p.a.

so that customers can refuse such transactions. If a bank does not suspend the funds transfer to a fraudulent account, information about which is in

Zabotkin will take part in the press conference. Elvira Nabiullina will make a statement on the Bank of Russia’s monetary policy and reviewed forecast.