Telegram channel of Bankst: messages from 28.02.2023

Moody’s predicted a 3% decline in Russian GDP in 2023. Moody’s believes that such a decline will be primarily due to a reduction in Russian exports of goods under the influence of sanctions. @banksta

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Russian oil production in February 2023 for the first time reached the pre-sanction level and may exceed the figure for February 2022, and relative to January, production increased by almost 2% by the end of the month, to more than 1.5 million tons per day. @banksta

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Russian mining companies collectively use approximately 800,000 Application Specific Integrated Circuits (ASICs, bitcoin mining machines) with a capacity exceeding 2.5 GW. This is evidenced by the data of a survey of 20 organizations involved in mining, hosting and distribution. It was attended by the largest players involved in the distribution of batches of ASIC circuits from 30,000 pieces. or having data centers from 20 MW. The share of mining in Russia’s energy consumption in 2022 decreased from 1% to 0.6-0.8%. At the same time, the main volumes of mining are still concentrated in the Irkutsk, Buryat regions, as well as the energy system of the Trans-Baikal Territory. Every day, Russian miners mine about 143 bitcoins. @banksta

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The Wall Street Journal writes that by the end of last year, Russia managed to restore the average monthly volume of imports of chips and electronic components to the level of 2021, with more than half of the supplies now coming from China. According to the State Customs Committee of the People’s Republic of China, the supply of chips to Russia last year increased to $179 million against $74 million in 2021. @banksta

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Sber has become the most valuable company in Russia. Yesterday’s trading on the Mosbirzhe securities of the company ended at a level slightly above 171 rubles. per share. Growth in 24 hours reached 3%, as a result, the company’s market capitalization reached 3.827 trillion rubles or 51.2 billion dollars. The closest competitors in terms of cost – Gazprom and Rosneft – turned out to be cheaper: $49.1 billion and $50.4 billion, respectively. @banksta

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Since March 1, investors of the Cifra broker (former Freedom Finance) will not be able to withdraw dollars from brokerage accounts in the amount of less than $15,000. @banksta

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On February 28, the former bankster and ex-adviser to Ramzan Kadyrov, Pyotr Chuvilin, died, sources told RBC. Death occurred in a private clinic in the Moscow district of Otradnoye. Chuvilin was convicted in 2016 of attempted fraud. His testimony appeared in a number of high-profile cases of the last seven years – from the case of ex-colonel Zakharchenko to the “Moldovan Laundromat” scheme. @banksta

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Ford has patented autopilot technology that will drive the car to the bank if you don’t pay off the loan. The patent is titled “Systems and Methods for Vehicle Seizure”. The point is that if you bought a Ford on credit, but stopped paying, the car will delicately remind you of this. First, some car systems such as cruise control and air conditioning will be turned off, then an unpleasant squeak will sound in the cabin. If this does not work, the car will go where your bank indicates. @banksta

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Our partners from the Neglinnaya shopping center give a QR code for free parking so that you can meet at Coffeemania, choose gifts for everyone on March 8 during the day, and go to Van Laack for a new shirt in the evening. The Neglinnaya shopping center helps to solve 90% of daily tasks, and also collects promotions and events of the business district in one telegram channel “Na Neglinnaya”. Perhaps this is really the most useful shopping center in Moscow.

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Eurozone bonds tumbled as traders upped their expectations that the ECB will continue to raise rates after inflation in France and Spain unexpectedly picked up in February. For the first time, money markets have fully settled the ECB’s 4% final rate by February 2024. This compares to the 3.5% rate forecast at the start of the year, and will exceed the peak in eurozone interest rates seen more than two decades ago. The yield on two-year German government bonds jumped by as much as 9 basis points to 3.17%, the highest level since 2008. @banksta

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Direct deliveries of Urals oil from ports in the west of the Russian Federation to China grew in February by 1.5 times in daily terms compared to January – up to 9% of sea exports through western ports from 6% amid lower freight rates and growing demand, and increased competition between buyers in India and China are supporting grade prices, data from sources in shipping, trading circles, the Eikon terminal and Reuters calculations showed. Shipments of Urals to China in February (excluding offshore transshipments) will amount to at least 0.7 million tons against 0.5 million tons a month earlier, while the actual volume may be much higher. @banksta

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Freedom Finance Holding has finally completed the sale of the Russian business. All settlements have been made between FRHC and the new owner of the investment company and the Bank, Freedom Finance, Maxim Povalishin. The deal was closed after permission from the Central Bank, the price was $140 million. @banksta

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Avito overtook Ozon and Wildberries in terms of the number of visitors The monthly audience of the classified has exceeded 60 million people – now it is the most visited platform for online shopping in Russia. According to Mediascope, in January 2023, 60.2 million people across Russia over 12 years old visited the Avito website and mobile application, the coverage was greater than that of Ozon and Wildberries. In addition, Avito for the first time in terms of attendance exceeded the mark of 60 million people monthly. @banksta

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Grenada will suspend the acceptance of applications from Russians for citizenship. Now this is the only Caribbean country that approves applications from citizens of the Russian Federation and Belarus for obtaining alternative citizenship for investments from $150,000. Most other similar programs in the Caribbean and the EU added Russians to the stop list last spring. @banksta

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VTB proposes launching “children’s” deposits with co-financing in Russia VTB Bank proposes to consider the possibility of launching state-funded children’s deposits, said Andrey Kostin, head of the bank. He proposed that at the birth of a child, the state should make a certain amount of money on a deposit opened in the name of the child, and then replenish the deposit for the same amount that the parents do – that is, the deposit would include a co-financing mechanism. Funds from such a deposit could be used for purposes related to children, such as a child’s education or medical services. As an example, the head of VTB cited the child deposits program that exists in Singapore, according to which such payments go through the same mechanism as maternity capital. “According to our assessment, such a measure would not only effectively contribute to the solution of demographic problems in our country, but would also become an additional source of long-term money in the economy,” Andrey Kostin noted. @frank_media

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Mikhail Mishustin held a strategic session on the results of the implementation of national projects and government programs in 2022. The Government launched a series of thematic strategic sessions, the main task of which is to continue the development of the economy, taking into account changes and possible external challenges. The head of government noted that last year, despite the unprecedented scale of sanctions from unfriendly countries, decisions were made that allowed: ????to strengthen the stability of the economy; ????to ensure the growth of entire sectors compared to previous years, primarily focused on domestic demand; ????business – to reformat production and logistics chains and develop promising markets within the country and abroad. This became possible thanks to the consistent implementation of strategic plans: ✅national projects were updated; ✅since January 1, 2022, the entire mechanism of state programs has been restarted in a format based on the principles of project management; ✅ digital solutions have been introduced that have increased the level of interaction between departments; ✅for each program, priorities were approved that determine the goals of state policy in specific areas; ✅42 strategic initiatives were adopted, which made it possible to start a number of important institutional changes and connect non-budgetary sources to the development of the country.

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The more you spend, the more you get. Doesn’t it happen? It happens: we found the most profitable savings account for those who spend more than 100 thousand rubles a month. It is offered by the ICD. To get the maximum 10%, you need to: – spend on a card from 100 thousand rubles a month – receive a salary on a bank card – be an MKB premium client If you spend 100 thousand and receive a salary on a bank card, but did not become a premium client, the rate is slightly lower – 9 .75%. And the bank offers 9.5% to those who comply only with the spending condition. What is important, this is not a temporary promotion to attract new customers. We checked everything: the stated interest is accrued monthly to both new and existing customers.

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???? And now it will be hot — we summed up the results of the year in the retail business. What are the results? ???? The retail loan portfolio exceeded 840 billion rubles. ???? The total portfolio of funds of individuals is more than 1 trillion rubles (excluding private banking). ????Users of the mobile application of Gazprombank became almost 3 million people. ???? And most importantly, you, the bank’s retail clients, have grown by half a million people. Thank you for your trust! ???? This year we have big and ambitious goals to launch new products and improve the service. We have already launched a new mobile bank with cool features. Read more about our successes and plans here.

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More than 50 thousand people took part in Sber accelerators – SberZ and SberStudent, where schoolchildren and students develop startup projects in various industries. If the project wins, the champions will be able to receive grants and preferences when entering universities. They will also have the opportunity to realize their business ideas. Sber has been running accelerators since 2021 — during this time, 130,000 people have graduated. In total, they attracted 420 million rubles of investments. This year, the programs have acquired an international format: schoolchildren and students can participate in them not only from Russia, but also from Belarus, Kazakhstan, Armenia, Uzbekistan and other countries. @banksta

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The former “daughter” of Sberbank in Kazakhstan, Bereke bank, will stop issuing cash from Mir cards of sub-sanctioned banks. The restrictions will come into effect on March 6, 2023. @banksta

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Visa and Mastercard have put on pause cooperation with crypto companies until the markets and the regulatory environment in this area improve, according to Reuters. @banksta

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Which brokers are not under sanctions? If not Tinkoff, then whom to choose? Who should I switch to from Tinkoff Investments? Who remained not under sanctions? A year ago, brokers competed for clients with tariffs and mobile applications. Now, after a year of sanctions, we are looking for a broker without restrictions on our usual operations, someone who can still offer the same range of services and services. There are critically few of these companies left on the market. Taking the latest rating of brokers of the Moscow Exchange by the number of clients (according to the results of January last year, the exchange does not disclose this information anymore), it turned out that out of the top ten leaders, only four players remained not under sanctions – BCS, Alfa Capital Management Company, Finam and Digital Broker. Tinkoff held on to the last, but the other day EU sanctions were imposed against him, which increases the chances of new US sanctions against the bank. Tinkoff has already announced that it will transfer foreign securities of clients to an unauthorized player and has introduced restrictions on euro trading. We hope he gets it done quickly. I will exclude Alfa Capital from the list, since it is a management company. There are BCS, Finam and Tsifra broker. Only the last two players have partnerships with foreign companies, which implies the presence of foreign infrastructure, and in the current situation, this means more opportunities to save and avoid freezing on foreign securities and currencies. At the same time, Tsifra Broker has also achieved partnerships with the Russian Raiffeisenbank, today it is one of the two systemically important credit institutions in the country not under sanctions. In general, Finam and Tsifra Broker are comparable brokers in terms of trading conditions, the latter, however, have lower and more honest rates, no additional commissions are added to them. Of the interesting non-sanctioned players out of the next ten large brokers, one can probably note only Aton (but it works only with large clients and is a boutique broker in itself) and the same Raiffeisenbank (18th place, the number of clients with brokerage accounts does not large, this is far from the main business of the bank). So it turns out that, despite the supposedly large selection, there are few options left. Invest wisely and have a good broker! @banksta

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The “secondary” has ceased to become cheaper throughout Russia – the average price tag returned to the indicators of the beginning of November. And in Moscow, Chelyabinsk, Volgograd, Samara, Perm and Rostov-on-Don, the price even went up by 3-10%. The price of a square meter increased the most in Moscow – by 34,000 rubles, or 10%. @banksta

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For the seventh year in a row, PIK has become the leader in terms of housing commissioning in Russia. The company received the corresponding certificate within the framework of the Russian Construction Week, the largest event in the industry. In 2022, PIK handed over the keys to residents of more than 100 houses. These are 47 residential neighborhoods across the country. And it’s not just about projects in Moscow and the Moscow region – in addition to this, PIK introduced real estate in 7 more regions. @banksta

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European countries were “lucky” with energy supplies this winter, but the next season will be “even more difficult” due to the lack of Russian gas, the US Deputy Secretary of Energy said. @banksta

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The loss of the Swedish online payment service Klarna rose by 47% in 2022, to $1 billion. This did not stop the startup from raising the salary of its CEO Sebastian Simatkowski by 35%, writes FT. His salary for the past year was $1.3 million. In 2021, he became a billionaire. @banksta

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Despite all the difficulties, in 2022 the market was supported by record dividends from the largest companies. Almost all investors hope that 2023 will continue to break records for payments, and issuers will return to reporting disclosures. The Gazprombank Investments service has everything you need to invest right now in various assets – both in currency and securities: ???? access to trading in foreign securities on the St. Petersburg Exchange; ???? transactions with euro and US dollars and storage of currency without commission; ???? assistance in drawing up an investment strategy; ???? participation in initial placements. Other features of the service include investments in Russian shares, long transactions with leverage, access to the Chinese yuan and the Hong Kong dollar, as well as selections and analytics for investors. ????Latest market news and analytics – in the official channel of the Gazprombank Investments service.

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94-year-old Leonid Alliluyev – a relative of Joseph Stalin and a veteran of the Great Patriotic War – came with a statement to the police department of the Tagansky district. He said that he again became a victim of fraudsters in the largest bank and 113,00 rubles were stolen from his cards. In early February, Leonid Stanislavovich received a new card, he used it only twice – he bought groceries and paid for travel. A week later, 63,000 rubles were written off from her. Alliluyev called the bank and blocked the card, and asked for a new one in return. Before the pensioner had time to pick it up, unknown people wrote off another 50,000 rubles from there. This is not the first time Leonid Stanislavovich has become a victim of scammers. In April 1921, swindlers persuaded a pensioner to open an account for them and stole 2 million rubles. Six months later, Alliluyev transferred another 16 million rubles to the scammers – they convinced the man that this would help him secure his accounts. @banksta