Financial News: Market participants should take a unified approach to informing clients

Translation. Region: Russian Federation –

Source: Central Bank of Russia

An important disclaimer is at the bottom of this article.

The Bank of Russia has identified cases where financial institutions do not fully disclose information about products and services to clients, guarantee investment returns, or use graphic techniques on their websites to make information about associated costs less visible.

Often, when comparing an investment product to a bank deposit, the organization highlights its advantages without disclosing the risks. Some market participants, in an attempt to boost customer confidence, use the phrase "approved by the Bank of Russia," which is inaccurate.

The regulator detects such violations both on organizations' websites and through verbal notifications to consumers. The Bank of Russia sent a notice to market participants information letter with a description of unfair practices that should be eliminated from the customer journey. Furthermore, financial institutions are recommended to provide consumers with complete, understandable, and reliable information about financial products and services in a timely manner.

Preview photo: Oatakoi / Shutterstock / Fotodom

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Financial news: On November 5, 2025, JSC KAVKAZ.RF will hold a deposit auction.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

CategoriesEconomics, MIL-OSI, Moscow, Russia, Russian Economy, Russian Federation, Russian Language, Moscow Exchange, University life /

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Parameters
Date of the deposit auction November 5, 2025
Placement currency RUB
Maximum amount of funds placed (in placement currency) 585,000,000
Placement period, days 49
Date of deposit November 6, 2025
Refund date December 25, 2025
Minimum interest rate for placement, % per annum 16.2
Conditions of imprisonment, urgent or special Urgent
Minimum amount of funds placed per application (in placement currency) 585,000,000
Maximum number of applications from one Participant, pcs. 1
Auction form, open or closed Open
Basis of the Treaty General Agreement
Schedule (Moscow time)
Preliminary applications from 10:00 to 10:10
Applications in competition mode from 10:10 to 10:15
Setting a cut-off percentage or declaring the auction invalid until 10:25
Additional terms and conditions

Financial News: The regulator recommends that banks strengthen control over the identification procedure to combat droppers.

Translation. Region: Russian Federation –

Source: Central Bank of Russia

An important disclaimer is at the bottom of this article.

Banks should organize their operations so that payment cards issued under salary programs can only be activated by their actual owner after completing the identification process. This is necessary to prevent the use of such cards by unscrupulous entities, it says. in a letter from the Bank of Russia.

A credit institution that attracts new clients and opens cards for them through an intermediary must ensure that all necessary documents have been prepared for each client and that there is no fraud.

Furthermore, banks must identify those offices and divisions where there is a high risk of dropper accounts being opened and strengthen monitoring of these offices and divisions. The presence of the person in whose name the bank account is being opened can be verified using photo and video recording systems.

Preview photo: MMD Creative / Shutterstock / Fotodom

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Financial news: On 2025-11-05, the Federal Treasury will hold a deposit auction of 22,025,355 rubles.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

CategoriesEconomics, MIL-OSI, Moscow, Russia, Russian Economy, Russian Federation, Russian Language, Moscow Exchange, University life /

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Application selection parameters
Date of the application selection November 5, 2025
Unique identifier for the selection of applications 22025355
Deposit currency rubles
Type of funds funds of the single treasury account
Maximum amount of funds placed in bank deposits, million monetary units 598,000
Placement period, in days 2
Date of deposit November 5, 2025
Refund date November 7, 2025
Interest rate for placement of funds (fixed or floating) FIXED
Minimum fixed interest rate for placement of funds, % per annum 15.76
Basic floating interest rate for placement of funds
Minimum spread, % per annum
Terms and conditions for concluding a bank deposit agreement (fixed-term, replenishable or special) Urgent
Minimum amount of funds placed per application, million monetary units 1,000
Maximum number of applications from one credit institution, pcs. 2
Application selection form (open or closed) Open
Application selection schedule (Moscow time)
Venue for the selection of applications Moscow Exchange PJSC
Applications accepted: from 09:30 to 09:40
*Preliminary applications: from 09:30 to 09:35
*Competition mode applications: from 09:35 to 09:40**
**Time interval for the end of accepting applications (seconds): 120
***Extension period (seconds):
***Bet step:
***End of renewal periods:
Formation of a consolidated register of applications: from 10:20 to 10:50
Setting a cut-off percentage and/or recognizing the selection of applications as unsuccessful: from 10:20 to 11:00
Submitting an offer to credit institutions to conclude bank deposit agreements: from 11:00 to 12:20
Receiving acceptance of offers to enter into bank deposit agreements from credit institutions: from 11:00 to 12:20
Deposit transfer time In accordance with the requirements of paragraphs 63 and 64 of the Order of the Federal Treasury dated April 27, 2023 No. 10n

Financial news: On November 5, 2025, the joint-stock company "KAVKAZ.RF" will hold a deposit auction.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

CategoriesEconomics, MIL-OSI, Moscow, Russia, Russian Economy, Russian Federation, Russian Language, Moscow Exchange, University life /

Post navigation

Archives

Parameters
Date of the deposit auction November 5, 2025
Placement currency RUB
Maximum amount of funds placed (in placement currency) 585,000,000
Placement period, days 49
Date of deposit November 6, 2025
Refund date December 25, 2025
Minimum interest rate for placement, % per annum 16.2
Conditions of imprisonment, urgent or special Urgent
Minimum amount of funds placed per application (in placement currency) 585,000,000
Maximum number of applications from one Participant, pcs. 1
Auction form, open or closed Open
Basis of the Treaty General Agreement
Schedule (Moscow time)
Preliminary applications from 2:20 PM to 2:25 PM
Applications in competition mode from 2:25 pm to 2:30 pm
Setting a cut-off percentage or declaring the auction invalid until 2:40 p.m.
Additional terms and conditions

Financial news: 03.11.2025, 10-44 (Moscow time) the values of the upper limit of the price corridor and the range of market risk assessment for security RU000A10A6B8 (RusGid2P02) were changed.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

November 3, 2025, 10:44 AM

In accordance with the Methodology for determining the risk parameters of the stock market and the deposit market of PJSC Moscow Exchange by the NCC (JSC) on 03.11.2025, 10:44 (Moscow time), the values of the upper limit of the price corridor (up to 122.5) and the range of market risk assessment (up to 1341.91 rubles, equivalent to a rate of 26.25%) for security RU000A10A6B8 (RusGid2P02) were changed.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Financial news: 03.11.2025, 10-59 (Moscow time) the values of the upper limit of the price corridor and the range of market risk assessment for the security RU000A0ZYJ91 (FSK RS B4) were changed.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

November 3, 2025, 10:59 AM

In accordance with the Methodology for determining the risk parameters of the stock market and deposit market of PJSC Moscow Exchange by the NCC (JSC) on 03.11.2025, 10:59 (Moscow time), the values of the upper limit of the price corridor (up to 107.47) and the range of market risk assessment (up to 1145.87 rubles, equivalent to a rate of 7.5%) for security RU000A0ZYJ91 (FSC RS B4) were changed.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Financial news: 03.11.2025, 11-43 the values of the lower limit of the repo price corridor, the carry rate and the range of interest rate risk assessment for the RNFT (RussNft JSC) security were changed.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

November 3, 2025, 11:43 AM

In accordance with the Methodology for determining the risk parameters of the stock market and deposit market of Moscow Exchange PJSC by the National Credit Center (JSC) on 03.11.2025, 11:43 (Moscow time), the values of the lower limit of the repo price corridor with settlement code Y0/Y1Dt (up to -33.66%), the transfer rate and the range of interest rate risk assessment (up to -0.2 rubles, equivalent to a rate of 54.95%) of the RNFT (RussNft JSC) security were changed.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

The International Forum of Foreign Graduates of Soviet and Russian Universities was held at RUDN University.

Translation. Region: Russian Federation –

Source: Peoples'Friendship University of Russia

An important disclaimer is at the bottom of this article.

One of RUDN's core values is its multinationality and international cooperation. Throughout its history, the university has trained nearly 40,000 international graduates. Today, over 13,000 international students are enrolled at the university.

RUDN University has a strong connection with its alumni. The university actively collaborates with many former students, who now hold high-ranking positions in their countries' governments, teach Russian at universities, and promote their alma mater's educational programs. Further proof of this was the International Forum of Foreign Alumni of Soviet and Russian Universities, the final day of which was held at RUDN University.

The event, organized jointly by the Russian Ministry of Higher Education and Science and the World Alumni Association, brought together over 100 representatives of associations from 50 countries, government officials, university rectors, and Russian education and science ambassadors from various countries. At the forum's thematic panels, participants discussed ideas for improving work in the areas of business cooperation, education, science, the promotion of the Russian language, and the preservation of traditional values.

University-city

RUDN University gave its guests a campus tour: the international graduates visited the Multifunctional Center, toured the renovated Granum agricultural complex of the Agrarian and Technological Institute, and the simulation center where future medical professionals hone their practical skills. Former students of our university were pleasantly surprised by how much the university has changed and grown since their graduation.

I graduated from RUDN University in 1980. This is my sixth time back here. Each time, the university changes, and it already feels like a whole town.

Fawaz Muhammad Ahmed

an engineering graduate from Lebanon

I was pleasantly impressed with the RUDN University Multifunctional Center. Many problems are solved there. From paperwork to securing a place in the dorm, the system is very user-friendly.

Kouzalis Anastasios

a graduate of the Faculty of Physics, Mathematics and Natural Sciences from Cyprus

Forum participants also learned about the work our university does with graduates, as well as the opportunities for further education and Russian language improvement available to former students.

Our university offers over 100 distance learning programs for continuing education. We can also tailor programs to the specific needs of a specific university or organization. RUDN University graduates and their families can study Russian online for free on the digital preparatory faculty platform.

Marina Rekets

Vice-Rector for International Affairs at RUDN University

Incidentally, due to the interest of guests in studying and improving their Russian language skills, RUDN University now plans to offer this opportunity on preferential terms to international graduates of other Soviet and Russian universities.

A ticket to life

Of course, the forum couldn't help but bring up memories of RUDN, as returning to their alma mater always makes our graduates feel like young students rushing off to class.

At RUDN University, I saw and touched computers for the first time. But computer science didn't come easy to me: during my first semester, my professor gave me a C upfront and made me promise to improve it by the end of the year, otherwise I'd be expelled. I studied day and night, and on my next exam, I got an A, finishing top of my class. Now, I use the knowledge I gained at university to develop my country.

Assenga Boniface Thomas

Plenipotentiary Representative of the Association of Tanzanian Graduates of Institutions of the Russian Federation and Former Soviet Union Countries, graduate of the Faculty of Economics at RUDN University

During my studies, I was very active, dancing with the "Rhythms of Friendship" group. I even choreographed a Lebanese dance, and I was pleased to learn that it's still performed today. Russia and RUDN University became my second home. I studied here for 12 years, including my master's and doctoral studies. Thanks to this, I became a professor and head of department at my university. RUDN University gave me a start in life. And now I consider myself an ambassador of the Russian language and education in Lebanon. I even teach Russian, even though I have an engineering background, and I also administer exams using the Russian system, where students draw a question and answer questions in a conversational format with the professor.

Aung Georges Emil

Plenipotentiary Representative of the Association of Graduates of USSR Universities in Lebanon, graduate of the Engineering Faculty of RUDN University

Roman Karlash, who studied economics, even told an interesting story about how friendships from his university days helped him open a business abroad.

When we were starting a business in Abidjan, Côte d'Ivoire, one of the first people we met in the country while visiting car parks was the uncle of one of my friend's friends, with whom we lived together in the fifth block of the dormitory.

Roman Karlash

Director of Yango Ride

Roman notes that his alma mater gave him the most important thing: the ability to find a common language with people from anywhere in the world.

Results and plans

Deputy Minister of Science and Higher Education of the Russian Federation Konstantin Mogilevsky participated in the forum's closing ceremony. In his speech, he noted that international graduates are ambassadors not only of Russian education but also of Russian culture.

They may be engaged in a wide variety of activities—scientists, teachers, businessmen. But they always remember Russia as their second homeland. And there's ample evidence that it's much easier to do business with graduates of our universities. This applies to both interdepartmental relations and business operations. They are a very valuable, very precious Russian asset. These are not strangers to us. They are our people, regardless of what they are currently doing.

Konstantin Mogilevsky

RUDN University Rector Oleg Yastrebov echoed the Deputy Minister's words, emphasizing that graduates are the primary conduit for the university's interests.

Alumni form a living network, uniting continents. Each one is an ambassador, carrying a piece of Russia with them and becoming a conduit for dialogue and cooperation between countries. RUDN's 250,000 graduates represent 250,000 success stories, proof of the exceptional quality of Soviet and Russian education.

Oleg Yastrebov

At the final plenary session, international graduates presented proposals put forward during the forum's thematic sessions. According to Esen Saliev (representative of Kyrgyzstan), moderator of the "Science Without Borders" section, it is necessary to strengthen efforts to ensure automatic recognition of Russian diplomas abroad, admit foreign scientists to the Russian Academy of Sciences, and increase support for young talent.

The moderator of the "Foreign Graduates as Ambassadors of the Russian Language" session, RUDN University graduate Flores Arcila Rubén Darío from Colombia, spoke about the lack of awareness abroad of the benefits of studying Russian and the opportunities offered by Russian education for foreign citizens. Participants also noted difficulties obtaining visas, the lack of a comprehensive approach to training foreign specialists, and the lack of relevant information about Russia for dissemination on social media.

The results of the sections' work will be reflected in the final resolution, which will serve as the basis for further collaboration with international alumni. The initial results of this partnership will be discussed at a forum next year, with plans to involve more than 2,000 international alumni.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Strength in Unity: What Russia Celebrates on November 4th and Why This Day Is Particularly Close to RUDN

Translation. Region: Russian Federation –

Source: Peoples'Friendship University of Russia

An important disclaimer is at the bottom of this article.

Since 2004, Russia has celebrated National Unity Day on November 4. For the university, which houses students from approximately 170 countries, this date is imbued with special meaning. It is an opportunity to recall a deep historical tradition that directly resonates with the university's modern mission.

The historical root of the holiday: the end of the Time of Troubles

To understand the essence of the holiday, we must travel back to the early 17th century. This period, known as the Time of Troubles, was one of the most difficult in Russian history. The state was torn apart by social conflicts, pretenders succeeded one another on the throne, famine and devastation engulfed the country, and Polish and Swedish invaders invaded. Authority was so weakened that Polish troops occupied Moscow for two whole years—from 1610 to 1612.

In response to the intervention, a national liberation movement unfolded in Russia. For 15 months and 9 days, monks and laity held the Trinity Monastery of St. Sergius against the Polish forces and False Dmitry II. Patriarch Hermogenes of Moscow and All Rus' appealed to the people to expel the invaders and defend the Orthodox faith. He sent letters throughout the unoccupied lands calling for the formation of people's militias. Hermogenes suffered for his stance. The Poles imprisoned him, where he died in February 1612.

The first militia, led by Ryazan voivode Prokopy Petrovich Lyapunov, failed to build on its success on the approaches to Moscow due to conflicting interests and inadequate preparation. The second militia was led by Nizhny Novgorod mayor Kuzma Minin and Prince Dmitry Mikhailovich Pozharsky. They demonstrated that all strata of society could rise to defend the Fatherland.

The desire to liberate Russia united representatives of various classes—from peasants and tradesmen to Cossacks, clergy, nobles, and boyars. In late September 1612, the army of Pozharsky and Minin joined forces with the Cossacks led by the boyar-voivode Prince Dmitry Timofeevich Trubetskoy. On November 4, 1612 (New Style), Kitai-Gorod was stormed and the Kremlin was besieged. Two days later, the Polish garrison capitulated. In honor of their victory, the heroic liberators held a parade.

Elena Kryazheva-Kartseva

Head of the Department of Russian History, Faculty of Humanities and Social Sciences, RUDN University

The Time of Troubles did not end with the liberation of Moscow from the invaders, as the country still lacked a ruler. Therefore, the Council of the Entire Land—the highest authority in the entire territory liberated from the invaders—initiated the convening of the Zemsky Sobor, to which representatives of all social classes were invited. Thus, Mikhail Feodorovich Romanov became tsar by the decision of the entire people.

From history to modern times

The memory of Minin and Pozharsky's heroic deeds lived on for centuries. Eventually, Muscovites decided to erect a monument to the militia heroes, Kuzma Minin and Dmitry Pozharsky. The sculpture was created by I.P. Martos with donations from people across Russia. On February 20, 1818 (Old Style), the monument was erected in the center of Red Square, and in 1931, it was moved to St. Basil's Cathedral. In the 19th century, there were also plans to erect a monument to Patriarch Hermogenes, but it wasn't until 2013 that it was realized. The sculpture was finally erected in the Alexander Garden near the Eternal Flame.

As for November 4th, back in 1649, Tsar Alexei Mikhailovich declared this date (according to the new calendar) a national holiday—the Day of the Kazan Icon of the Mother of God. This icon accompanied the Second Militia into battle.

The participants of the campaign prayed to her for Russia's salvation, and after their victory, they held a procession with the cross. Significantly, Saint Arseny of Elasson emerged from the Kremlin to meet the militiamen with the Vladimir Icon of the Mother of God. Thus, the two miraculous icons of the Intercessor of the Russian Land met. The Day of the Kazan Icon of the Mother of God was celebrated until 2017, but the tradition was interrupted after the revolution.

Elena Kryazheva-Kartseva

The revival of the holiday in 2004, at the initiative of the Interreligious Council of Russia, was an act of restoring historical memory. National Unity Day was established not simply as a replacement for the Soviet-era November 7 (October Revolution Day), but as a return to the original, pre-revolutionary tradition. It symbolizes the continuity of Russian history and the people's ability to unite in the face of external and internal challenges.

Unity in Diversity

What does "unity" mean in the 21st century, especially within the walls of an international university? It's synergy, where strength is born from diversity.

Minin and Pozharsky are an example of a successful brotherhood. Minin, a representative of the people, raised funds for the militia and inspired them to a common cause. Pozharsky, a prince and military commander, devised a sound strategy and successfully led the military operations. Their success was made possible by the unification of different classes for a common goal—the salvation of the Fatherland.

For RUDN University, this example is more relevant than ever. Students from Asia, Africa, Latin America, and Europe, studying engineering, medicine, and linguistics together, are a modern "people's militia." Only their goal is not military victory, but civil victory. Victory over ignorance, disunity, and the global challenges facing humanity.

National Unity Day reminds us that our differences are a source of strength. The ability to negotiate, understand each other, and unite around shared human values makes us truly united.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.