Russian Economy – Page 42 – MIL Translation Engine 1

November 11, 2025

Interest rates on short-term deposits have been raised

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Starting November 7, Solid Bank is raising interest rates on two short-term deposits for individuals: "Golden Autumn" and "Stable Interest." Now, the returns on these deposits will be even more attractive to the bank's depositors.

Golden Autumn – a seasonal deposit for 3 months, where the rate has now increased to 15.8% per annum. Other terms remain the same:

• Base rate – 15.5% per annum. Possible increase to 15.8% per annum when applying for a debit card under the “Solid PRIME” and “Salary” tariff plans.

• Amount – from 30,000 to 5 million rubles.

• Duration – 91 days.

• Interest payment is made at the end of the deposit term.

• Replenishment, expenditure transactions, prolongation – not provided.

"Stable percentage" – a replenishable deposit for six months, the rate of which has risen to 14.3% per annum.

Conditions:

• The base rate is 14% per annum. It can be increased to 14.3% per annum when applying for a debit card under the Solid PRIME or Salary tariff plans. Or when applying for the Income Protection 2.0 insurance program at the premium rate for 181 or 367 days.

• Amount – from 50,000 rubles. No restrictions on the maximum allowable amount.

• Duration – 180 days.

• Interest payment is made at the end of the deposit term.

• Replenishment – allowed during the first 60 calendar days.

• Extension is provided. The deposit is extended automatically under the terms and conditions in effect at the time of extension.

You can see the full range of Solid Bank deposits by clicking here follow the link.

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.

November 11, 2025

Account/deposit details have been changed. The account has been transferred to the Kamchatka branch's balance sheet.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers!

In connection with the opening of the Kamchatka branch, the client base was converted to the balance of the Kamchatka branch. As a result, SMS messages about the change in details were sent to clients affected by these changes.

From November 5, 2025:

1. Branch Office No. 16 of Solid Bank JSC in Petropavlovsk-Kamchatsky was closed, and the Kamchatka branch of Solid Bank JSC was opened in its place. Clients of Branch Office No. 16 of Solid Bank JSC in Petropavlovsk-Kamchatsky were transferred to the Kamchatka branch for servicing.

2. Branch Office No. 18 of JSC Solid Bank in Yelizovo has come under the administrative control of the Kamchatka branch of JSC Solid Bank; clients of Branch Office No. 18 of JSC Solid Bank in Yelizovo have been transferred to be serviced by Branch Office No. 18 in Yelizovo of the Kamchatka branch of JSC Solid Bank.

3. A change in the name of a Bank division does not entail a change in the rights and obligations of the Bank to the Client, or the Client to the Bank.

4. All accounts, including card accounts, operate as usual; there is no need to renew the bank account/deposit agreement.

5. Due to the reorganization, the account/deposit details have changed. If the Client receives funds into the account (from an employer, the Pension Fund, etc.), the senders must inform the new account details.

6. Current account details will be sent in a separate SMS message to all customers affected by these changes.

Important: If you receive transfers to this account (from your employer, Pension Fund, etc.), provide the new details to the specified services.

We also remind you that the current details of the bank and its branches are posted on the bank's website in the "Details" section at the following link:http://solidbank.ru/bank-register/In the "City" filter, select the city where you opened your Solid Bank account.

Please take this information into account.

November 10, 2025

Financial News: Citizens Complain Fewer About MTPL and Car Loans: Results for the First Nine Months of 2025

Translation. Region: Russian Federation –

Source: Central Bank of Russia

An important disclaimer is at the bottom of this article.

For three quarters complaints to the Bank of Russia The number of complaints from financial services consumers increased by 15.8% compared to the same period last year1. A total of 280 thousand complaints were received.

At the same time, the growth rate is slowing: if the number of complaints in the first quarter of 2025 exceeded the same figure last year by 23.1%, then in the third quarter it was only 11%.

Complaints against insurers have more than halved. The biggest decline is in complaints about compulsory motor third-party liability insurance (CMTPLI), particularly regarding the incorrect application of the bonus-malus coefficient (KBM) (a decrease of almost 70%). This decline is due to the fact that, since November of last year, citizens have been able to quickly and easily verify or dispute their KBM values if they disagree with them through the National Insurance Information System website.

Complaints against banks increased by 21%. Claims remain most often related to measures taken by banks to combat fraudsters and droppers, such as refusing to process transactions and freezing accounts.

Citizens complained about problems with car loans, primarily about unscrupulous banking practices, almost a quarter less frequently. This is partly due to banks signing the memorandum "On the Principles of Fair Car Lending" and refusing to cooperate with dishonest car dealers.

The number of complaints against microfinance organizations has increased by more than 10%. Consumers report problems with refunds for additional services and obtaining payment holidays. However, complaints about pushy additional services, fraud, and inaccurate credit history information have decreased.

Complaints against professional securities market participants decreased by 20.7%. Complaints related to sanctions restrictions primarily continued to decline (a nearly threefold decrease).

In the segment of appeals that concerned non-state pension funds (NPFs), complaints regarding disagreement with the transition from the Social Fund of Russia to NPFs and between NPFs decreased by more than 2 times.

From January to September 2025, the Bank of Russia received 204,300 complaints (an increase of 11.4% compared to the same period in 2024). A single complaint (letter) may concern multiple issues and/or organizations, in which case it is counted as multiple complaints rather than a single one. From January to September 2025, there were an average of 1.4 complaints per complaint, compared to 1.3 complaints the previous year.

Preview photo: Black Salmon / Shutterstock / Fotodom

November 10, 2025

Financial news: 11/10/2025, 17-12 (Moscow time) the values of the lower boundary of the price corridor and the range of market risk assessment for the security RU000A101XS6 (MOEK BO1P4) were changed.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

November 10, 2025, 5:12 PM

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 10.11.2025, 17-12 (Moscow time), the values of the lower limit of the price corridor (up to 101.06) and the range of market risk assessment (up to 1028.13 rubles, equivalent to a rate of 7.5%) for security RU000A101XS6 (MOEK BO1P4) were changed.

November 10, 2025

Financial news: 11/10/2025, 15-11 (Moscow time) the values of the upper limit of the price corridor and the range of market risk assessment for the security RU000A1043J1 (Slavnef2P3) were changed.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

November 10, 2025, 3:11 PM

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 10.11.2025, 15-11 (Moscow time), the values of the upper limit of the price corridor (up to 108.95) and the range of market risk assessment (up to 1172.13 rubles, equivalent to a rate of 15.0%) of the security RU000A1043J1 (Slavnef2R3) were changed.

November 10, 2025

Financial news: Investments of mutual funds in the Moscow Exchange money market exceeded 1.5 trillion rubles.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

The volume of current investments (open positions) of exchange-traded and open-end mutual investment funds (ETIFs and OPIFs) in Moscow Exchange money market instruments has increased by 41% since the beginning of 2025 and reached 1.5 trillion rubles for the first time.

Money market funds invest in liquid, low-risk instruments, primarily through repo transactions. Over 90% of these assets come from private investors.

The total number of individuals purchasing shares in mutual funds and open-end mutual funds on the Moscow Exchange has increased 1.4-fold since the beginning of the year, reaching approximately 2 million. The average investment per individual investor in money market funds exceeds 700,000 rubles.

Dmitry Danilenko, Director of Money Market Development at Moscow Exchange:

"We see mutual funds actively opening trading positions in the repo market even as the key rate declines. The collective investment market has appreciated the advantages of participating in such transactions: market returns close to the key rate, high reliability, and liquidity. For investors, investing in money market funds is not only a long-term investment tool but also a convenient way to profitably park available funds and access them at any time, along with accrued interest."

They invest in Moscow Exchange money market instruments 18 exchange and 5 open-end mutual funds.

As a benchmark for the return of a money market fund, management companies can use the Moscow Exchange calculated rate RUSFAR money market rate or calculated by the Bank of Russia RUONIA rate.

The Moscow Exchange money market is one of the most important segments of the Russian financial market, used by large corporations, small companies, and individual investors to manage their liquidity. Money market instruments include repos with the Central Custody Transfer (CCT), repos with the Central Custody Transfer (CCT), repos with the Bank of Russia (CBR), interdealer repos, deposits with the CCT, loans, and deposit and loan auctions. Trading is organized by the Moscow Exchange, and clearing and settlement are performed by the National Clearing Center (NCC, part of the Moscow Exchange Group).

Contact information for media: 7 (495) 363-3232PR@moex.com

November 10, 2025

Financial News: The ruble remained stable in October, and the inflow of funds into deposits increased.

Translation. Region: Russian Federation –

Source: Central Bank of Russia

An important disclaimer is at the bottom of this article.

In October, foreign currency sales by exporters increased to $8.2 billion, returning to the 2025 average. Meanwhile, demand for foreign currency remained unchanged. As a result, the ruble remained within the fluctuation range of the last half of the year.

The volume of foreign currency bond redemptions in October exceeded the volume of placements. Against this backdrop, individuals increased their purchases of foreign currency and investments in foreign currency deposits.

Also in October, the population's interest in ruble deposits increased compared to the previous two months: according to preliminary estimates, the inflow of funds in October amounted to 722 billion rubles.

Read more in the next issue. Review of Financial Market Risks.

Preview photo: Jag_cz / Shutterstock / Fotodom

November 10, 2025

Financial news: On 2025-11-11, the Federal Treasury will hold a deposit auction of 22,025,364 rubles.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

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

Application selection parameters
Date of the application selection	2025-11-11
Unique identifier for the selection of applications	22,025,364
Deposit currency	rubles
Type of funds	EKS
The maximum amount of funds placed on bank deposits, monetary units	700,000,000,000
Placement period, in days	1
Date of deposit	2025-11-11
Refund date	2025-11-12
Interest rate for placement of funds (fixed or floating)	Single Treasury Account
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 for one application, monetary units	1,000,000,000
Maximum number of applications from one credit institution, pcs.	2
Application Selection Form (Open with Random Ending, Closed, Open with Extension)	Open with random ending
Application selection schedule (Moscow time)
Venue for the selection of applications	Moscow Exchange PJSC
Applications accepted:	from 09:30 to 09:40
Pre-applications:	from 09:30 to 09:35
Applications in competition mode:	from 09:35 to 09:40
Random trade completion period (sec.):	120
Bet step:
Time step (sec.):
Extension period end time:
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 a bank deposit agreement:	from 11:00 to 12:30
Receiving acceptance of an offer to conclude a bank deposit agreement from credit institutions:	from 11:00 to 12:30
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 2025-11-11, the Federal Treasury will hold a deposit auction of 22,025,365 rubles.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

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

Application selection parameters
Date of the application selection	2025-11-11
Unique identifier for the selection of applications	22,025,365
Deposit currency	rubles
Type of funds	EKS
The maximum amount of funds placed on bank deposits, monetary units	250,000,000,000
Placement period, in days	6
Date of deposit	2025-11-11
Refund date	2025-11-17
Interest rate for placement of funds (fixed or floating)	Single Treasury Account
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 for one application, monetary units	1,000,000,000
Maximum number of applications from one credit institution, pcs.	2
Application Selection Form (Open with Random Ending, Closed, Open with Extension)	Open with random ending
Application selection schedule (Moscow time)
Venue for the selection of applications	Moscow Exchange PJSC
Applications accepted:	from 09:30 to 09:50
Pre-applications:	from 09:30 to 09:35
Applications in competition mode:	from 09:45 to 09:50
Random trade completion period (sec.):	120
Bet step:
Time step (sec.):
Extension period end time:
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 a bank deposit agreement:	from 11:00 to 12:30
Receiving acceptance of an offer to conclude a bank deposit agreement from credit institutions:	from 11:00 to 12:30
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 2025-11-11, the Federal Treasury will hold a deposit auction of 22,025,366.

Translation. Region: Russian Federation –

Source: Moscow Exchange – Moscow Exchange –

An important disclaimer is at the bottom of this article.

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

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