If we take it over two years, the average hong kong telegram data profit will probably be 1.7–1.8 trillion rubles. This is about a quarter less than the quiet 2021.
next year, even without taking into account one-off factors. And this will allow banks to increase capital. They have virtually no other sources, external sources are closed, and profit is the main source of capital. And capital is needed to lend to the economy, without capital it is impossible to increase loans. Therefore, banks will remain profitable and will continue to lend to the economy.
— Even at today’s rates?
— Even at current rates. We see that current rates are leading to a certain slowdown in lending. I have already spoken about market mortgages, unsecured consumer lending. The first signs have appeared in corporate lending. But due to high inflation expectations, people and businesses take out loans because they believe that inflation will be magento as first choice high. Therefore, inflation expectations are very important to us, we are monitoring this. But we expect that next year, of course, the rate of growth of loans will not be as record-high as this year, but it will be positive. In general, for the economy, it is somewhere around 5–10%.
— Large banks are planning for a slowdown
Both unsecured lending and ao lists mortgages in 2024. How will this affect their profits in 2024? Will the average level you mentioned — 1.7–1.8 trillion rubles — be exceeded or not?