financialnews

The People’s Bank of China said today that it will continue pursuing a moderately accommodative monetary policy and, if necessary, will introduce new practical measures, according to a statement by the regulator.
The bank plans to strengthen coordination between monetary and fiscal policy to support economic growth and ensure stable functioning of financial markets, as noted in the central bank’s quarterly report on the implementation of monetary policy.

Средняя максимальная ставка по вкладам в топ-10 банков в первой декаде августа снова выросла — на этот раз на 0,04 п.п. — и составила 12,89% годовых, сообщает Банк России. Повышение зафиксировано в четвертый раз подряд, суммарно за три предыдущих декады показатель вырос на 0,09 п.п.
Показатель находится ниже 13% годовых с конца мая 2026 года. Тогда он опустился ниже этого значения впервые с третьей декады октября 2023 года.
В первой декаде августа в диапазоне от 0,01 до 0,03 п.п. повысились ставки на большинстве сроков. Только по коротким вкладам до трех месяцев зафиксировано небольшое снижение доходности (на 0,01 п.п.).
Средние максимальные процентные ставки по вкладам в топ-10 банков в зависимости от срока в первой декаде августа составили:
на срок до трех месяцев — 12,33% годовых (-0,01 п.п. к третьей декаде июля);от трех до шести месяцев — 12,65% годовых (+0,02 п.п.);от шести месяцев до одного года — 12,48% годовых (+0,03 п.п.);свыше одного года — 11,47% годовых (+0,01 п.п.).
Средние ставки по вкладам
«РБК Инвестиции» подсчитали среднюю максимальную ставку по вкладам в топ-10 крупнейших банков. На 12 августа в зависимости от срока она составляет:
на три месяца — 13,46%;на шесть месяцев — 13,27%;на один год — 12,25%.
При расчете средней максимальной ставки учитывались вклады на сумму от ₽100 тыс. без дополнительных условий, кроме новых денег или новых клиентов. Все ставки указаны в эффективном размере (для вкладов с капитализацией дана максимальная доходность при выполнении этого условия) без возможности снятия и пополнения счета.
Почему ставки по вкладам выросли после заседания ЦБ
С момента последнего заседания ЦБ, которое прошло 24 июля, средние максимальные ставки по вкладам в топ-10 банков значительно выросли. Как паодсчитали «РБК Инвестиции», по состоянию на 12 августа, доходность трехмесячных вкладов выросла на 0,08 п.п., полугодовых — на 0,15 п.п., а годовые вклады прибавили 0,25 п.п.
Тренд на повышение ставок наблюдается еще с июньского заседания ЦБ, с тех пор все крупнейшие банки так или иначе улучшили условия по сберегательным продуктам. Эксперты пояснили «РБК Инвестициям», что они вынуждены поддерживать привлекательные условия по сберегательным продуктам в связи с высокой конкуренцией на рынке и необходимостью удерживать ресурсную базу.
Тем не менее, опрошенные аналитики сошлись во мнении, что рост ставок носит временный характер и в долгосрочной перспективе, как только банки адаптируются к новому уровню ключевой ставки и завершат перераспределение средств, ставки по вкладам пойдут вниз.
«В августе и осенью вероятен сценарий постепенного снижения доходностей, хотя процесс может идти неравномерно — с паузами или локальными всплесками в зависимости от ситуации с ликвидностью у банков», — прокомментировала руководитель направления экспертной аналитики финансового маркетплейса «Банки.ру» Инна Солдатенкова.
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In July, non-residents from friendly countries shifted from net sellers to net buyers in the stock market. The net purchase volume on their side (the difference between purchases and sales) reached ₽15.3 billion, the highest since November 2020. The Bank of Russia reported this in its “Review of Risks to Financial Markets” for July.

The Berkshire Hathaway conglomerate, led by its new CEO Greg Abel, reduced its cash reserves in the second quarter, according to a report published on August 8.
By the end of June, Berkshire had $364.7 billion in cash and short-term U.S. government bonds—4% less than in the previous quarter. Among Berkshire’s largest deals in the past quarter were additional investments in Alphabet shares worth $10 billion and the acquisition of homebuilder Taylor Morrison Home for $6.8 billion, The Wall Street Journal reports. In addition, Berkshire repurchased its own shares for roughly $4.5 billion.

Evercore published a quarterly report comparing the performance of Seagate Technology and Western Digital hard drives for June 2026, focusing on differences in exabyte shipment growth and gross margin dynamics.
Seagate increased exabyte shipments by 34% year over year—to 218 EB, while Western Digital recorded 22% year-over-year growth—to 231 EB. The gap was more pronounced in the nearline segment: Seagate shipments rose 43% year over year to 195 EB, while Western Digital’s growth was 23%—to 209 EB.

Commerzbank CEO Bettina Orlopp plans to hold talks with UniCredit management (BIT:UCG) in early August, as the Italian bank is nearing the establishment of control over its German rival, Bloomberg reported on Saturday.
A video conference scheduled soon after the publication of Commerzbank’s second-quarter results may kick off discussions about the bank’s future structure and leadership. Talks may continue for several months.

Large technology companies that have their own subsidiary banks—Wildberries, Ozon, Yandex, and MTS—are interested in buying a stake in the National Payment Card System (NSPK), the Mir card operator, and the System for Fast Payments (SBP). This was reported by Expert, citing a source close to the Central Bank, and three sources familiar with the companies’ positions.

Sony (TYO:6758) reported a sharp rise in profit in the first fiscal quarter on Friday, while also raising its full-year outlook thanks to strong performance from its gaming and semiconductor divisions.
Operating profit for the three months ended June 30 jumped 40% year on year to 476.5 billion yen ($2.97 billion), Sony said in a statement.

Coinbase Global reported lower revenue and a net loss in the second quarter: weaker trading activity in the crypto market hit transaction income. At the same time, the exchange continued to grow its market share and expand its more margin-accretive subscriptions and services business. Following the earnings release, the company’s shares fell by nearly 6% in evening trading.

Shares in Shearwater Group PLC (LON:SWGS) rose 13.2% after the cybersecurity and managed security services company said it expects to beat market forecasts for full-year revenue and adjusted EBITDA.
The company expects revenue of approximately £42 million for the year ending 30.06.2026, representing annual growth of about 33% compared with £39.5 million for the previous 15-month period. This outlook exceeds current market expectations of £35.5 million. The company also forecasts adjusted EBITDA of £2.5 million, which corresponds to annual growth of 41% compared with £2.2 million in FY25, while market expectations were £2.4 million.

Assets of exchange-traded funds (ETFs) in Brazil have grown to about 116 billion reais ($22.8 billion), nearly tripling over the past two years: investors are seeking tax-efficient investment tools in the country’s high-yield debt markets.
BTG Pactual Asset Management and Itaú Asset Management are among the companies that expanded their ETF operations to meet growing demand. BTG’s ETF business has grown to more than 20 billion reais from roughly 1 billion reais at the end of 2024. Investo, supported by VanEck, increased assets to more than 11 billion reais from 1.7 billion reais in nearly two years.

1. What is the digital ruble?
Who is it for and why is it needed?
The digital ruble is a digital currency of the Russian central bank (central bank digital currency, CBDC). Essentially, it’s just a digital code—the third form of the national currency, alongside cash and non-cash options. All operations with the digital ruble take place on a special platform of the central bank. Access to it has been promised to every commercial bank and every Russian citizen. The authorities have announced that they will distribute CBDC in the form of payments from the state budget, salary payments to government employees, and pensions.

The Chinese economy will likely lose momentum over the next six to nine months: weak demand for credit, a protracted real estate market crisis, and slowing exports will outweigh an acceleration in budget spending, analysts at BCA Research believe.
Economic activity slowed sharply in the second quarter amid weakening investment and domestic demand. It is expected that at the Politburo meeting at the end of July, the authorities will speed up the implementation of measures that have already been approved, rather than announce large-scale economic stimulus.

The European Central Bank (ECB) on Thursday, 23 July, on its website presented 10 design options for all six euro banknotes (denominations of 5, 10, 20, 50, 100 and 200 euros). On five of them, united under the theme "European culture", outstanding cultural figures related to the continent are depicted, and on five more, titled "Birds and rivers", birds that inhabit the countries of the European Union are shown. Visitors to the portal were invited to take part in an online survey and share their opinion on the new banknotes by 21 September.

Goldman Sachs Group Inc. and JPMorgan Chase & Co. unveiled new products this week that allow investors to manage their exposure to debt securities in the technology sector. This comes amid growing concern about potentially large bond offerings by the largest cloud providers to finance investments in artificial intelligence.

Malaysia issued two-tranche Islamic bonds totaling $1.5 billion, for the first time in more than three years entering the international dollar market.
The debt securities were issued through Malaysia Sovereign Sukuk Berhad, with the Malaysian government acting as the obligor. The offering structure includes a $850 million tranche with a 5¾-year tenor and a $650 million tranche with a 10-year tenor, according to the placement terms.

BNP Paribas SA (EPA:BNPP) reported a sharp rise in profit in the second quarter on Thursday, as record trading activity in equities, growth in revenue from its retail banking business and disciplined cost management boosted the French lender’s income.
Net profit increased by 33% year over year to €4.35 billion, while revenue grew by 12% to €14.1 billion. Operating expenses rose by 10% quarter over quarter, partially offsetting the stronger revenue figures.

What will change for business/traders and others
— When and exactly how should cryptocurrency trading in Russia change — for a business that makes money from crypto, for crypto traders, for Russians who rarely interact with crypto (e.g., for paying for purchases abroad)?