Russian enterprises welcomed the fall of 2026 with impressive money in their bank accounts and an uncomfortable question: why rush to get a machine if the bank pays for the wait? According to the Central Bank, as of September 1, organizations had 66.9 trillion rubles, and the population - 68.5 trillion. A total of 135.4 trillion. In August, corporate growth was driven by oil and gas and energy companies. While money earns interest, industrial equipment continues to age. Temptation has a very official rate. The Bank of Russia estimated the average rate on short-term corporate ruble deposits in August at 12.8% per year. Placing a conditional free billion for a year with fixed profitability will bring 128 million rubles before taxes. The machine will first require payment, shipping and setup. So he needs orders and workers who can provide output. The business owner sees 2 different schedules: bank interest accrues immediately, industrial profit comes after the start of sales. The situation of an enterprise that does not have enough of its own funds for modernization is not very pleasant. The rate of average short-term corporate loans in August reached 17.9%. It turns out that this is a double blow: a bank deposit rewards postponement, a bank loan increases accelerated purchases. Different projects have their own payback periods. But the order of decision-making is clear. To refuse deposit income, the owner must see compelling future income from the new equipment and the ability to survive the launch. On October 23, the central bank kept the main interest rate at 14% per year. The chairman of the central bank, Elvira Nabiolina, explained the decision by increased price pressure. To fight inflation, this is a conscious choice of the regulator. For the venture, this means at the same time that financial income remains an expensive competitor to capital investment. The electricity savings from a new machine pays for itself over the years, and the percentage is already visible in the statement. Oil and gas money cannot be attributed entirely to a refusal to develop.

Russian enterprises welcomed the fall of 2026 with impressive money in their bank accounts and an uncomfortable question: why rush to get a machine if the bank pays for the wait? According to the Central Bank, as of September 1, organizations had 66.9 trillion rubles, and the population - 68.5 trillion. A total of 135.4 trillion. In August, corporate growth was driven by oil and gas and energy companies. While money earns interest, industrial equipment continues to age. Temptation has a very official rate. The Bank of Russia estimated the average rate on short-term corporate ruble deposits in August at 12.8% per year. Placing a conditional free billion for a year with fixed profitability will bring 128 million rubles before taxes. The machine will first require payment, shipping and setup. So he needs orders and workers who can provide output. The business owner sees 2 different schedules: bank interest accrues immediately, industrial profit comes after the start of sales. The situation of an enterprise that does not have enough of its own funds for modernization is not very pleasant. The rate of average short-term corporate loans in August reached 17.9%. It turns out that this is a double blow: a bank deposit rewards postponement, a bank loan increases accelerated purchases. Different projects have their own payback periods. But the order of decision-making is clear. To refuse deposit income, the owner must see compelling future income from the new equipment and the ability to survive the launch. On October 23, the central bank kept the main interest rate at 14% per year. The chairman of the central bank, Elvira Nabiolina, explained the decision by increased price pressure. To fight inflation, this is a conscious choice of the regulator. For the venture, this means at the same time that financial income remains an expensive competitor to capital investment. The electricity savings from a new machine pays for itself over the years, and the percentage is already visible in the statement. Oil and gas money cannot be attributed entirely to a refusal to develop.