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4 шока потребительского спроса на графиках

• Шок февраля'22 был вторым по глубине падения потребительского спроса...

... и вторым по скорости восстановления после

• Непродовольственная розница реагирует на шоки сильнее – что логично – дополнительную волатильность создает потребительское кредитование

• Потребительский спрос продолжил расти – розничная торговля выросла на 8% SAAR в сентябре и прибавила уже 11% с начала года

💡В остаток года рост розницы должен замедлиться вслед за необеспеченным потребительским кредитованием – до 6.5–7.5% г/г с двухзначных темпов последних месяцев

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4 шока потребительского спроса на графиках

• Шок февраля'22 был вторым по глубине падения потребительского спроса...

... и вторым по скорости восстановления после

• Непродовольственная розница реагирует на шоки сильнее – что логично – дополнительную волатильность создает потребительское кредитование

• Потребительский спрос продолжил расти – розничная торговля выросла на 8% SAAR в сентябре и прибавила уже 11% с начала года

💡В остаток года рост розницы должен замедлиться вслед за необеспеченным потребительским кредитованием – до 6.5–7.5% г/г с двухзначных темпов последних месяцев

@xtxixty

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But Telegram says people want to keep their chat history when they get a new phone, and they like having a data backup that will sync their chats across multiple devices. And that is why they let people choose whether they want their messages to be encrypted or not. When not turned on, though, chats are stored on Telegram's services, which are scattered throughout the world. But it has "disclosed 0 bytes of user data to third parties, including governments," Telegram states on its website. Pavel Durov, a billionaire who embraces an all-black wardrobe and is often compared to the character Neo from "the Matrix," funds Telegram through his personal wealth and debt financing. And despite being one of the world's most popular tech companies, Telegram reportedly has only about 30 employees who defer to Durov for most major decisions about the platform. In this regard, Sebi collaborated with the Telecom Regulatory Authority of India (TRAI) to reduce the vulnerability of the securities market to manipulation through misuse of mass communication medium like bulk SMS. Right now the digital security needs of Russians and Ukrainians are very different, and they lead to very different caveats about how to mitigate the risks associated with using Telegram. For Ukrainians in Ukraine, whose physical safety is at risk because they are in a war zone, digital security is probably not their highest priority. They may value access to news and communication with their loved ones over making sure that all of their communications are encrypted in such a manner that they are indecipherable to Telegram, its employees, or governments with court orders. Russians and Ukrainians are both prolific users of Telegram. They rely on the app for channels that act as newsfeeds, group chats (both public and private), and one-to-one communication. Since the Russian invasion of Ukraine, Telegram has remained an important lifeline for both Russians and Ukrainians, as a way of staying aware of the latest news and keeping in touch with loved ones.
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