The first years of the project will bring more modest results from September 2026 to 30-50 billion rubles for business and 5-8 billion for banks. Financial institutions will have to invest with 200-300 million rubles for technological integration and total sector costs will be 30-50 billion rubles.
Experts note possible risks for banks: the output of funds to the accounts of the Central Bank, reducing the passive base and a decrease in commission income. In pessimistic scenarios until 2027, banks can make a profit of 45-95 billion rubles.
Quantum calculations that can create new tools to hack a digital ruble pose a special threat. However, until 2029, the economic impact should be distributed more equally to all sectors of the economy.
Source: Ferra
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