According to researchers, by 2031, the banking sector could receive up to 50 billion rubles a year from the large-scale implementation of the digital ruble. In the coming years, the economic effect could amount to up to 50 billion rubles for all Russian companies and up to 8 billion for banking institutions.
At the same time, banks could currently lose up to 10% of net profit due to the outflow of clients to new services, experts emphasized. However, after the full implementation of the third form of national currency, the banking industry could expect to receive an additional profit of between 17 and 60 billion annually due to new products, analysts believe.
Earlier, the Bank of Russia sent a proposal to the State Duma to amend the legislation and change the launch dates of the digital ruble. From September 1, 2026, the largest banks must start offering clients operations with the 'state stablecoin', the Central Bank proposed.
