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The Russian central bank defends its high interest rates while warning of the risks associated with oil prices

In a report published on Wednesday, the Russian central bank defended their tight monetary policies, saying that high rates contributed to a slower lending pace and signs of deflation. However, they cited low oil prices for a major risk to the Russian economy.

The central bank has been battling high inflation for months, and has resisted the growing pressures to lower borrowing costs. At the same time, critical companies have cut back on their investment plans, while government officials are complaining about a slowing economy.

On Monday, Economy Minister Maxim Reshetnikov said that the cooling economy faced "hypothermia", and urged the Central Bank to consider the slowing inflation when they next meet to set interest rates in June.

In a review of financial stability, the bank said that "tight monetary policies are a temporary factor and necessary for a sustained reduction in inflation." It has kept its key interest rates at 21% since last October.

The central bank sought to cool the overheating caused by the military spending boom in the past two years with higher rates. The growth of Russia's domestic product slowed from 4.5% to 1.4% during the first quarter.

The bank stated that external conditions are still difficult. It cited risks such as global market volatility and trade wars, along with the possibility of increased sanctions towards Moscow.

The bank warned that further drops in the prices of Russia's export products, notably oil, could be a "key" risk for Russia. Price drops can affect exporting companies' revenue and, therefore, the budget.

The bank stated that the overall risk to financial stability is limited because of Russia's low level of debt and its reserves, which were accumulated over years with high oil prices.

The bank stated that the increased credit restructuring of large and medium-sized Russian firms at the end March was only a temporary phenomenon, expressing its confidence that most companies are resilient to interest rate risks.

The bank stated that banks should still conduct regular stress testing to ensure the stability of corporate loan portfolios.

(source: Reuters)