Financial authorities have the potential to make changes or modifications to the Russian currency, the ruble, according to Andrei Kostin.

In a recent interview with Russia 1, Herman Gref, the CEO of Sberbank, expressed his belief that the current savings model in Russia could lead to a decrease in demand for imports, potentially causing the Russian ruble to weaken to 85-90 rubles per US dollar by the end of 2025.

Meanwhile, Andrey Kostin, the CEO of VTB, has expressed uncertainty about the practical implications of the current exchange rate. However, in June, he noted that a slightly stronger ruble than the current rate poses risks for Russia's GDP. Kostin previously stated that the current strengthening of the ruble is not beneficial to the economy.

Interestingly, neither Gref nor Kostin have specified the specific economic factors that could lead to the strengthening or weakening of the ruble.

Gref also suggested that the lifting of sanctions or a change in consumer behavior could significantly weaken the ruble, providing a significant boost to the economy. On the other hand, Kostin believes that a ruble-dollar exchange rate of 90 would not be excessive.

Global macroeconomic models and analysts at Trading Economics forecast the ruble to trade around 84.45 to 85 against the US dollar within the next 12 months based on recent data and trends. However, it's important to note that there is no specific individual named in the search results who predicted that the Russian ruble would depreciate to 85-90 rubles per US dollar by the end of 2025.

Gref's concerns about the current overstrengthening of the ruble echo his belief that the Russian national currency is currently overstrengthened. These contrasting views from the two CEOs highlight the ongoing debate about the impact of the exchange rate on Russia's economy.

Financial authorities have the potential to make changes or modifications to the Russian currency, the ruble, according to Andrei Kostin.