I have refused your application for a visit visa because I am not satisfied that you meet the requirements of paragraph(s) V4.2 of Appendix V: Immigration Rules for visitors because:
You have applied to visit the United Kingdom for five days the purpose of tourism. In assessing your eligibility for entry to the UK I have considered your personal and financial circumstances as evidenced by your application form and supporting documents.
You state that you are employed by ***** JSC as an engineer, earning £673 per month. I acknowledge that you have submitted an employment letter as evidence of this employment. Your supporting information does not demonstrate that you have any other source of income. You state that you spend £250 per month, leaving you with a monthly disposable income of £423. You say you are planning to spend £400 on your visit to the UK and that no one else will be contributing towards the costs. It lacks credibility that this amount would be sufficient to cover the combined costs of return air travel, hotel accommodation in London and living expenses for a five day stay. In the absence of a more credible estimate of your expenditure, I am not satisfied that your likely expenditure is proportionate to your current economic circumstances.
As evidence of your finances you have submitted a statement of account from SberBank indicating that an account in your name held funds of 114,423.19 RUB on 09/09/2019 (£1,425,71 at an exchange rate of £1 = 80.14 RUB; Oanda 02/10/2019). It lacks credibility that you would choose to spend such a significant proportion of your savings on this short tourist visit. This leads me to doubt your intentions in seeking to visit the UK for the limited period and purpose stated.
The factors mentioned above have not been taken in isolation but considered collectively. They damage the overall credibility of your application. From the information on your application form and the documents you have submitted, I am not satisfied that you intend to leave the United Kingdom or that you are genuinely seeking entry as a visitor. I am also not satisfied that you are able to cover all reasonable costs in relation to your visit without working or accessing public funds. Your application is therefore refused under paragraph V4.2 (a), (c) and (e).