love, truth, are the pillars of stability and the foundation of our struggle. i wish that the spiritual content of the holidays will inspire everyone to continue working tirelessly for the sake of approaching victory, and the driving force in this will be love for neighbors and trust in our defenders. let the christmas carol sound for everyone, and especially for our soldiers, enveloping christmas with warmth, warming the soul and body. i wish you, your family and friends, a merry christmas. joy and a blessed and victorious new year. christ was born, let's praise him. good evening, we are from ukraine. let's get back to the conversation, the big ater is going on, now the money is during the war, oleksandra morchyvka is next to me. alexander, congratulations. i congratulate the audience, thank vasyl for his word, in the next few minutes i will tell you about such a gift from international partners. how much

our international donors gave for the christmas tree, but you will also find out how the ukrainian hryvnia ends this year, what taxes are for the banking system, all about this in detail in a moment, wait a moment, i am oleksandr morshchevko, congratulations, this is a column about money during war, i will start with the one important for the ukrainian budget. numbers the world bank transferred 1,340 million dollars to the ukrainian treasury. this is the amount under the project, which is called the support of public expenditures to ensure sustainable public administration. according to the ukrainian ministry of finance, the money will be used for partial compensation of expenses not related to security and defense, in particular for pensions and expenses for civil service employees in emergency situations. this time the world bank lent us the lion's share. money under the guarantee of the

japanese government, and the rest was provided by norway, the united states states and switzerland. medium and large enterprises receive 15 million dollars in non-refundable funds. such a total amount means that one business can have a grant from 250 thousand to 2 million dollars. the funds are from the international development agency of the united states, usaid. you are invited to participate in this program. now, enterprises with an estimated minimum volume of annual sales at the level of 8 million dollars in hryvnia equivalent, therefore , entrepreneurs should direct the grant to the development of their own business, such and such a targeted allocation of funds, in particular, to increase sales, build up export and create new jobs. the business must submit the concept no later than february 29, 2024. next, we

talk about money with andrii dubas, president of the ukrainian banks association, he is on the phone, good evening, good evening, merry christmas. let's praise him, mr. andrii, well , today we will sum up how the ukrainian banking system has experienced and will continue to experience 2023. well, in my opinion, if compared with last year, this year ukrainian banks worked no worse than swiss banks in terms of conditions. to speak, well let 's start with the extent to which the banking system was able to stand on such military rails and protect itself from cyber attacks, defend itself against such market challenges that ukraine has during the war, let's start with the extent to which the ukrainian banks really withstood and survived and were not classified as such categories of insolvent, analyze the situation. if we talk about

the 22nd, about the 23rd year that is passing, then in general the situation was quite controlled, because i always call the 22nd, 23rd, 24th year in this way: the 22nd year is the year shocks when we they just put out the fires as best they could. in the 23rd year, we realized that we are living in an ongoing military conflict, in the aggression of the russian federation against ukraine, and two. the 24th year, i hope that this will already be an adaptation and an exit to the growth trajectory in various parameters, this is my personal assumption, regarding banks, this year several banks were withdrawn from the market and it was not connected with their solvency, and two banks were withdrawn due to violations of financial monitoring, and if i am not mistaken, one bank was declared insolvent for its financial activities, that is, for the conditions of wartime, for the conditions when full-scale aggression we... at the beginning of the year were just

moving away from blackouts and from the purchase of generators, starlinks and so on, that is, i believe that this is not the worst result , this year many factors contribute to... the banking system, this is, for example, the balanced policy of the national bank, which led to the fact that inflation was gradually, gradually narrowed to a mark of even 6% according to the results, about 6% according to the results of this year, and fixed the exchange rate was fixed for almost half of the year, for most of the year, already in october the national bank released the exchange rate and in this so-called managed flexibility i... i believe that this was positive both for banks and for customers, and in general for the state, because we are returning to a certain such volatility, seasonality, which was in ukraine before the beginning of the war, before the beginning of the full-scale invasion. on the other hand, i evaluate the results

of stability or reliability of banks or the banking sector as a whole according to one such rather indicative indicator: whether do people trust us the public? citizens of ukraine, banks can see one piece of information about whether the volume of funds of individuals, that is, the population, citizens of ukraine in the banking sector is growing. at this moment, we have been observing literally six, maybe even seven months of constant growth, gradual, small growth in the amount of deposits of individuals in the banking system. why this indicator is important to me, because you know, if the business is forced to work in idleness. operations and actually keep the funds on the account, to open accounts and so on, the public is not obliged, but if people keep funds in banks on a current account, on deposit funds, and the volume in the system is constantly growing, it is already more than 1 trillion hryvnias, this means that our banks provide quality

services and people are generally satisfied with them. mr. andrii, how powerful do you think the blow of creation was? levy on the excess profits of the banks, the tax was raised, and how much will it affect the fact that loans will become more expensive, for example, for the population and businesses from next year, and the rates for deposits, on the contrary, will fall , well, you say, deposits are indeed growing, but if banks have to pay a tax, it will be unprofitable to carry hryvnias to financial institutions, i disagree with you, you carry hryvnias to financial institutions today is... very profitable, let me explain in two examples: firstly, inflation is very low today as a result of the year, the consumer price index is about 5.6 5.8%, this is a very low indicator for today, while banks offer deposits in hryvnias at 15,

14, 16%, in depending on the period, since and from the discount rate, so in order to cover the negative factors of inflation and even to... earn extra money, i believe that it is very profitable to keep the hryvnia resource on deposits in banks, if we talk about the additional tax, which is unexpected for us, all bankers was determined literally a month ago, so it was a shock for us for two reasons, the first - due to the fact that the past 23rd year was taxed at a retrospective rate, that is, when the banks lived by the fact that the profit tax will be 18% for the whole year , at the end of the year they learned that it will be 50%, it was the first such shock, the second is that, well, it only applies to one industry, but you know, if you move away from all the emotions and so on,

we had many discussions with the parliamentarians and with the national bank, and with other authorities, today this is a big shoulder of support for our state budget, especially in the conditions of... such not so rhythmic financial assistance, and therefore banks, realizing that it is for profit, nevertheless, realizing that it is negative shareholders will also react and so on, they agreed and accepted it, we we're just now determining how big the effect is going to be for the budget, and if it's necessary, then it's necessary, but we would still like to see some concept presented, you know, of a national revenue strategy, where if we raise... taxes, then we raise taxes in all sectors, will it affect the growth of lending and deposit rates, you know, at first glance, it seemed to me that yes, but when we looked at the situation, for example, today, when inflation is low, discount rate gradually

if the national bank lowers, then it may turn out that this spread between slightly, let's say, higher loan rates and lower deposit rates, it may be. very minimal, since the accounting policy of the national bank today is aimed at lowering rates, at lowering the discount rate, and it entails everything else, so i think that it will be beneficial for... the public to continue to keep deposits in hryvnias and use hryvnia loans, especially since today you know, 80, more than 80% of the loan portfolio, which a new one is issued, these are loans with an additional state subsidy, that is, programs such as 5.7 or others, they help entrepreneurs pay an interest rate lower than the market rate, so i think everything will be fine, the hryvnia is in safe hands today. thank you for your participation, andrii dubas, president. was in touch with the association of ukrainian banks, indeed, according to the expert, the vasilebank system has adapted, it is working, this

year, well, next year, the nbu does not even rule out that they will continue to lower the discount rate of the national bank, well, it is like this an important factor is that the lower the rate, the more stable the prices, the inflation is falling, the stronger the hryvnia, the more it really is, as andriy dubas says, profitable to deposit and profitable to take. loans, well, we monitor this, and i also monitor the economy of the aggressor country, so russia is preparing for sanctions against the moscow stock exchange, they may lead to the termination of trading on the stock market in dollars and euros. this was announced by the head of the central bank of russia, elvira nabiulina. according to her, the russian authorities have a plan for this case, about which one, well, no it is said that the ruble exchange rate will not fall significantly after the closure of the brain exchange, he says. head of the central bank of ukraine agresorka. however, the introduction of restrictions against the exchange could

lead to a sharp drop in the prices of russian stocks and bonds, as well as to the continued outflow of foreign capital. that is, it is clear that the closure of the moscow exchange may lead to more companies leaving the moscow market. also , foreign shareholders stopped participating in the largest gas project in refia. were affected by sanctions, again, we are talking about a plant with production of liquefied natural gas arctic lng 2. this is reported by the russian publication kommersant. this undermines the plans of the aggressor country to increase its share of the world market from the current eight to 20%. the merchant notes that the situation may lead to the fact that arctic lng 2 will lose long-term energy supply contracts altogether, and novatek, which owns this project. will have to independently spend on the work of this object, well, traditionally, the holidays

are happy, but this year, as well as last year, during the great war, one has to count one's expenses for the new year's table, in particular , our correspondent iryna skrypacheva found out how much the people of kremenchuk are willing to spend to meet the new year holidays. let's see the plot. the usual marketing move for the new year, champagne near the cash registers in one of kremenchuk's supermarkets. the townspeople , when calculating the expenses for the new year's table , mention alcohol as something on which you can save. people say that they do not count on a large amount for a family of four people 2000 hryvnias and it is much more modest than usual, - says mrs. victoria. salads, of course, there is a sweet table, meat dishes. there will definitely be something with poultry, because it is cheaper that you can take it, well

, you should go to the central market for tasty poultry like this, mr. volodymyr, who grows poultry himself, claims that there is a demand for it, such an average chicken weighs for 400 hryvnias, 150 per kilogram, people are used to always preparing villages for the holidays, so they take them, so it is already established that the new year's table should be a table, they are accustomed to it and take it. and you for you cook yourself, of course, but what do we eat, but is there any such interesting recipe? oh, honey , it’s my job to eat what’s being prepared, usually men cook better, no, no, i don’t cook, i only eat at the table, as of mid-december, according to the calculations of scientists of the institute of agrarian economics, the traditional new year’s table 2024 for a family with four people will cost uah 2,864, which is... 8% more expensive than last year, among products whose prices have increased - meat, chicken, vegetables,

butter, dairy products, but kremenchug meat sellers complain that last year the prices were higher and there were more buyers, this year it is exactly the opposite , the prices are already being reduced, but the buyers are not added, mostly legs, legs are asked for, jello, for jello, yes, yes, yes, and what is cheaper, what is expensive meat? they don't take veli koche as no one asks , the most expensive meat is now, well, we have the back net soft 180. and the front in general 160, but the prices of fruits have decreased by almost 10% over the year, they take very well, tangerines, now blueberries are taking very well, kiwis are taking, orange spain, the sweetest, very tasty, and if the cheapest is a tangerine now, it is currently on sale for a lot, it is

tasty, without a stone, and the most expensive, the most expensive. probably pineapple, who can't afford a pineapple for 200 hryvnias, you can buy such home-made christmas goodies for 10 hryvnias. well, these are homemade products, but tell me about the natural ones. and how much is it per piece, as you sell it, so we can give it to you for free, and it costs uah 5-10 per piece. many of the people we interviewed believe that it is not the right time to celebrate the new year because of the war continues, we won't spend anything at all, we don't even buy a christmas tree, but why not at the same time, now my husband is working, well

, it's a holiday for four days, i came to see him for dismissal. everything, we don't have a holiday in our family, we will have a holiday when there is a victory. iryna skrypacheva and mykyta litskevich from kremenchuk for the espresso tv channel. this was the last material from the economic column, i will say goodbye to you, but the big broadcast continues. vasyl zima continues it, watch us. thanks to oleksandr morchivka for his work and for. the plot will be brought to your attention: in one of the largest cities of the kingdom of sweden, gothenburg, the ukrainian diaspora started celebrating christmas. the christmas carol is being organized for the second time, not only ukrainians, but also swedes join in the action. here, everyone has the opportunity to listen to ukrainian carols, enjoy traditional christmas cuisine and chat with each other.

yulia kyzyk will talk about how ukrainians in scandinavia celebrate christmas. feast holiday water baptism rejoice. a ukrainian carol that resounds around the world. this is the goal they set before themselves the organizers of the event in gothenburg - says mrs. olesya. and they also want our children to remember their native traditions even in a foreign country. for us, the most important thing is to preserve these traditions in the world so that children remember ours. native carol, which is practically a symbol of our nation at this christmas time. it is very important that this is not lost among them, they will grow up, they will adapt in completely different conditions, but it is extremely important that they had something called ukraine in their hearts. the christmas carol was organized by

the ukrainian sunday school of gothenburg. many ukrainian refugee children study here. they study their native language. olesya, the founder of the school, says: last year the community had about 3.5 hundred children, but now there are half as many families left in sweden. people do return to their native ukraine, and this is gratifying, because somewhere they have already gained some experience here, but those who are practically forced to be here, somewhere within the 100 families that currently attend our... school, we wish you the host , to enter, for years and centuries we have lived in a culture of inferiority, destroyed our culture, our traditions, and we want to show who we are, that is, show our identity and declare ourselves, that ukrainian culture exists, that ukrainian traditions exist, and we need to

spread it and tell the whole world about us. katya is 18, the girl came from kyiv to sweden. already two years ago, she had to leave her native city due to russian aggression, adaptation in a foreign country is not easy, - says katya. despite this, the girl managed to find a job and enroll in a bachelor's degree at a swedish university. all the same, the ukrainian woman appreciates it very much every opportunity to see and communicate with compatriots, which the sunday school gives her. what to maintain ties with ukraine and to maintain ties with ukrainians in the first place, because it is not very easy to adapt here. quite easily, including all the features of the mentality of the people here. shveds joins the ukrainian carol for the second time. the man says, at the beginning. great war. when ukrainians started arriving in sweden, he couldn't stand aside, so he started helping the refugees, which he still does. the man tells, he even already has his own embroidery,

which i received as a gift from the ukrainians. of course, we want to celebrate christmas with our ukrainian friends. i am very happy, i received such a shirt as a gift from them. i am convinced that the swedes continue to actively help ukrainians. they are welcome here, and we want them to feel that way. from sweden, yulia kyzyk, for espresso tv channel. ukrainian carols and carols are heard wherever there are ukrainians in this difficult time, and ukrainian culture is alive despite the war and even flourishes. meanwhile, the employees of the institute celebrate the rest. here the books are deeply concerned, they claim that the state owes them almost uah 45 million, the book publishing program and the popularization of ukrainian literature in the world are in question. in their address, the representatives

of the institute emphasize that it is about the international reputation of ukraine, lina chechenina, will you tell me what is the essence of the matter? well, while we are talking about the flourishing of ukrainian bookstores, which open almost every week in kyiv, there are indeed problems for them. already in a second, so it's time to be concerned about the ukrainian book institute, and it's about the three programs that they conducted in 2023, and as they allege, the representatives did not receive compensation from the state, we are talking about those programs that the organizers did at their own expense and are now waiting for these compensations. well, first of all, it is about ukrainian publishers , who also published their various books and shipped them to ukrainian bookstores, they did not actually receive the amount of money in the amount of 33

million. next, it is about the organization of events to promote reading, because the ukrainian book institute is engaged in this and and and thereby also the popularization of reading, so that ukrainians read more, here are five such measures, also theirs. the organizers did not receive compensation, and the most important thing is about 10 million with a tail owed to a foreign publishing house, all this is within the framework of the translation support program, which is called translate ukraine, that is, translations of ukraine, this is done by foreign publishing houses that translate understandable ukrainian literature, then somewhere they are sold there in various bookstores, and they, too, did not receive compensation, representatives of the ukrainian institute of books they say that this is a very, very dangerous situation. they say that this calls into question the further cooperation of the ukrainian book institute with these publishing houses, after the publicity it will be even more difficult for us to find those who are interested in publishing ukrainian books

abroad in the following years. let's listen to what they write to themselves in social networks. despite the full-scale invasion, ukrainian foreign participants stayed away and supported projects designed to develop ukrainian culture and book publishing, in particular. we are very sorry. that the state cannot to reimburse the costs, thus further worsening the situation in which the ukrainian book publishing industry found itself, we hope for a quick and effective solution, well, we all hope too, because there really are not so many ukrainian books in foreign bookstores around the world, we need to make up for it and accordingly , it is more powerful to cooperate with foreigners, and also a scandal, i hope there won't be one, but what about eurovision without a scandal? the fact is that very recently they chose the 11th semi-finalist at eurovision because of the action, it the singer anka with the song palala, and

another singer natalya valevska has now declared that it is possible that this is a plagiarism of her song, which is also called palala, she does not directly accuse anka, but asks her followers on instagram what they say, let's not figure it out, because not only the title, but also the images are similar, well, let's listen to these two songs and compare. i personally think that it is not very similar, but the words really resonate, let me remind you... that the semi-finals of the eurovision song contest in ukraine will take place on february 3, namely eurovision song contest on may 11 in the swedish city of malmén, that's all i have, stay with espress. thank you very

much line of chechens, i hope that the debt will be repaid to the book, to the institute of the book, and now about what the weather will be like in ukraine, tomorrow natalka didenko will tell us , mrs. natalya, christ was born, you have a word, we praise him, i congratulate everyone , we will talk about the weather and carols, about everything that is interesting and pleasant and useful to us, literally in a second. christ is born, i congratulate everyone with a glorious christmas, the brightest holiday, and we will talk today about carols, the most appropriate topic today, i think, so what are carols, well, of course we all know very well

that they are such about... old songs of the winter cycle, and in fact, carols of course appeared long before christianity, and then they are usually associated primarily with christmas. the first known christmas hymns, well observed, were recorded before the century in rome. in the middle ages, christmas carols were performed only at liturgies, carols were the most common, and yet i am not afraid to assume that the most diverse and most numerous are precisely in ukrainians. well, also a little more history, for example, in the 12th century, a parisian monk began to use music from popular songs as carols, and in the 13th century , under the influence of francis of osijsky , the tradition of new year and christmas songs in already different languages ​​was formed, and of course the most popular carols in ukraine, which everyone, as a rule, knows, everyone sings, it's good evening to you, new joy has risen,

it's news all over the world. we're done with christmas carols - now we're moving on to our traditional subtopic: magnetic storms, but what about without them, of course you need to know and now bring to your attention the prognostic diagram, from it we will see what will be observed tomorrow, well, with a very slight activation, she even said that it is just fluctuations, that is , there will not be any magnetic bulls threatening for well-being or for communication, for example, therefore, we move on to the actual weather forecast, and we will see together with you what the weather will be like in each of them. region of ukraine. so, we start with the western regions. well, it's no secret that warm weather has settled in everywhere now, and tomorrow will also be mostly warm. well, not easy it's march, it already looks like some kind of april, because as you can see, 10-14° of heat will be in the west of ukraine tomorrow, although it's cloudy, with some rain. warm weather will also prevail in the north of ukraine. the air temperature will be high, the maximum air temperature will range from 8 to 10 to 11 degrees celsius.

but there will be wet weather with rain. in the east of ukraine, cloudy weather will prevail in kharkiv oblast, luhansk oblast, and donetsk oblast, but there will be no significant precipitation, it will be slightly cooler, +5-7°. in the central part of ukraine, it will also mostly be cloudy, damp, but somehow serious rain is not expected, because the temperature, well, why the rain, is understandable, because the air temperature, as you can see, is high, +10, +12°. in the south. variable cloudiness will prevail in parts of ukraine tomorrow, significant precipitation is not expected, the air temperature is naturally high, +11 +14°. rain is expected in kyiv tomorrow. the air temperature is very high, by the way, this is one of the warmest days to come. then there will be a slight cooling, but insignificant. so tomorrow in kyiv, the weather is expected to be very warm. now we will see kyiv on the map, thank you, and

temperature. as you can see +10°. well, of course, i want to once again congratulate everyone on christmas, and wish ukraine peace and victory, a good and happy holiday to everyone, and of course, i will of course give you a little lullaby. there was a new joy that had never happened before, the whole world was here. christ is born, we praise him, once again happy holiday to you, dear tv viewers, see you tomorrow, goodbye, be with espresso, good evening, we are from ukraine.