such military rails and defend against cyberattacks, defend against such market challenges that ukraine has during the war. let's start with the extent to which ukrainian banks really endured and survived and were not classified as insolvent. analyze the situation. if we talk about the 22nd or 23rd year that is passing, then in general. tion was pretty controlled because i always call 22nd, 23rd, 24th like that, 22nd is a shock year where we were just putting out fires as best we could, 23rd we realized, that we we are living in an ongoing military conflict, in the aggression of the russian federation against ukraine, and the 24th year, i hope that this will already be an adaptation and an exit to the growth trajectory in various parameters, this... there is such a personal

assumption about banks, in this year, several banks were withdrawn from the market and it was not related to their solvency, and two banks were withdrawn due to violations of financial monitoring, and if i am not mistaken, one bank was declared insolvent due to its financial activities, that is, for the conditions wartime, for conditions when full-scale aggression at the beginning of the year, we were just moving away from blackouts, from the purchase of generators, starlinks, and so on. that is, i believe that this is not the worst result, this year many factors contributed to the banking system , for example, the balanced policy of the national bank, which led to the fact that inflation was gradually, gradually narrowed to even 6% according to the results, about 6% according to the results of this year, and the fixed rate almost most half of the year, more was recorded for most of the year.

already in october, the national bank released the rate and in such so-called managed flexibility, i believe that this was positive both for banks and for clients, and for the state as a whole, because we are returning to a certain volatility, seasonality, which e was in ukraine before the start of the war, before the start of a full-scale invasion, on the other hand, i evaluate the results of the stability or reliability of banks or the banking sector as a whole one by one. quite indicative indicator: do people trust the public, population, citizens of ukraine to banks, it can be seen from one piece of information about whether the volume of funds of individuals, i.e. 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 of a gradual, small increase in the volume of savings bank funds of individuals.

system, why this indicator is important to me, because, you know, if a business is forced to work in cashless operations and actually keep funds on the account, open accounts and so on, then the public is not obliged, but if people keep funds in banks, in a current account, in deposit funds and the volume in the system is constantly growing, it is already more than 1/3 uah, this means that our banks provide quality services and people in generally satisfied, mr. andriyu. and in your opinion, how powerful a blow was the creation of a levy on the excess profits of banks, the tax was raised, and how much impact it will have on the fact that loans will become more expensive, for example, for the population and businesses from next year, while deposit rates, 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 do not agree with you,

it is very profitable for you to carry the hryvnia in financial institutions today, i will explain with two examples: firstly, inflation today according to the result of the year is very low, the consumer price index is about 5.6 5.8%, this is a very low indicator for today , while banks offer hryvnia deposits at 15, 14-16% depending on the period, as well as the discount rate. therefore, to cover the negative factors of inflation and more even to earn extra is not bad, then i think that it is very profitable to keep the hryvnia resource on deposits in banks, if we talk about the additional tax, which is unexpected, and for all of us bankers it was determined literally a month ago, so it was a shock for us for two reasons, the first is due to the fact that the 23rd year has already been taxed... and

with a retrospective rate, that is, when the banks lived for the whole year with the fact that the income tax would be 18%, at the end of the year they learned that it would be 50%, it was . the first one was so shocking, the second one is, well, it concerns only one branch, but you know, if you get away from all emotions and so on, we had many discussions with 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 this is ... still, realizing that it will be negatively reacted by shareholders and and and so further, they agreed and accepted it, we are just now determining how big the effect will be for the budget, and if necessary, so it should be, but we would still like to see some concept presented,

you know, of a national revenue strategy, when if we raise taxes, we raise taxes in all sectors, will this affect the growth of loan and deposit rates? you know, at first glance it seemed to me that it was, but when we looked at the situation, for example, today, when inflation is low, the national bank is gradually reducing the discount rate, it may turn out that this spread is between a little, let's say , higher and lower loan rates deposit rates, it can be very minimal, since the accounting policy of the national bank today is to lower rates, to decrease. which 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 that 80, more than 80% of the loan portfolio, which is issued new , these are loans with

an additional state subsidy, that is , programs such as 5.79 or others, they help entrepreneurs pay a lower interest rate than the market one, so i... think that everything will be fine, the hryvnia is in safe hands today. thank you for joining, andriy dubas , the president of the association of ukrainian banks was in touch, really, vasyl, the banking system, as the expert says, has adapted, it is working this year, and next year, the nbu does not even rule out that they will continue to lower the discount rate of the national bank. well, this is such an important factor, the lower the rate, the more stable the prices, the inflation falls, the stronger the hryvnia, the... really, that's how it says andriy dubas, it is profitable to make a deposit and it is profitable to take loans, well, we monitor this, and i also monitor the economy of the aggressor country, so in russia they are 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 reported by the head of the central bank of russia, elvira nabiulina , according to her, the russian authorities have a plan for this case, which, well... is not disclosed, they say, the ruble rate will not fall appreciably after the closure of the exchange, - says the head of the central bank of ukraine agresorka, however, the introduction of restrictions against the exchange may lead to a sharp drop in the prices of russian stocks and bonds, as well as to the continuation of the outflow of foreign capital, that is, it is clear that the closure of the exchange may entail, well, more companies that will leave the market in moscow. as well as foreign shareholders have stopped participation in russia's largest gas project, sanctions have had an effect, again we are talking about the arctic lng 2 liquefied natural gas plant. this is reported by the russian publication kommersant. it undermines 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 its long-term prospects altogether. contracts for the supply of energy resources, and the novatek company, which owns this project, will have to independently spend on the operation of this facility. well, traditionally, the holidays bring joy, but this year, just like 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 learned what amount are you willing to... put to the people of kremenchuk to meet the new year holidays. let's see the plot. the usual marketing move for the new year. champagne near the kaz in one of the supermarkets in kremenchuk. 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. up to uah 200 for a family of four. and it is much more modest than usual, - says mrs. victoria. salads, of course, there's a sweet table, with meat, definitely something will be there, with poultry, because it is cheaper, what can be bought, well... those who already have chops should go to the central market for tasty poultry, mr. volodymyr, who grows poultry himself, claims that there is a demand for it, such an average it weighs 400 uah, 150 per kilogram , people are used to it for holidays, he always prepares a table, but they take it, so in our country it is established that the new year's table must be a table, they yell and take it, and you take it for yourself you cook, of course, but i don't feel like it, and what do we eat, and there is some such interesting recipe, oh, as of mid-december, according to

the calculations of scientists of the institute of agrarian economics, a traditional new year's table in 2024 for a family of four will cost uah 2,864, which is not 8% more expensive than last year, among the 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, on the contrary, the prices are already being reduced, but no buyers are being added. mainly legs, legs ask, jelly, on jello, yes, yes, yes, and what's cheaper, but they don't take expensive meat, big koche, how come no one asks who it is, and what is the most expensive meat? well, we have a rear net softness of 180, and a front one

in general 160. but the prices of fruits have decreased by almost 10% over the year. tangerines are very well taken, blueberries are taken very well now, kiwis are taken, orange, spain is the sweetest, very tasty, mandarin now, it is currently on sale, there are a lot of them. it is delicious without a stone, but what is the most expensive fruit? the most expensive, probably pineapple, who doesn't like it pineapple pockets for uah 200, you can buy such home- made christmas goodies for uah 10. well, these are homemade products, but tell me everything is natural, you are a craftsman, it is made before the new year, and how much do you charge per piece, how do you sell? yes , we can give it to you for free there and it is there 5-10 hryvnias output a thing 300 hryvnia a kilogram

output 300 hryvnia a kilogram well it’s like that only for the holiday just listen it’s so interesting it’s cool and that’s right that’s the same curd baking too christmas trees he bunnies santa claus many of the people we interviewed believe that the celebration it's not time for the new year, because the war is going on , we won't spend anything at all, we won't even buy a christmas tree, but why not the time , now my husband is serving. 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 morchyvka for his work, and now

you will have a story: in gothenburg, one of the largest cities of the kingdom of sweden, the ukrainian diaspora started christmas celebration. not only ukrainians, but also swedes are joining in the event. here, everyone has the opportunity to listen to ukrainian carols, enjoy traditional christmas dishes, and chat with each other. i will tell you about how ukrainians in scandinavia celebrate christmas. traditions in the world, so that children remember

our native christmas carol, which is practically a symbol of our nation at this christmas time, it is very important that it is not lost among them, they will grow up, they will adapt in completely different conditions, but it is extremely important that in the heart they had what is called ukraine. the christmas carol was organized by ukrainian sunday. gothenburg school, many ukrainian refugee children study here, they study their native language, study ukrainian traditions and history. olesya, the founder of the school, says that last year the community numbered close to now there are half as many families left in sweden. people do return to their native ukraine, and this is pleasing, because somewhere they have already gained some experience here, but those who are practically forced to be here, somewhere within 100 families, some are currently attending our

sunday school, we want you, host, to come. 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 this and we must tell the whole world about us. katya is 18, the girl came from kyiv to sweden almost two years ago, she had to leave her hometown 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. nevertheless, the ukrainian woman very much appreciates every opportunity to see and communicate with her 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, including all the peculiarities of the mentality of the people here. shved lars joins the ukrainian carol for the second time. the man says: at the beginning of the great war, when ukrainians started trying to get to sweden, he couldn't stand aside, so he started helping refugees, which he still does. the man says that he even has his own embroidery, which he received as a gift from ukrainians. of course, we want to celebrate christmas with our ukrainian friends. i am very happy, i received such a co...

tura is alive despite the war and even flourishing, while others are celebrating, the employees of the book institute are deeply concerned, they claim that the state owes almost uah 45 million, it is about the book publishing program and popularization of ukrainian literature in the world. in their appeal, the representatives of the institute emphasize that it is about ukraine's international reputation. lina chechenina will tell what the essence of the matter is. well, while we are talking about the flourishing of ukrainian... bookstores that open in kyiv, and almost every week, yes , there are also problems, for them in a second. so, it is time to be concerned about the ukrainian book institute, and it is about three programs

that they conducted in 2023, and as they claim, the representatives did not receive compensation from the state, it is about... precisely those programs that the organizers made at their own expense and are now waiting for these compensations. well, first of all, we are talking about ukrainian publishers who also published their various books and shipped them to ukrainian bookstores, they did not receive, in fact, the amount of money in the amount of 33 million. next, we are talking about the organization of activities for the promotion of reading, because the ukrainian book institute deals with this and this and this. also the promotion of reading so that ukrainians read more, here are five such events, their organizers also 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 called translate ukraine, i.e., translations of ukraine, this is done by foreign publishing houses that

translate, of course, ukrainian literature, then somewhere there they sell it in various bookstores, and here they are too did not receive pensions, representatives of the ukrainian book institute say that this is a very, very dangerous situation, they say that it calls into question the further cooperation of the ukrainian book institute with these publishing houses, after publicity, it will be even more difficult for us to find those who are interested in publishing ukrainian books abroad in the coming 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 it. projects designed to develop ukrainian culture and book publishing, in particular. we are very sorry that the state cannot reimburse the costs, thus further worsening the situation in which it found itself. ukrainian book-reading sphere, we hope for a quick and effective decision. well, we are we all hope too, because there really

aren't that many ukrainian books in foreign bookstores around the world. we need to make up for it and, accordingly , cooperate more strongly with foreigners. well , there will also be a scandal, i hope there won't be one, but how can eurovision be without a scandal. the fact is that the 11th semi-finalist was chosen very recently. at eurovision because of the act, this is 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 do they say, let's not sort it out, because not only the name, but also the images are similar, well, let's listen to these two songs, compare them, ay pa-la-la, pa-la-la , pa-la-la, there is a star in my sky.

i personally think that it is not very similar, but the words really resonate, i will only remind you that the eurovision semi-finals in ukraine will take place on february 3, namely eurovision on may 11 in... in the swedish city of malmö, that's all i have, stay with espress . thank you very much linia checheni, i hope that there will be a debt paid off before the book, before the institute of the book, well, 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... about 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 for today. i think so what are carols? well , of course, we all know very well that there are others ritual 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 were observed, recorded before the iv century in rome. in the middle ages , christmas carols were performed only at liturgies, carols being the most common. and yet i am not afraid to assume that the most diverse and the most numerous are ukrainians. well, also a little more history, for example, in the 12th century - a parisian monk

began to use popular music songs are already like carols. and in the 13th century , under the influence of francis of osijsky , the tradition of new year's and christmas carols in different languages ​​was formed. and, of course , the most popular kolyats in ukraine, of course. everyone, as a rule, knows, everyone sings, it's good evening tobi, a new joy has arisen, the whole world has become news, we are now moving from carols to our traditional subheading, magnetic storms, and how without them, of course you need to know, and now for your attention is a prognostic diagram, with it we will see what will be observed tomorrow, well, not at all slight activation, even said that it's just fluctuations, that is , there won't be any manit bulls threatening to well-being or to communication, for example, so we'll go to the actual... weather forecast, and we'll see with you what the weather is like will be in every region of ukraine. so, let's start with the western regions, well, it's no secret that

warm weather has settled everywhere now, and tomorrow will also be mostly warm, well, it's not just march, it's already similar to some kind of april, because as you can see, 10-14° of heat tomorrow will be on to the west ukraine, although it is cloudy, it is raining in places. warm weather will also prevail in the north of ukraine, the air temperature will be high. the maximum air temperature will vary from 8 to 10 to 11 °c, 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 be mostly cloudy and humid, but no serious rain is expected, because the temperature, well, why the rain. in the southern part of ukraine tomorrow changeable cloudiness will prevail,

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 the air temperature, as you can see, is +10°. well, i want to wish everyone a merry christmas once again, of course. and wish ukraine peace and victory, everyone a happy and happy holiday and of course literally, i'll sing you a lullaby, i got a new raga, which was never seen above the nativity scene, the whole world was illuminated, christ is born. we celebrate him, once again happy holiday

to you, dear tv viewers, i say goodbye to you until tomorrow, goodbye, be with espresso, good evening, we are from ukraine, what different sounds, what.

just like that, the whole country is smeared with those smears, they convince the deep people, they say, oh, this is a secret sign, and since biden wiped his nose, it means that there will not be any weapons for ukraine, and then russia will definitely will win, well, we are happy that the republicans have rolled with zelensky's money, yes , we are happy, because there will be less weapons, which means less russian people will die, or should i say how pathetic such rhetoric is, you are the type of superpower, as salovyon said. the first army in the world. we have the most fighting army in the world. now we are undoubtedly the first army in the world. if this were at least 50% true, then russia would not care at all whether they give ukraine money or ammunition or not. but no, propagandists spend months meditating on gossip and news from washington. it is clear that now everyone is monitoring the situation related to the allocation of a new aid package for ukraine, i understand

that it is not set even until... conditionally speaking, january-february, perhaps all this will be postponed, they are rejoicing like little children at the congressmen's vacation, here such an intrigue, interesting, the american congress must go on christmas vacation, the congress must go on vacation, it is obvious that they will not have time to discuss this before the christmas holidays, well , apparently, it means that everything is being postponed next hour, or a new package of aid to ukraine, which is much less than usual, 200 million ot biden personally.

but it is precisely in such trifles that russian weakness manifests itself. the strong do not behave like that, if you are the best in the world, then you are not at all interested in the state of affairs of the enemy, that is , you do not need to invent things, if you slander zelenskyi's trip to the states. the terrorist president of ukraine was greeted in general, one might say, on duty, without any special honors, neither red cowslips, nor a protocol meeting. see you on the capitalist hill with biden, terrorists received zelensky even more coldly. will they waste time to attribute to the opponents a desire to go to negotiations, although in fact no one has offered negotiations to russia. despite the so far favor of the american president, congressmen are determined to seat zelensky at the negotiating table with russia. and if money and energy are spent on such information campaigns, it means that there is no confidence in one's own strength behind the bar, i.e. the victorious performances of grandfather bunker on the public.