it is necessary to mobilize all resources, would you give me a recipe, how can you achieve what you have achieved? it seems to you that you are on top of the world, you got up, dusted yourself off and went, is russia ready to change, does evolution occur in any structure?

the ftb adopted a new strategy in which the focus shifted towards retail clients. today, more than 6 million russians keep their savings in this bank. there are plans to almost double the volume of ruble liabilities, which by the end of 2026 should exceed 11 trillion rubles. what financial and social services will appear and which are already available now, about this in a special report by vera moroz. ksenia and sergey boldyreva came from small towns in the primorsky territory to vladivostok to study and work, when they met each other, they finally decided to settle here and start a family. basically, not far. all relatives,

parents, and therefore naturally we look here, there is beautiful nature here, again, for a new family - a new apartment, a mortgage was taken out by far eastern vtb. well, naturally, we took it, we wanted to take it more, for the future, there are children , again, although more, anyway, the choice was a little further from the city, because i probably wanted more forest, something like a small construction, so that’s why we chose it... .whose apartment is currently being built. in russia, every fifth retail loan is issued by vtb. last year, half of all issuances were mortgages. so just from the beginning of 2018, residents of our country took out loans from banks to purchase 76 million square meters of housing. deputy president, chairman of the board of vtb georgy gorshkov calls such housing concerns a pleasant occasion. what could be better than buying a new apartment or house? a wedding, the birth

of a child, a new apartment, this is how families develop, and of course, we are very glad that almost 2 million families, 2 million households bought new apartments with the help of vtb mortgage loans, and what are 2 million mortgage loans, that’s almost 5 or 6 million citizens who moved into new apartments, this is an entire metropolis the size of st. petersburg. the smykov family moved into a new apartment several years ago. dasha and maxim took out a mortgage when their daughter maya was just born. the girl is actually the same age as the apartment, she is 4 years old. daria says that she thought about what everything would be like when this place was still a wasteland. you close the curtain and that’s it, we have our own area here , our own beauty area, here is the living room, we don’t need anything else, it turns out, and i also calculated that there is enough money for a young family to pay off the loan and make repairs, monthly.

will go to kindergarten, his sister sofia will go to first grade, and his mother tanya is getting ready to return to the working rhythm of a marketer. now i’m starting to undergo training, to join in, so to speak. into new trends, into new movements, i begin to study what became relevant during the year and a half that i was absent, so to speak. it’s easy for a young mother to solve banking matters between hundreds of tasks. tatyana says that if previously she perceived such services as a complex process, now her bank significantly simplifies all financial tasks. it turns out that i have everything in one bank, on one card, it’s simple. last year, about 800 thousand people chose vtb for receiving certain social benefits for a child or for health. through an online bank , they apply for benefits, property tax deductions, and pay off their mortgage using maternity capital. if parents receive

social payments on a vtb card, they can insure their child against critical illnesses for free, and in a number of regions , bank clients can use a resident card instead of a travel ticket and even. compulsory health insurance policy, such a card is valid also in samara, where nina andreevna lives. retired woman for more than 20 years, and at the same time leads an active lifestyle, practices nordic walking, loves theater and concerts at the local philharmonic. i decided to transfer to vtb because my husband was an employee of vtb, i transferred to vtb and i was very happy when he came to me. let’s say he transfers money to a card, we don’t charge any extra interest. nina andreevna also uses samara region resident cards from vtb, she says, this way she gets more bonuses. i come to the clinic, there is compulsory medical insurance, that’s it, they

can look without any other fill out all the documents, give me a coupon, then i can buy. rubles, bank employees helped konstantin from st. petersburg, the man admits that for several days scammers over the phone forced him to take out a loan, he wanted me to take out a loan of up to 2 million, no one admits that they

are leading him, he hears this, but turns a deaf ear, only that's when the issue of loans started. here i was seriously scared, because i had never taken out loans, an employee of the bank natalya, who turned to konstantin, remembers that the man was as if under hypnosis and at first i decided to check whether he was acting under the influence of criminals, and as it turned out, it was not in vain. i was confused by the fact that konstantin was worried, his hands were shaking.

there are 50 million inhabitants of our country, the infrastructure is rapidly growing, so in 3 years vtb will expand the availability of financial services to 100 million russians, including through the opening of new offices in the so-called... format, here is a place to talk, here is atm to withdraw cash or make some payments, our colleagues from this office will help the client set up the latest version of the mobile application, essentially this is the same universal office that we are all used to,

but in a small format, if we are talking about walking distance, then this is a question of megacities, this is a question of new residential areas, new areas, if ... a person does not want to go to the bank, then the bank will come to him himself. upon request, an employee does not just bring a card, helps set up a banking application, advises on financial issues, and courier delivery that we are so accustomed to. vtb will also expand. in over the next 3 years, the service will be available in 23 thousand settlements. convenient and simple even for those who, due to their health, need a special service. oksana has not seen since childhood. at the bank, she is not just a client; she advises employees on adapting inclusive services. the course has been finalized. on servicing people with disabilities at points of sale , a simple example, an administrator meets me

, asks what i need, and he understands that there is no need to somehow reinvent the wheel and somehow lead me or push me somehow, that is he will either ask what is best for you, or i take the administrator by the elbow and we go to the window, and we also worked on a course for contact center operators, firstly, it’s very good that we have in the contact center... just put in the headphones.

people who are hard of hearing will be able to receive online consultations. to do this , the bank created a resource where a computer communicates with a person in sign language. each bank client is different and may have their own specific requests. georgy gorshkov emphasizes how important it is for vtb to help a person, even if the help is not connected. with a product or service of the bank itself. the key priority for the next 3 years is an almost twofold increase in the active client base to 35 million people. and this is a third of the entire economically active population of the country; behind all these figures there are people, the bank team and clients, as an indicator of trust. life is much richer, and families develop, and people

grow up, and new children are born into families, all this is connected not only with banking services, but with the social support measures that exist in our country, and of course, the bank should be a convenient, reliable provider of these very social services, well, in general, this business is about trust and the love of customers. and here, probably, lies the biggest challenge, because to earn this love, to earn this trust, this is probably what every banker dreams of.

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download the new yandex browser. be amazed at your neural powers. open your first deposit on financial services with a rate of up to 18.5% for three or 6 months. download the financial services application. financial services from the moscow exchange, deposits from different banks in one application. six juicy nuggets for only 69 rubles. delicious. download the application from bpay, link your bank account. and you can pay for anything. via an nfc sign in one touch or. download sbp, pay conveniently, what men are silent about, painful urination, erection problems, these are symptoms of prostatitis. langidase promotes the breakdown of fibrous tissue and helps eliminate the effects of prostatitis. lanagitase against prostatitis. but with bref there is an easier way. bref - colored water for a clean

, fresh toilet with every flush. bref at a super price. hurry up to buy in stores. cities, from a dream to a home, one home-click , when you give russian lotto tickets, it may turn out that you gave a million-dollar shopping spree and even 101 poodles, every second ticket wins, buy on the website in branded stores, we are going on vacation, and we we’re going for the third year, so open a vtb savings account, the rate is 16%, save up faster, one of my friends asks me to give it to her.

the renovations have been done, you can relax, cash loans with a comfortable payment will be enough for what you need and for something pleasant, come for money, post office bank, alen, shopping again, gifting on marketplaces with a vtb debit card , 25% cashback, i’ll buy gifts for everyone and new neighbors, divide in half , prices on the yandex market, discounts up to 50% when paying with an alfa bank card. if you don’t have a card, order a free alpha debit card and buy it at half price. i came to the special military operation zone at the call of

my heart. of course, i didn't fit in years, but as a military specialist, i considered it necessary to be there. the time for russia was right here , i just took it and went to the military registration and enlistment office, the time had come for russia that i had to get back into line with my former colleagues, men, our fathers, our grandfathers during the great patriotic war stood to the death for our homeland, many, even children ran to the front to get there, take up arms and fight this nazism, now nazism is raising its head again, so if anyone doubts... doubts all go away, stand up join our ranks, take up arms, defend our homeland, victory will always be ours, until we destroy this nazi hydra, we will not rest, serve under contract.

now there is footage from the presidential press service, i looked at the materials. the situation is quite modest, let’s say, satisfactory, the volume of industrial production is growing, agricultural products are produced in larger volumes, unemployment is decreasing, well, so noticeably. decreased to 5%. and also, of course, twice, well, one and a half times more than the national average, but still decreased by almost two times, this is such a noticeable moment,

nevertheless, there are issues that require special attention, for some reason this is for you, i don’t know, maybe it’s not entirely true, now explain, construction is not growing, we have a final operational headquarters chaired by khusnulina, here we are summing up the results, we are... there in the top four or three, but it is clear that , unfortunately, we now have more izh than mkd, but according to mkd we are also growing, well, by square meter per person, yeah , but i would also like to tell you that the decisions you made regarding social post-gasification, they also affect the growth of residential housing, because people connect for free, and accordingly we are already counting this housing, yeah, so i know these numbers for sure, i don’t want to argue with my colleagues there, but colleagues... from the government noted so, these are data from rosstat, so yeah, and investments, as it looks, our investments also increased by 18% of the estimated capital, and

are growing, i reported to you that within 3 years we must create more than 300 jobs, we this task, well, this can be seen from all the materials, it’s true, good, on what would you like, i would like to thank you for the decision on the year of the family, in fact, we have already spent ours. those support measures that you have already outlined, those regional programs, we have both financial and non-financial measures to support families, well, firstly, after all, almost every third family in our country has many children, and yet in our country three generations can live in one house, grandparents, grandchildren, children, and the republic is also the sixth in the russian federation in terms of life expectancy. of course, the pandemic had its impact, but those instructions you gave by the thirtieth year 80 plus, we work strictly with the government of the russian federation and i think that we will have results in this

regard, well, vladimirevich, we also have a lot of support measures, which are also related to the year of the family, they are connected, they have something in common, that’s all what also concerns the support of our guys who take part in the mtr by members. their families, we are very actively working with the fund that was created, i want to say that we have several peace, including financial and non -financial ones, yeah, guys today selflessly are in their zone, their families, we know every family, we know what problems there are, how they are, naturally we solve them quickly, it’s very simple, i’m asking you. yeah, well, that’s why we know every family , we don’t forget anyone, that’s why i’m saying that

i won’t list our payments there, everything is there, well, we keep everything under control, you are developing contacts with the starobilsky district of lugansk, lugansk region, yes, well, i don’t like this kind of sponsored territory, yes. partner, partner, sister city, yes, vladimirovich, special words of gratitude to you for the national project, well, the polyclinic, yes, the polyclinic was introduced there in the mountains, 486 objects have been built, yeah, that’s 486 objects since 2018, so we will actively continue this work, well, and special words of gratitude, i’m on last meeting , i asked you to support us, we have the only large drama theater in the republic, the republican center was without a theater for 10 years, it was closed due to accidents, this year with

the government of the russian federation , we are starting, we are starting to build it for the republic, such an important event, yeah, this is a center for youth innovative creativity, where in the capital in the city of cherkessk, this was it, and this is like this. we plan to do , yes, yeah, and preschool institutions, preschool institutions, first of all, thank you again for the overhaul of schools, it’s simple, well, we have overhauled 45 schools, and as for kindergartens, we even used our own for overhauls budget this year we are allocating 200 million rubles, yeah, and 12 children's facilities will be overhauled, our priority range is from three to seven, from zero to three in the republic it is absent, well, after all , full, that means no, we have full coverage somewhere from transportation, unfortunately, but the fact is that i think that... in case

it is possible, ask for such a program as for the overhaul of schools, it is still for kindergartens, according to de uh, okay, the government i will definitely raise this question, well, in general, there is obvious movement forward, it’s clear, it’s going, it’s going, the development of the republic is noticeable, they go skiing, they go skiing, 2 million people visited the karachay- circassian republic, where the population is 500,000, that’s decent, yes.

a short pause and let's return to the news review. russia is traditional, modern, technological, original, open, great, so different, but dear to everyone. all of russia is before your eyes. come to the international exhibition forum russia.

moving forward: the ministry of defense reported that russian troops took control of the village of lastochkina. what is known to this minute? about the situation with shelling, mine clearance and restoration plans. denis pushillin spoke about what was happening in avdievka and how a decision would be made on the future fate of the settlement. they barricaded the road with tractors and tires. belgian farmers have paralyzed the center of brussels. the police use water cannons. what is the situation at this time? the results of the single voting day are being summed up in belarus. what political forces enter parliament and how are the results of voting in local councils of deputies assessed? didn't find a reason how denmark is reportedly ending its investigation into sabotage of the nord stream gas pipelines. how

do they explain this? solution. let's start with the news : defense units of the group of russian troops of the center liberated the village of lastochkin. this is the avdiivka direction of the special operation, where, according to the military department, our fighters are still improving the situation at the front line. the russian military also took more advantageous positions in the donetsk and yuzhnodonetsk directions. in liberated avdeevka, the territory is being checked for explosive items. sappers from the center's group of troops find and destroy hundreds of mines and ammunition every day; they are now inspecting main roads, residential buildings and administrative publications. the head of the donetsk people's republic visited avdeevka. in an interview with our channel, denis pushilin shared his impressions and told how decisions will be made about the future fate of the settlement? of course , decisions will be made not only at the regional, but certainly at the federal level, and after an assessment.