this session we always set ourselves kpis for the next year, i hope that we will maintain this tradition, so that we can check what has been done and what has not been done, and so on, but most importantly, what was successful, what was not successful, satisfied, not satisfied, that’s it i would now ask each of you to remember what qpi you set for yourself for this year, well , come on, since with us maxim generovich has already started several times,

the state, by the way, is ready to support and share risks, but they are not included in the taxonomy, they need to be included there, this can give additional incentive. thank you, antonich, the infrastructure projects that you had the most original, last year

, you set yourself a task for this year, remember which one, yes, this is because in the previous one we talked about who is more pessimistic or optimist, you they set themselves for...

activity there is also about 10%, which means investments over the past year in real terms, in real terms, well, that means optimism won, sberbank raised deposit rates to 18% per annum, and when opening a brokerage account you can still get three sberbank shares as a gift, hurry up to open it.

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because you generally said some things in general, it is necessary to cut costs differently, that is , in general, you almost guessed right, here’s maxim stanislavich, shouldn’t we take a swing at our william shakespeare himself, in part, remember what they said, well, you have everything is written down, i’m interested, i have it written down. and you remember, quote, well, if

you insist, well - colleagues, why am i going to quote now, but it’s not, i didn’t want to quote, honestly, because the point is, in fact, it’s amazing, with every year the stand of the prosecutor's office is getting closer and closer to ours at our session, now it's just right there, so i'm quoting only because maxim stanislavovich. i said it myself, quote it. so, raising business taxes is counterproductive, we will lose more. everything is correct. simply raising business taxes is counterproductive. let me remind you of the discussion we had a year ago. and so, anton germanovich, as far as i remember, was not allowed to answer this question a year ago. and i said that not everyone answered, yes, i didn’t give it to antonovich, he was offended by me, by the way, then, you see now. with what gratitude he looks, and he already wanted to,

then there was no point in it, because we are going through the twenty-fourth year with the same level of taxation with which we went through the twenty-third, twenty-second, and we really have good dynamics, including including on investments, but returning to taxes, the key question is that simply raising taxes will be really counterproductive, the important question is who we are taking from, what we are spending on, that is, this question will already...

turn out to be positive if we correctly configure those mechanisms, and which are now included, this is the federal investment tax deduction, these are two types of regional investment tax deductions that exist in the tax code, and if we give the regions additional resources for this, then in general we can and without losing the pace economic growth, significantly add to its quality, due to the fact that investments

will go to those sectors that we need, including with reference to the taxonomy of technological projects. sovereignty, so we can make this more targeted, another point is that the topic of taxes and investments cannot be separated from the topic of investments in general, because there is a whole range of issues, but the first thing is what elviradovna has already touched on, this is still the capital market , because we need investment in areas where capital is not enough, so stimulating only with debt instruments, this is obviously impossible, including the central bank has good proposals for... stimulating not only ipo spo, but replacing somewhere budgetary support, debt for capital support, grants there and so on further, this is probably the first point, the second point, we definitely have great potential in improving coordination with the central bank in terms of preferential programs, we are also discussing with elvirai hebzadna that there are still some guidelines for growth

lending, we need to clearly understand where this lending goes, because now we understand budget financing. deficit, of course, mortgages, including preferential ones, which we have greatly expanded, and enterprises that take out loans under the state, and which are not very sensitive to interest rates, infrastructure monopolies, which rely on the fact that they will increase interest rates payments will then be transferred to us in tariffs, and these are essentially deferred problems, as a result , for the part that concerns investments there there is still a lot left in the economy of supply, in what we need, but to put it mildly, not much, so it is important for us to coordinate our activities. clearly understanding that the government has a limit on conditionally preferential programs and it is like this, already within this limit of preferential programs we still need to determine what we need at the moment, a mortgage, support for the agro-industrial complex, support for tourism, support for technology , and so on and so forth , here my colleagues and i are just fine-tuning this system, thank you, one second, you can do it right away, you just raised a few questions,

so that we can immediately - here the government says that, well, at the very least. for investments, price stability, i already said, only price stability gives moderate long-term rates, with high inflation there is no available long-term loan if it is not subsidized by the state, so this is the first, second is the capital market, i’m talking about this here maxim gennadyich, we are really working on many measures, it is very important now in the context

of changes to the tax system, setting up income tax taxes, it’s very important and about preferential programs, i really want to say and support the approaches of maxim gennadivich, you see, we are faced with a choice, now in a period of high rates,

there are a lot of people who want to, well, it’s clear that for certain industries, with the help of state subsidies , reduce the impact of these high rates, and there is choice: yes, the budget can increase these benefit programs now, but then this will only work for a narrow circle. industries, but then credit will be unavailable to everyone else, we must understand, either reduce the volume of preferential programs, strictly to prioritize them only for some of the most necessary, the loan will be more accessible to everyone else, including investment, so this is the choice that is actually very important now, it needs to be made so that, in my opinion, of course it is necessary support investment across a wide range of industries. but can i just ask one clarifying question ? to be honest, i was leafing through it when i was preparing, look, in 1919 here on the forum, i just want to clarify, i just want to understand, you

said that people take loans not because of good life, now, this was in the nineteenth year, the reasons for the growth of loans are people’s low incomes, and to be honest, i was with you, for example, unlike maxim stanislavich, he completely agreed, he did not agree, but i completely i agree with you, here... but in april of this year you said that the reasons for the increase in consumer lending even in conditions of high rates is income growth, that is, in one case the reasons are low incomes, in another case it turns out that the reason for us is income growth, at you don’t feel that there is some kind of contradiction here, movement in different directions, well, it would seem like a paradox, but in fact in life people take loans both from a bad life and from a hopeless one. there is not enough income from a good life, from the fact that, at the expense of future income, in which they are confident, they can finance an improvement in life now, yes, and indeed several years

ago we saw a trend in the growth of loans from people who already had low levels of debt income, this has not gone away, because people need loans, people with low incomes have a need for loans, it remains, you can see how microloans are growing,

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what they told you when you decided to open. custom jewelry, who will buy it, but you didn’t listen, because you’re doing everything wrong, continue, send all payments and transfers no commission, open a business account in alfabank, alfabank is the best bank for business, feel free to look your expenses in the eye, your money won’t fly away. there are gigs and minutes left, we return rubles for them every month, you can! iota! what are men silent about? painful urination, problems with erection, these are symptoms of prostatitis. longidaza promotes the breakdown of fibrous tissue and helps eliminate the effects of prostatitis. longitaza against prostatitis. i am something good, something better. and i'm helpful. oh yes, and you

control me, regularly, and i'm a new program loyalty vtb, vtb, choose the necessary categories every month, for example, clothing, food and sporting goods and get cashback up to 25% on any vtb card in rubles, thank you, thank you, you can’t put it in your pocket, here are rubles, vtb, together everything will work out. where is private investment, since maxime also said that this is a matter of trust, he started trust to a large extent with this, do you really think that such things contribute to trust, that a private investor in this situation will go into this situation, well, if he not to force, of course,

for you, for you, of course, it’s easier to discuss pessimists and optimists, but why are you asking me this question, and why are you asking me such questions, anton germanich, anton germanovich, you know, solely out of a good attitude towards you, i told you in the past, on last year, i didn’t give you an answer to the question about taxes, believe me, in a year you will understand that this question i asked you is absolutely correct, but in a year, from a budget point of view, i can answer, yes, these assets mean,

well these are separate questions, and there are already several such questions, i agree, but this is a question, i agree, if someone ’s rights are violated, it must be resolved through the judicial system, i agree, yes, yes, sorry, the law says that this cannot be done, but they do it, of course we are not a court now, yes we won’t look into it, but there is a conflict between two norms of this civil code and of course we also need to look at it.