transport sector, how is the project for the construction of a railway line to crimea progressing, for our part, in part of the dpr, the territory of the dpr, has everything been implemented, are you ready to meet the schedule? yuri, i will say that everything is in process and , of course, everything intersects with security issues, so of course , the railway connection is very important for us, duplicating the railway connection, because for us not only cargo transportation, but also passenger transportation is extremely important by rail, because that are comfortable, convenient and understandable to our residents, but everything intersects with security issues, we see that bridges and other infrastructure, even of a civilian nature, are objects of attention of the enemy in terms of striking at it. what other points of possible growth do you see, what do you plan to pay attention to in the near future, where these economic drivers may be, the economic drivers for a long period of time will still be...

that people are returning, and we see that such trends, of course, force still, to fix even an unreasonable increase in housing prices, well, prices are extremely high, both for renting housing and for purchasing housing, and of course, here we can only regulate this by the availability of housing, that is , by increasing the number of built-up areas, and this is where let's focus on the construction industry?

raised deposit rates regardless of the decision of the central bank; such a step is rational for us; it closes the liquidity gaps that we have. germanskarovich, after all, is it possible for investors to expect that this trend, where it is not so long, these increased rates on terms, that it will somehow be extended in the near future, or is it extremely difficult to predict now, it will depend on what...

what we have with inflation, everyone wants a normal human desire, to have low rates on loans, high rates on deposits, it’s clear, but unfortunately, this is impossible, if we see stabilization of inflation and a fall in central bank rates, central bank rates, then of course, rates attractions will also decrease, and interest rates are of course a headache, probably now for...

money, yeah, always the health of our client, our health, is our health, and a bank is a structure that trades money, and... and if you can sell more money at a low price, then this is better than less money at a high price, and at the same time with a high risk, that’s why these are difficult times for us, also taking into account the fact that the rates are high, taking into account the fact that very currently strict regulatory requirements of the central bank, which is why we are, of course, waiting for rates to drop, and we will be able to earn significantly more.

a very powerful budget impulse, large investments from the budget go into the economy, mechanical engineering increases wages, people begin to move to engineering enterprises, other

sectors of the economy are also forced to increase wages, people have more money, and , paradoxically, people have higher ability take credit. they, despite high rates, begin to take out even more loans, and two impulses, the budget impulse, spending through the budget, the credit impulse through lending primarily to individuals do not add up and maintain such a high level of inflation, rates now, indeed , as you said, they are very high, that is, as i understand it, people are constantly increasing its debt burden, maybe...

no, even until the end of the year, most likely, yes, until the end of the year, it’s possible, it’s hard to predict now, but what else allows

the central bank to keep such rates as do you see a slowdown in lending to the corporate sector ? is business activity converging, because some experts say that in the middle of the year our gdp growth will almost go to zero, it will reach 1%. do you see such risks? well, of course, it is impossible to maintain such rates for a long, long period of time, of course, we will receive a response from the economy in the form of a decrease in the rate of economic growth, but in fact this will have an impact on inflation, that is, this is what the central bank is trying to achieve, some tightening of the economy.

to work in your bank, no, of course, again historically the lowest unemployment, i’m so unemployed, a little more than 2%, i don’t remember, simple and of course, this is also an overheating indicator, and we of course feel it ourselves, today’s time they say, time is workers, not employers, today employers are chasing workers around the market, at each open for each qualified worker there are at least

nine vacancies today on the market, but in fact this is heating up the level of wages, because companies are starting compete to attract qualified people first of all, we are in exactly the same conditions, it may be a little easier for us, because after all we are such a privileged employer, we were named last year -

we are now considering all the consequences of this, but let's say we don't see anything tragic, we will pay more taxes, naturally. here, but if part of these taxes can be exchanged for investments, relatively speaking, yes,

then this would be nice, that is, shareholders will not suffer much, at least overall the volume of profits will decrease, by a quarter, of course, yes, but therefore they will suffer to some extent, we are not going to change our policy, no, for now we believe, we think that we will pass in all...

there is artificial intelligence, those applications , which are in banking applications today, they are quite adequate,

we have already, we have been using natural artificial intelligence for many years, without artificial intelligence we simply would not be able to provide you with most of the services and we would not be able to bake cybersecurity, not could provide such speed, today you can simply transfer by voice in our application, without ever touching the screen, any amount to any place, by phone number or by card number or by last name, it doesn’t matter. and all this is done by artificial intelligence, and i want to say that this is a radical transformation of the customer experience, i use these functions with pleasure, i don’t have...

it depends on the so-called prompt, on your question, well, of course, how to formulate it correctly, and we study specifically now ask questions so that artificial intelligence understands what you want from it, that’s why i think that the next 5 years will be an era of dawn and return, including investment return from artificial intelligence. gemrokovic, thank you very much, i think that we will all really learn to press the right buttons and ask the right questions. thanks a lot. thank you, the head of sberbank was in our studio, now we will take a break for advertising and return to st. petersburg, to the st. petersburg international economic forum. you owe the bank

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the motorcade with the president of bolivia, we see the bolivian flag, is driving up here in st. petersburg, it is arriving at the place of negotiations, let me remind you that the head of bolivia is now in russia on an official visit, and this is very important. on our air, but for now i give the floor to my colleague alexandra suborova. dina, thank you, now sitting opposite me is the head of

the seguur company, mikhail kalisalov. hello, mikhail yurievich. good afternoon. let's discuss today, probably first of all, the polymer market, why are they called the new gold today? i think you know, because the development of consumption of synthetic materials is involved in our lives, but now, relative to the last century and even the beginning of the century. but it started very significantly, if we speak so figuratively looking completely into history, then we all studied at school, some more deeply, the metal age, the bronze age and so on, the era has changed, now the era dictates new conditions: the weight of the product is important to everyone, its properties, strength properties, environmental friendliness of this product are important to everyone, all this is important, and just synthetic materials, which include polymers. directly provide opportunities, well, virtually unlimited opportunities to use in any industry that largely fills our lives,

to use them, therefore, by and large , the new technological structure is directly related to synthetic materials, in particular polymers, it is important to understand that probably, well this is not only proton, not only about some individual products, that... there is a lot of science, that we are able to offer solutions that are developed jointly with the industries that consume our products, so it is impossible to imagine medicine, housing and utilities , it is impossible to imagine the automotive industry, it is impossible to imagine a variety of packaging made from non-polymer, so this is absolutely polymer - this is our life today. what place does russia take in this global polymer race? if you can call it that? yes, a good definition of the polymer race, you know, we

have been among the leaders for a long time, over the past decade and a half, sibur, implementing projects in tobolsk, implementing projects in the nizhny novgorod region, tomsk region, voronezh region, has offered the market more than 3 million tons. now, especially in the last 2.5-3 years, this situation has changed even more, the sanctions agenda, which also affects our industry, on the other hand, it has created

opportunities, so in general in the world...

dear mr. president, i’m very glad welcome you. dear mr.

president, i am very glad to welcome you to russia, in st. petersburg, at the international economic forum, this is your first time in russia as head of state, we are very glad to see you, i am sure you will make a significant contribution to the work of our forum, bearing in mind, that you are an economist by basic education and...

in monetary terms, trade turnover is still small, but it has good growth trends, growth over the past year was, in my opinion , 2 from 2 from 2 in my opinion, but there are interesting areas of our cooperation, in volume including in the field of high technology, rusatom is implementing a good program and building a center for nuclear research and technology in...