because it is thanks to fertilizers that approximately 50% of the world's population receives products and food and, accordingly, has the right to life in the end, and of course fertilizer and eurochemicals are two and this is a single story, as it were, and we approximately produce 4% of the world's volume of fertilizers and sell them practically. 100 countries of the world are also very actively represented in russia, and thanks to this we make a great contribution in general to food security in the world, and we can proudly say, thanks to our fertilizers, approximately 250 million people receive food products, well, this is of course a significant contribution, continuing the agricultural theme, yes, because fertilizers are, of course , inextricably linked with agriculture, now such a new round is being received by the global...

of the new plant of the enterprise in neinomsk, production of very high-tech fertilizers and, at the same time, we are carrying out a whole large program for the construction of a new plant in the leningrad region in kengesep. next year there will be a smile launch. therefore the volume investments that we are already making are quite large, plus, of course, we are forming ideas for additional investments and new projects, and here, of course, there is always... the role of the state is very important, because

without the support of the state, not all the volume of projects can be implemented, we are looking at investment opportunities in the perm region, the volgograd region, we recently announced the launch of a new project in kazakhstan, so the program is very large, and of course, with these investments even more fertilizers will be available to our farmers. you can say again what your agenda is here on the forum, who else you discuss something interesting with, meet, subscribe.

we are especially proud, and last year we opened the constellation school, this is a school for gifted children, in the tula region, together with the locals, and accordingly, and from the government of the province, accordingly we created such a program, and the children will

receive in-depth education in the field of physics and mathematics, chemistry, and then natural sciences, and of course we will go, they will go and improve our enterprises. this is probably the most important thing for development of our big country. thank you very much for your comments, your time, success in your work on the forum, and in general , success in the development of the company. thank you, magnet, glazed cheese curds, and rostagrokompleks, 499. magnet - the price is what you need. meet a free children's sber card, limited design, access to a sim card with a wow tariff, a month of communication free payment sticker, a children's sber card - an adult approach, collect a car vacation without extra expenses on avito. the legend

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georgy, hello, thank you for taking the time for this interview, please tell us about how the retail market is changing. in the financial sector, how is people’s behavior changing, is the demand for loans growing, and what trends do you notice in general? good afternoon , thank you for the invitation, the market is really developing, you see that in the country production is growing at a record pace, unemployment is decreasing, and of course this affects the financial market too, and the retail lending market is breaking all records, this applies to mortgages and car loans , cash loans, the same applies to liabilities, savings of current accounts of citizens. if last year the growth of the portfolio of individuals' liabilities increased by approximately 22-23%,

this year we expect the next record, this is an increase to 55-56 trillion rubles, and this is an addition of about a quarter of the market, such the pace was not there before, and of course banks must adapt, banks must become more convenient, more accessible, banks benefit when people are richer, banks benefit when the economy works, but in any case. in the economy, of course, there are people who are focused on savings, there are people who need credit facilities, and we, of course, are on that other side of the business. an important question, maybe it’s premature to ask it, but will rates remain at such a high level as they are now, of course, this is not only from you depends, but overall, what do you think? well, i think that you are mainly interested in rates on deposits, on savings products, and banks, of course, compete for liquidity, compete for relationships with clients, it is profitable for banks, to catch the attention of our smile, now the rates are at a very attractive

level, and both in rubles, so for foreign currency products, in particular vtb in rubles just raised the rate on the savings account to eighteen per annum, and this is a flexible deposit, you can withdraw it at in terms of the currency component, we have an excellent deposit in the yuan; many banks are now attracting yuan liquidity, because exporters have such a need. lend in yuan, the rate on yuan now reaches 6.5%, which, you agree, is quite high for a foreign exchange instrument, and of course gold retains its protective properties, so if we talk about the entire range of protective savings products, these include ruble deposits , foreign currency deposits, and of course gold, investment products, yeah, cancel limits on transfers through the fast payment system of up to 30 million are now possible, how does this affect customer behavior?

83% of cases when bank clients are attacked by fraudsters begin outside the bank, fraudsters do not attack the banking infrastructure, they attack us as people and lure us out of personal data, a one-time code, passport number, credit card number, so the main method

is, of course, common sense. the point is to understand that these organizations do not... should and will not call you, and of course, the bank is developing its digital platform for protecting clients from fraud, we, in cooperation with the state, with the ministry of digital development, with mobile operators, will launch a platform this year that will fight off 99% of such cases, but we must understand that here banks are on the last line of defense, glory god, many other banks have branches where clients can come to talk, our employees very often dissuade clients from making certain... expanding regional presence, which is important, especially since this is one of the strategic yeah, well, i just wanted to ask you about the goals of vtb, as far as i understand, how you are moving, how you are getting closer to people and what new services you might offer in the regions, i will also answer very briefly, probably three main components, we want to become accessible to 100 million citizens, and to

do this, we must be where our clients work or live, where it is convenient for you to work with us. therefore, we are expanding our branch network by 40%, locating new branches where our customers move, we, of course we are also developing digital partnerships with major retail operators, digital and offline, and we, of course, are developing our mobile applications so that any client, sitting at home, can safely complete any transaction. in addition, i will probably mention that we are already opening a branch in lugansk, donetsk. in mariupol, next year rnkb bank, which is widely represented in crimea, will be merged with vtb, and this is financial accessibility for another 2.5 million of our citizens, so for all we are moving forward and developing very positively, thank you for the clear, detailed interview, success, thank you, hello, thank you.

we found time, on the one hand we see an increase in rates, on the other hand we see an increase in the profits of the entire banking system, but in your opinion, is there any other way to fight inflation, and not just raise the rate? and there are also some, by the way, some analysts say that the central bank was late with raising rates, but it was necessary to raise them sharply earlier, there are more than twenty, now already slowly reduce it, but it’s clear that if the decembers were understandable, but nevertheless, do you think it was possible to act there, i would probably... my first thesis: the sixteenth rate, it would be sufficient to defeat inflation , and it could be better used, then the underutilization of the high interest rate, which was and still exists, is its rapid decline in forecasts, no one except the central bank is able to predict the key rate, accordingly only the central

the bank from all government agencies publishes it as a forecast range for future years. until march, the key rate of 25 was targeted at single-digit values, and many banks and corporates looked at these forecasts and perceived them as communicating with the most knowledgeable counterparty in the financial market, and after that they thought, if i take the key rate now plus my loan, i will live in a period of high rates for a very short time, then everything will return to normal, the central bank tells me about this, then. reconsidered, reconsidered, i revised this range upward, and still, in my opinion, this range is very low, it is now 10-12%, in my opinion, but there are ways, without raising the rate, even from the sixteenth, to tighten your communication on the future, to say, this sixteenth will last into the twenty-fifth year for sure, in the twenty-sixth it will not be reduced as much as expected, this lever has not

been fully used, and it can be changed, the second point, in addition to the rate, there is macroprudential regulation, the central bank has. on the other hand, not in the monetary policy department the opportunity to tighten the lending activity of banks so tightly with regulations that this will be equivalent in strength to raising the key rate, you will tighten the screws in terms of lending only if the regulation changes, you yourself will not, we remember, priority number one, our mission is to finance the structural restructuring of the economy as much as possible in accessible ways, well, it’s just that now large banks, including those , have sharply raised deposit rates, without even waiting for the bank’s decision, but there really is competition for the deposit market now, including number in due to the standards eh.

but if this happened, then unfortunately, in the short term, until there is a better understanding of what will happen to the rate, many banks seem to be participating in price

competition. another main question, probably, are these high interest rates, they can negatively affect your clients; their profit margins will decrease, do you expect serious risks in this direction, i do not expect these risks, because revenue from corporate clients is also at a record level is growing, we are not breaking records only profit. banking sector, but also the corporate sector, therefore, since we issue loans mainly to first-class borrowers who have either the opportunity to index their proceeds or find other sources of repayment, on the horizon of the twenty-fourth year we do not see any manifestations of credit risk, but an increasing proportion corporate clients are forced to give profits to banks, yes, that means shareholders will suffer, as i understand it, after all. somewhere they will suffer, somewhere they will gain, well, we’ll see, yes, vasilyevich, you thank you very much, we will watch the game of beads, as you said, and this is really

a very exciting game, but it concerns so many of us, all of us, our economy, i hope that the game will have a positive outcome, thank you very much, everything good, thank you, one of my friends... is getting ready for a new party, we need more modest costumes, dad, our internet is out, and so are the minutes, and dad will now activate the megafamily service, combine up to three numbers for free and get bonus gigabytes every month, only v megaphone, and such debts on credit cards, i will show you a couple of tricks, we collect all the debts on credit cards in one installment, conveniently pay off them in 24 months, and don’t forget about purchases in installments, holva - simple installment plans.

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the russian army successfully repelled 14 attacks in so. boats to foreign deployment points the strikes hit a warehouse storing unmanned militants, air defense forces shot down 48 combat drones, a neptune cruise missile and seven rockets. development of relations with the african continent.