next, we talk about money with andrii dubas, president of the ukrainian banks association, he is on the phone, good evening, good evening, merry christmas. let's praise him, mr. andrii, well , today we will sum up how the ukrainian banking system has experienced and will continue to experience 2023. well, in my opinion, if compared with last year, this year ukrainian banks worked no worse than swiss banks in terms of conditions. to speak, well let 's start with the extent to which the banking system was able to stand on such military rails and protect itself from cyber attacks, defend itself against such market challenges that ukraine has during the war, let's start with the extent to which the ukrainian banks really withstood and survived and were not classified as such categories of insolvent, analyze the situation. if we talk about the 22nd, about the 23rd year that is passing, then in general the situation was quite controlled, because i always call the 22nd, 23rd, 24th year in this way: the 22nd year is the year shocks when we they just put out the fires as best they could. in the

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 o

andriy dubas, president of the association of ukrainian banks, was on the call.ill finish my work on this, but a big broadcast is going on, there will be more later, watch us. and now we will have a conversation with a guest. which, which we invited, well, actually, we will talk with a volunteer, today is volunteer day, i want to congratulate everyone once again those people who work directly on the front line, near the front line, who transport vehicles, medicines, medical equipment, who help ukrainian soldiers go abroad for rehabilitation, arrange prosthetics, rehabilitation processes, who help the families of the dead, this is a huge spectrum work, well, just me, and in view of my work and in view of my certain interest, well, actually, it is the interest of any healthy person in ukraine, volunteering during the war, especially if you not at the front, you should be involved , well, at least in volunteering, that's it, it's important , when i talk to different people, i understand what a huge amount of work it is, but we have a colleague, iryna koval, who is v

we will only talk with the president of the association of ukrainian banks andriy dubas in contact us evening. congratulations, glory to ukraine. glory to heroes. mr. andriy , well, i saw this information today, indeed , i think that a lot of russian rubles remained in the hands of ukrainians after the start of a full-scale invasion, which contributed to the appearance of such an initiative, whether it will really be implemented by the national bank, the regulator will monitor how ukrainian financial institutions, are they not ukrainian financial institutions? will the new ones exchange rubles for other currencies? banks really asked us this question, at the beginning of the full-scale aggression, what to do with balances of funds in russian rubles , belarusian rubles, that is, since these funds are funds that the bank must operate, but it cannot offer the client anything to do with them, and therefore, in fact, for the time being, this was a question in limbo, it is not i will create there is no such significant systemic problem for the banking sector, but it had to be solved, and if

shamail, came to design a vessel called duba, but he could tie a loader, a bulldozer, even one person with a tow wire from this side of the karun river. balfijra hasht after breaking the line of loaders, goldizers, 16 rifles and stone equipment, our troops will leave at that time. and these efforts made him proud to receive a badge of honor from the supreme leader of the revolution. now, the second anniversary of hajj mahdi's ascension became an excuse for his family members to gather in the behesht zahra sacrifice park and honor his memory. mohsen soltani , radio and television news agency. hey, sitting on the front page, many people are talking about people's words, but this meeting is not with the people , stand up for justice, we have reports that the balerk train has crashed, its performance and opinions are the most important at every moment. bride, i am telling you for the third time , what happened to my lawyer? it is not possible. is it really possible ? yes, why not 60? it has been reported to buy a dowry with 60 palaces in 60 times in the city of home appliances. yes, yes,

next, we talk about money with andrii dubas, president of the ukrainian banks association, he is in touchning, merry christmas. let's praise him. mr. andrii, today we will sum up. how the ukrainian banking system was and will be in 2023, well, as far as i'm concerned, if you compare it with last year, this year ukrainian banks worked no worse than swiss in the conditions of war, if we speak , well, let's start with the extent to which the banking system was able to stand on such military rails and protect itself from cyberattacks, defend itself from market forces like those that ukraine has during the war, let's start with how much ukrainian banks withstood 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 the situation was quite controlled, because i always call the 22nd, 23rd, 24th. such so 22nd is a year of shocks where we just put out fires as best we could. in the 23rd year , we realized that we are living in an ongoing military conflict, in the aggression of the russian federation against