ru, st.metimes the statement is heard from high tribunes that the russian banking system, due to state subsidies for loans and increased interest rates, has become the main beneficiary of state policy to reduce inflation. does the bank of russia have an assessment of these excess incomes and a plan for their redistribution to the real sector or budget. thank you, well , indeed, last year the banks showed good profits after the fall. shows that the main beneficiaries there were developers, yes, and not even so much citizens, who, of course, received loans for them low rates seem attractive, but they had to take out a large loan amount only because, as a result of preferential programs, the price per square meter has increased significantly, which is why we talked about the fact that we must first of all pay attention to the affordability of housing, namely housing. and not the availability of interest rates there, that’s what concerns the increase in interest rates, here sometimes they forget