or the criminal proceedings of the national police, it all boils down to one big criminal proceeding, and claims will be filed against the aggressor in terms of compensation for those losses , which are the tasks of panenko. well, after all, i correctly understood that until the end of the war, some international financial help and there, construction help with materials, companies, working hands , it is useless for us to hope and wait for it right, that 's why some part is coming uh, well, abroad no , well, abroad, too, they also understand that it is winter is approaching, including, and we need help with that. in that part, so that we somehow enter it and leave it, understanding the amount of housing that is currently uh, well, practically destroyed, mr. mykola, of course, i can't help but ask about other aspects the life of the ukrainian capital literally just a few days ago. we understood that the

repair of roads, repair work on kyiv roads is being restored, and there is information that preschool educational institutions have opened since the first days of june. well, there are some places in limited formats, but less so the capital is trying to return to normal life, er, people ask me very often. i will now forward this question to you. that the missile attacks continue, russia is certainly not abandoning its plans to capture the ukrainian capital, well , at least we do not have a clear understanding of this, and how rational do you think it is now little by little, but he is returning to the practice of normal life and improving the lifestyle of kyivans, it is absolutely normal , the practice is that people return to the city, we have

to create more or less comfortable conditions for staying in the city, if we are talking about , for example, current road repairs, we are are obliged to do because, again, after we know, well, temperature drops after winter , it is usually necessary to repair it all, we repair it all, of course, we cannot afford to build new roads these days we had plans to reconstruct them in general, but we are obliged to maintain what we have in proper condition, as regards, for example , the work of kindergartens, yes, indeed, we opened regular kindergartens in the districts, understanding that the kyivans returned to the matter, returned a small the number of children to the city and parents when they are at work they will need to leave er attract children, the only thing i want to say is that we do everything all the mitigation without comfort including the operation of public transport the operation of the entire infrastructure of the city without damage to the security of the city as a whole, because we spent a month and a half, starting from the 21st of the fourth

, building the defenses and defenses of the city, now uh, doing one or another comfort for the citizens, we do it here without harming the defense of the defense capability, thank you for this and the last question will concern vicissitudes with renamings in the capital, how hot are these discussions now and what are the plans in this direction for the future? to the renaming of the streets of the party in the squares of the station in the state of the subway on the demolition of certain monuments of the renaming they are working, everything is working for today, thank you for this inclusion mykola povoroznyk, the first deputy head of the kyiv city state administration was in touch with us and told us how kyiv is trying to recover from the first consequences of a large-scale invasion and is trying to

return to normal life. well, in kyiv , a large number of kyivans who were forced to of this invasion, go from the capital to contact us further vasyl furman deputy chairman of the council of the national bank of ukraine mr. vasyl i congratulate you glory to ukraine i congratulate you glory to ukraine death to the enemies ah death so uh-uh as far as it goes based on our previous conversation with the previous guest as far as legislative initiative on writing off debts for loans for property destroyed during the war . we have such an idea. we understand that people who obviously, i don't know, have loans for this or that property and lost it as a result of war actions are unlikely to have the opportunity to somehow cover the debts for these loans. please tell me

how you would implement this idea correctly so that it works for people and does not put too much of a burden on the banking financial system in particular. thanks for the really important question . there are bills submitted to the verkhovna rada on the signing of arrears on loans whose collateral was destroyed property. i think, well, again, i am expressing my point of view as an expert on this issue, the law will be adopted banks will write off such loans at the expense of uh, well, to form reserves simply at the expense of profit, to write off. in this way, it will work some kind of compensators, well, for the banks. i think that this discussion will be in the ranks of the verkhovna rada, because whether it is necessary to give the banks the opportunity well, for example there some tax incentives, in particular hmm, we need to

discuss this issue, that is, the only thing we can say here is that on the one hand, we understand that there will be huge losses of billions of dollars, but if we are talking about those apartments that are in lien well, what i hear is that not a large part of such apartments was loaned during the war , how active is this process in general, is there a demand for loans, and the most important thing is , under what conditions does this all happen? well, to be honest, in the conditions of the war, the most popular are credit programs with state support, this is also when i put it in the first place, and in particular, there is such information that during the operation of the trading network there is generally 0%. and the state compensates

mechanisms for this program to constantly expand access to such loans, as for loans that are not part of the 579 program or other state programs, banks lend to borrowers on the one hand, but they are very, very careful in issuing such loans, mr. vasyl, i am looking at raising the discount rate or the refinancing rate i want to ask you by 15 points, we immediately increased from 10 to 25, i.e. 2.5 times. will lead to the closure of more than 20 banks and harm the financial stability of ukraine this is stated in the letter of the president of the association of ukrainian banks andriy dubas to the head of the national bank of ukraine kyryll shevchenko, according to which the national bank of ukraine called on the national bank to maintain the interest rates on early re financing loans as of

june 1 for the period of martial law and three months after its termination. what do you think of the reaction of the aup to the change in the financing starter and which banks, 20 or maybe less, may now close due to the increase in the re financing rate to 25 i am asking an important question. thank you. the constitutional function of the master bank is to preserve the purchasing power of the national currency. and today, all the measures taken by the national bank are negotiations, first of all, on this significant increase in the discount rate, what are the advantages of increasing the attractiveness of hryvnia assets what about that well, we saw that on the one hand there was high inflation and people, if you received some money and they wanted to save it, then they, well, the yield was low on hryvnia assets, then they, well

usually they either buy conditional dollars or they may buy household appliances there, but these are all imports and they thus influenced our gold summer reserve further by increasing the yield on deposits or on bonds and domestic government loans because well, if we talk about the economy, there is a transmission mechanism the dependence between the military machine tools, which is between the discount rate of the national bank and the implementation of the fact that, in this way, there is a connection with the fact that there will be an increase in income, then the population's demand for currency will decrease. well, the pressure will also decrease on the gold-bearing trees of the national bank because the national bank for what, for example, if in march and april there were 2 billion each we sold monthly, then already in may we sold 3.4 billion from our gold free prize winners, it is clear that this will be gradual and a problem multiplicity of exchange rates, because today we have a non-cash exchange rate, an official exchange rate on the black market. by the way, according to the decision of the

national bank, i, too, have been watching the hryvnia exchange rate for the last few days. it is clear that this will also reduce the mission financing, we will become a bank of the budget, because of the national government bonds, domestic government loans, military bonds. they will become more attractive to investors, because, well, we used to have a yield there. by the way, one of the percentages so far. did not change. i am also interested in the indicators for today's placement, but they will be a little later . well, it will definitely have a positive effect on inflation, but i still wanted to return to the forecasts of the aup, are we really facing a bank crash on 20 banks - this is quite a large number, please. see this is the personal opinion of the ukrainian association

of banks. i have not heard of any other studies. again, this is a forecast. i cannot even comment. there are stronger banks. it is clear that at the beginning of the war, when we took a number of measures, we became the goals of the acquisition system and that they worked 24/7 to ensure the preservation of funds of physical legal entities, by the way, there was then a presidential initiative supported by the verkhovna rada and today all those who are in the banking system of citizens in independent of the amount, they are guaranteed by the state there plus three months of martial law, so our citizens can not worry that they can spend some uh, well , their savings that they have in the banking system . andriy added. i personally did not communicate with him on this issue. i believe that in general these are his, again, this is a personal opinion , let's once again ask the question of accounting rates. i

have heard how many opinions of different experts simply you understand, and every opinion and criticism was a lot and a lot of those that you are just very difficult today as a simple citizen after all. what is important is that there should be a hryvnia that does not depreciate so that prices there do not rise significantly. that is, well, then the national bank, by raising the discount rate , thus influenced decisions on the market simply. so it is clear that there are disadvantages from such but for us at this stage, the solution is to maintain macroeconomic macro-financial stability, it is very important, simple, but with regard to lending, yes, it affects lending, but this is how, first of all, during the war, state programs work, well, that is, they support business. that is, they need to be expanded , expanded, and influenced by them a that can potentially have problems there is really i understand what it is about from the point of view there it is deeply simple does

the viewer need to know that banks once attracted a year of financing under one decimal rate today, they have more than three financings because the national base is more than the discount rate, that is, these are not favorable conditions for them. they have to enter the market with a high deposit rate, this will affect their indicators. sorry , this is a business, and today we have it again . the goals facing the national bank . first, the goal is according to the law on the national bank. this is the preservation of price stability. this is what the national bank is today. well, a key note is being raised. the second goal is a financial one. stability, yes, the banking system must be stable, that is, the national bank did a lot for this before the war here in the bank, what system we have today, which works during the war almost the same as before the war, this was just heard by the nbu , which successfully carried out 7-8 years of reforms there as for this , again, let's give economic growth, that's why i believe that your forecasts of the outsociation of ukrainian banks are

premature, and well, i wouldn't rush into such phrases, how many banks have i been there that will have difficulties or will go bankrupt, will go bankrupt, see it is still possible at the end, i analyzed, do you remember the first period of the war, the veil is active after 15, stronger than then, what problems did we have then, do you remember the consequences of 100 banks were bankrupt today, the decisions that the national bank makes, they are correct and balanced in that number, taking into account the experience we had at that time. well, according to the forecast, according to preliminary calculations, more than 50% of borrowers will stop servicing loans in the event of an increase in the interest rate, while already many customers they turned to the banks with a request for restructuring, which means the automatic deterioration of the structure of the banks' assets, this letter says e.p. sergey, okay, well, this is their forecast, look, but

in general, if you take it possible, it is wrong if you take an increase in the interest rate , what is it, what does it say, what cheap money will not pour into the economy, and there will be no cheap lending business, there will be only expensive money, which means that we cannot wait for investments in production you say that government targeted programs are the only ones that can be counted on, but well, it is difficult for private small and medium-sized entrepreneurs to get access to such similar state programs as you say, we remember the period of the 90s, you remember the huge inflation, unemployment, decline in production and constant printing money in our national bank. it was a negative period of development of our state, well, from the point of view of the economy and

those national bank. this is how i wanted to act again. well, i was speaking for an ordinary citizen what is important is a stable hryvnia, low inflation, it is clear that there are other goals that we can talk about, so we can’t . has some disadvantages if today, well , put it on the scales, that is, which decision is the right one. i think the decision of the national bank is the right one in a timely manner and it will show and give results, and when we will be there in three months instead of communicating, you just say yes, the national bank is right, yes, it is possible national the bank is too conservative, yes, all central banks are conservative, you understand, simply because they have official procedures to go through discussions and they are responsible for them. the second simple question, that is, they did not know the bank in which rate it increased to 25, you can no longer do it, it will be for a whole year or six months. that is, we said

about what we will lower it and so the question arises. when we will take it and there will be a lot left here, how will we finish the war with threads? to receive e-e how quickly will the ukrainian economy work, you understand, there are a number of components that will affect these things, but this decision of the national bank is correct, it is economically well-balanced and it will give, well, in my opinion, its results, that is, it is very important, it just affects something in generally positive at the level of positive for the infectious mood of business and the population well, all this is very very to him, well, it is clear that for us it is very important that we live as much as possible so that the ukrainian economy works as soon as it works, we are dancing again let's put it this way, each of us will simply feel the positives from this, mr. vasyl, i can't help but ask, have you actually already commented on the stabilization of

the national currency rate in connection with the decisions of the national bank, in particular, i want to go down a little on the consumer let's say the level so that you can simply explain. well, yesterday, one of our tv viewers contacted me and noted that he intended to buy the dollar currency there, for example, he turned to the branch of the state bank, in fact, he was told that the national the currency is available, but they refused to sell it at the exchange rate that was actually specified by the same bank. it seemed possible to buy this currency in a branch of the state bank only at the exchange rate that was close to the figures that we see on the e-e exchange board, so please tell me that i had to answer people with a boy's mind. look, a few weeks ago, the national bank lifted restrictions on the sale of cash foreign currency

dollars or euros to citizens of ukraine, and today the exchange rate in commercial banks is close to of the black market, well, as for buying and selling, if we are talking about cash, that’s why i’m just not me, i don’t fully understand, well, there’s the question of the viewer who says that there is some one rate and there’s another rate, that’s just that, or it’s necessary then in fact, of course, it strongly controls the foreign exchange operations of commercial banks, if you give me this information, well, let's say it's a theory and it's better to analyze each specific case, well, it's not a trend. that is, there is another question, well, it is related to the fact that, well, again, not all restrictions withdraw in the foreign exchange market and banks do not always allocate cash

currency. yes, this is true, but once again i would like to draw attention to our viewers, just once again, in the first days of the war, we really had a number of restrictions on the foreign exchange market, but this all gave us the opportunity to maintain currency stability of the state according to the arrangement for the 14-15th year, a three-fold devaluation now, if there is a devaluation, it is not significant, and even though the challenge of war is much stronger in this period of time, if you have money, please buy military bonds, in this way you will contribute to the victory of our states over the enemy, thank you for this analysis. thank you for your work. thank you to the national bank for decisions that help keep the financial and economic situation of our country afloat in extremely difficult conditions. vasyl furman, deputy chairman of the board of the national bank of ukraine, was with we are in touch well, it's time to turn to a military expert for analytics

on everything that is happening now on our fronts oleg katkov, the editor -in-chief of defense express, we are in touch olezhe, we welcome you glory to ukraine well, let's go. please comment on the statement of the ukrainian president. he gave an interview to the great times show, saying in this interview that a great just victory in this war for ukraine will be its independence, the return of our territories to the integrity of inviolable sovereignty, but for today i i think that the return to the borders that we fully controlled on february 24 is a very serious temporary victory, it is temporary or there should be a complete de-occupation of our territories, said the head of our state. he added that the victory must first of all to be on the battlefield a strong strong situation on the battlefield when we can really see our positions the equipment is powerful our strength is not inferior to the amount

of that russian equipment because to advance for this you need at least 10 times the equipment and at least 10 times the people that we have more desire but less technology so far, that is why we cannot move forward powerfully until this happens , it will be difficult for us to act, there will be great losses, and the main opinion of the president is that the temporary victory is the control of the territories as of february 24, and it is complete the return of all territories was said by zelenskyi, your comment, well, in my opinion, i paid attention to the ratio that was indicated, this is a 10-fold excess, this is actually an extremely important indicator, it was so standard, they operate in separate nato and about the queue in the last usa, that is, if according to the soviet statute of offensive it is possible even with a stolen advantage both in equipment and in personnel, then misha puts us tenfold and this has a huge challenge for the armed forces of ukraine for the concentration of such forces and for obtaining

help at the same time. if we will really have a tenfold advantage, that is, we are talking about the fact that we have a million personnel in the russian army . and we should have 10 million capable of doing things . simply banal reduction by means of remote warfare, that is, always with the help of high-precision weapons, there was a lottery of missile systems of the enemy on the other side, and this is the advantage that should be achieved in tenfold in size means that we must receive weapons, uh, well, many times faster, that is, not in batches of 100 guns, i already talked about heavy weapons, and every week, uh, 100 guns. every week, 50-100 tanks, and unfortunately, for the whole time we have never seen such a pace yet. in

your opinion, we are now on the way to creating precedents . well, that is, now we are planning for ourselves the weapons that will be supplied on a larger scale in the future. are these all the paces that we can expect from our partners in reality enough it is difficult to say, but if we see for ourselves, if we were at the beginning of the conflict, there was a question: how many javelin anti-tank systems do you have, will there be 100 or 200? now we are already operating with such concepts as the final haimars khm-270 e bdmu missile systems . about we are already receiving self-propelled artillery from margaritas and from other countries, the main thing, in my opinion, is approaches from italy about e self-propelled artillery installations, in particular, m-m is already being used. as far as i understand, we have caesars the commander-in-chief wrote about this literally a few

weeks ago, it seems, and i also, as far as i understand , paladins work in the same way. we already have it. it’s simple , what i can remember now. tell me how effectively these weapons demonstrate themselves in the conditions of our type of war with russia. by the federation. can we talk about the effectiveness until now? again, we do not have enough of all these weapons. it is quite an excellent example that i am from caesar , mine is from france . roughly a few weeks ago, they already looked around under a hundred other artillery systems of the russian federation, how they did it thanks to the high accuracy of mobility and the perfect fire control system, when the operator simply enters the coordinates of the target, which is scouted by drones, and the community does everything itself, except

for loading, all that people have to do is give the projectile and thanks to this, it allows you to destroy directly at a long range there, objectively up to 40 km. this is if it is killed by steel boron, if it is active in a reactive way, then up to 30 km e i will fence off the enemy's artillery. that is, it is used as a surgical tool specifically in counter-battery combat, regarding the behavior here is an important aspect. everything should also be carried out in the control of the fire, so far even the conversation about it, unfortunately , is not going on, but this technique is available in hives and we have a base company in the united states and an organization in the american army, that is, in my opinion, we use it we will receive it a little later, sir

. comment on the situation in the southern direction of zaporizhzhia and kherson. the head of the zaporizhzhia regional military administration, oleksandra starub, said today that russian troops are withdrawing from two districts of the zaporizhia region, from melitopol and part of vasylivskyi, this is south of zaporizhzhia, vasylivka 60 km melitopol 120 he said that the russian units are moving towards kherson and suggested that this may be a rotation, he also reported that along the demarcation line continues active hostilities, the ukrainian military is giving the axis or the enemy a clash, there are nuts in gulyaipole from merchants, komyshuvakha is constantly suffering from settlements near e-e, rotation or not. zaporizhzhia, to push back the russian artillery, i am asking again, we remember that you started these questions about a tenfold

advantage for effective combat operations, that is, now in we are at that stage of the war, which differs in that we do not have parity for the introduction of effective large-scale contracts. that is, we can push back the enemy, we can pick him off, but then he goes on the offensive again. and to introduce language about some large-scale consequences, for example, we had a very good example with this counteroffensive in the kherson region in the area of ​​the david turn, when we moved the enemy and broke his offensive offensive, that is, in relation to i do not expect such actions in the near future, for example, some such breakthrough actions by the armed forces of ukraine, because now the main issue is actually the containment

of a--and, in general, hostilities in the severodonetsk region will continue there until then, and the situation to all our forces are practically tied up and all our maneuvers will only serve to divert the forces from this direction, we are also informed that the enemy is trying to dig in the izum- in the izum direction, in your opinion, is this possible in connection with the fact that they took control of liman and we understand well, if we take the logistics component of this story, the izyum group can strengthen the enemy group in the north-donetsk direction as well as in the lysichan direction. well, and then sloviansk kramatorsk as far as i understand, yes, there is a rather negative situation there, in fact, it is threatening with the writing on the northern bar by a rather powerful box of the russian federation, and in my opinion here, our

command will first of all need to make a military decision regarding defense in general of this entire section of the front from slovyansk to north donetsk and not pay any attention to political manipulations regarding the maintenance of certain areas of the fund. this is my personal opinion, because in the case of political manipulations and