if you still have some curvaceous ones, you know the lessons, they are like this, they are so big, you know that the average height of a russian is less than the average height of ukrainians. well, what do they mean? every time he talks about how they abuse alcohol with the word uh-uh they have few vitamins uh they lead a not very good lifestyle of sports there is little you know if i were a russian inventor you know if i were i would be some kind of invention of a bazooka without ribs happily, vodka with vitamins would solve all their problems, god just don't show this in russia, they'll use it like this that's the end of our first hour with andriy seychuk and the beginning of the twenty minute with andriy yanitsky economic news well, we'll be back with andriy sychuk later andriy to you thank you, colleagues,

we will talk today with economists about the exchange rate of the hryvnia and the basics of the banking system. 23:00 and when it suits you you can find us on youtube espresso tv channel by the way, if you are not yet subscribed, subscribe comment send the link to your friends like us more people will see us in ukraine due to large-scale power outages, we have increased the amount that can be withdrawn in cash at the cash desk or in atms at big banks can withdraw from 20 to 50,000 uah at a time, you can also get cash from your card in supermarkets, they reminded the national bank that from 500 to 6,000 uah are issued at the cash desks of atb silpo fora, fofozi varus novus roshen tray, trash point and eve

, any commissions are also canceled if a person withdraws money from an atm of one bank but has a card in another, it is recommended to have at least a little cash so that it is enough for us to provide basic needs during the week, so it will be easier to appoint and pay subsidies and benefits for the payment of communal services will now be the pension fund is such a right he received from december 1st, it will be possible to receive state assistance in several ways, this is a traditional application to the department of sending documents by mail or through the mobile application of the fund or through the action portal, citizens who spend more than 15% of the total monthly household income on utilities can apply to any service center of the pension

fund regardless of the place of official registration with small business works with candles, batteries and generators during power outages and emergency shutdowns, how businessmen adapted to the disappearance of electricity, let's see in in the story of our correspondent, from the beginning of the full-scale russian invasion, the ukrainian authorities called on businesses to work, entrepreneurs moved to safer regions and resumed work in the liberated territories, however, in order for ukrainians to eat fragrant bread or drink coffee with a cake or shop in a supermarket , entrepreneurs had to work in new realities, and recently something with limited electricity, how do they manage it further

, this is almost the largest shopping center in lviv , there is a huge shopping gallery here a supermarket and there are also many cafes and restaurants here, this business has dozens of people and hundreds of ukrainians are employed, and recently the establishment has also become a place for during power outages , you can confirm gadgets to warm up and have something to eat here, they use four generators with them we are trying to light up the entire premises, we have prospects we have to reach one hundred percent security, but this is under certain conditions, if our tenants comply with our savings requirements, then we will be able to work stably, not as usual, but in such under limited conditions, i.e. to provide heat, communication, water, etc., and for one shelter for our visitors from our employees, this is a

limitation in the consumption of electricity by our tenants, switching off at the plant, which daily produces more than 20 tons of various products of bread and sweet pastries, they can provide half a million people are already used to power outages, they work in two shifts, however, they are preparing for longer work without electricity. despite this, they are convinced that bread will not become more expensive, from time to time we we switch from one power source to another. it takes up to 10 minutes and there are no special nuances in production, although a week ago there was no electricity in the entire enterprise, but now the local power engineers have come to meet us and are disconnecting only a part, we ordered a generator and are waiting for its delivery in december therefore, we will be independent from power outages, this is also among kyiv coffee shops, the oldest

vienna coffee shop in the city is now open for visitors and is trying to work, the director of the establishment says we decided to work to provide jobs for people, because there is no question of earnings now. and when they started turning off the electricity, we had to look for alternative means of power supply and started with candles . it is necessary, we have both gas and electricity , so we can work in the kitchen with gas, so far, thank god, we have a generator with which we connect kitchen appliances, that is, in the hall in one of our halls, there seems to be an outage, this is already for ourselves developed such a method and today we can ensure that

this one hall works. where we are with you now, that the coffee machine works and that you work in a minimal kitchen, but in this small coffee shop in the sleeping area of ​​the city, the establishment is completely dependent from electricity, and here they turn off the lights every day, as well as for all lviv residents, to provide the premises with alternative power supply, the owner and volunteer olga teslyak cannot afford too much, what can they do without light in the kitchen, they do with a flashlight and they mainly sell sweets from the shop window and tea from a thermos. i am ready to adapt to anything because i understand that it is not. well, let's say that it is a priority. although if i don't have a business, i won't be able to. if i don't volunteer here, i won't be able to help . well, that is, it is all interconnected, and the question is if there were at least schedules, if it were possible to establish some schedule of those shutdowns. we could then, i can adjust

the work. for what to count on tomorrow and when it is turned off. this is how half of the products that are currently in the ovens are thrown away, for example. is this technician collapsing? we told only about a small part of the business that is trying to hold on, and almost every entrepreneur in ukraine faces such challenges during the war. and despite the difficulties in work business continues to work to support the ukrainian economy and provide ukrainians with jobs in order to confidently go to our victory khrystyna parubiy roman kovalyuk espresso tv channel and business cannot to work without the banking system without the possibility to pay with cards, we will talk about this with our cinema guests on wednesdays, we have an associate of the expert-analytical center for the case of ukraine, yevhen dubagrista, a financial analyst of the icu group of companies,

mykhailo demkiv. greetings. good morning. er, some banking institutions, er, i suspect that it is also about the national bank of ukraine, er, of course, they say different things on their television, but is it possible at all to physically damage our banking infrastructure in some way, how protected it is, let's start with mr. mykhailo, and then yevgena, listen , there are really conversations about such things, there are russian laws where they constantly pester us, and here we are certainly not talking about the destruction of some bank buildings , but the destruction of the infrastructure, i.e. if you stop payments in the economy, it is possible to cause extremely large point damage to ukraine. i believe that this risk is exaggerated by the russians too much

hang out but of course he can do harm, first of all, let's talk about card payments. they are probably the most protected and the least vulnerable, because at least the largest banks talked about transferring their e-e servers abroad in a safe place and they are not threatened with destruction, and the connection actually goes through international payment systems, so pay e-e in a store or you can transfer funds to a card, the main thing is that there was a connection and that there was electricity to send this e-e this message, but when it comes to speech about the system of electronic payments, calculations between companies, between banks, between institutions, as well as these transfers, which are cheaper when you, er, do not use the details of the card, but the details of the account,

such payments are sometimes free or there for 1 hryvnia, about everything i did not see the message did they move the servers to a more reliable place, but that doesn't mean that it didn't happen, rather, it doesn't talk about it because of irrelevant questions. i think that there are not stupid people in ukraine and they took care of it, but because of the lack of electricity payments are slowing down and this is clearly a fact , yevgeny, maybe it’s not about missiles, maybe it’s about some kind of cyber, like cybercrime, is there such a threat? well, you once worked at the national bank, maybe you know better how much everything is protected there, protected information, or is it duplicated in some way maybe these servers are somewhere underground, well, of course we don’t say the addresses like that on the servers, i’ll say so right away, i really agree completely with mr. mykhailo that the threat

is greatly exaggerated by him, i won’t say where they are i don't know where the exhibition locations are physically located, but the electronic payment system is really, well, very low. the risk is that what will happen to it until the banks can't make mutual calculations on cyber security, this is an issue the national bank has been very concerned about since the 15th year and with the recommendations of international organizations and simply because it is necessary, a lot of attention was paid to this, and we saw that at the beginning of the invasion of the russians, there was a lot of cyber, there was a lot of planning the infrastructure of the largest banks, banks with this very they managed well, so here too, the risks are minimal , that is, that the payment system will work, that the infrastructure will work, and i have no doubts that those banks in which e-e data were stored physically on servers in ukraine, they have already

almost all transferred it abroad, this and cloud servers and physically this serverism are located abroad, the only problem is the uninterrupted work of bank branches, because even if the system is working, it worked, payments, calculations during this disconnection of my massive all the same people need access to banks, they need access to cash, and the national bank is currently working on this. the national bank is very serious about this . what to do and the banks are really preparing now, this is the first priority task for the banks, we talked a lot about capital, liquid, all other things, but it turned out during the shelling that the most important thing is the physical presence of banks, the physical presence of branches

it is physically possible for the public to withdraw cash and pay for the actual cash. i wanted to clarify with you at the beginning of the program, we said that we had increased the limits for withdrawing cash at atms and at the cash desks of various retail chains. this is a personal matter, for what period do they advise at the national bank for a week at least to have a reserve of cash with me and there are people who say that i am going to withdraw everything there and deposits and lose interest for your advice mr yevgeny let's continue i i would say not about a week, about two weeks, that is, calculate the average expenses for two weeks, how much was it for a person, multiply it by 1.5, this is for loyalty and have this amount with you, and for banks, the task here is to partner with e-e trading networks first of all, that is, that this money can be

withdrawn not only at atms, but anywhere, in fact , in any store, and the second task is to eliminate all commissions, because many banks offer the opportunity to withdraw cash, but with a commission, and for people it is actually not very nice it seems to me that by temporarily canceling commissions for withdrawals, any banks will gain more in terms of customer loyalty than they will earn from these commission incomes. it seems to me that the national bank should convey this to the banks that there are no commissions for cash withdrawals. it will be good, but to have the amount in cash, e.e., cash in your pocket. well, it is possible just not to save the salary on the card there, at least half of it, and keep it in yourself, in your wallet. you can provide for yourself,

you need to have it in different currencies or something, look, we are talking about such a thing as ensuring daily calculations in the past. in a more peaceful life, residents of large cities could not use cash at all. now , unfortunately, there are no such interruptions is with electricity and electricity, and uh, probably up to the monthly sum of your future expenses, you should keep it in cash just in case, and it is usually about the ukrainian hryvnia, this is the currency that is accepted on the streets in shops , etc. i transferred the game to cash for the simple reason that there are also security issues, and it is a worrying time, sometimes you have to go down , move somewhere, and it is simply dangerous to carry large sums of money with you, they can be destroyed, they

can be, it is such a risk, unfortunately i have to deal with him, and this week there were the first conversations about whether or not we should let go of the hryvnia against the dollar. let me remind you now that we have a fixed exchange rate pegged to the dollar, and there is an official one, and there is a market rate that does not differ much. it is different, but there are conversations that the market should regulate the exchange rate itself. i saw that evgeny dubogrets wrote such a long column on facebook. could you retell it in a thesis statement? and what are your thoughts on whether the hryvnia should be made free during the war? if it is a thesis statement, right now, i i think that it is not the right time to do it at all. of course, it will be necessary to do it. and the national bank will certainly do it. maybe even at the beginning of next year, but right here and

now . free swimming courses - it's just to increase this uncertainty, increase er instability in the economy, how should i do it? it's not necessary, at the beginning of next year, more confidence will appear. do you think so, well, the beginning. this is the first half of er next week, the monetary committee of the national bank it seems to me that such a decision as the exchange rate intefixation or its removal is more of a matter for the monetary committee, our humanitarian committee is meeting next week and even then it will be as late as mid-january, so i think that this the question of removing the exchange rate will come up more at the next committee than now because now simply no one will increase this uncertainty increase this instability but in the end we

will have to move to a floating exchange rate in any case this is a necessary condition of a market economy just now during these shelling during possible blockades. it seems to me very impractical , well at least they are suffering. the exchange rate is not at the market rate and they lose thus a certain share of income. mykhailik, let's complete the program with you. the same question is also whether it is worth releasing the course. and if they do release the course, will it not fly to the sky? right now, about uh, about releasing the exchange rate , because the western partners have promised, in principle, for the 23rd year, uh, fairly significant amounts of funding that, in principle, fully cover the

declared need of about 40 billion dollars, i.e. in fact, even in the case of a full-scale war, all 12 months of the next year, but with the arrival of the promised funds, the national bank can keep the exchange rate at 36.6 for the entire next year, while the market exchange rate on the street is unlikely to differ significantly from the official one, so it will be higher but not critical. if this aid stops coming in smaller options, it will be less generous, then the national bank will have to resort to one-time devaluation again. maybe there will be 15% interest, but this is already less likely option thank you that it will be okay then we will return to the floating exchange rate and our time is up, you were with us mykhailo demky financial analyst of the icu group and yevhen dubogrets associate expert

of the analytical center case ukraine and i host andriy yanitsky with economic news on espresso together we will win the war in in ukraine, the main topic for ukrainians is victories and losses, analysis and forecasts , politics and geopolitics, serhii rudenko and the guests of his program will talk about all this, people who have information and shape public opinion the people who defend ukraine and create the future are now the main and interesting thing in the program verdict by serhiy rudenko monday through thursday at 5:10 p.m. repeat at 9:30 p.m. via carpathia 2022 forum lviv

december 3rd and 4th via carpathia during the war in defiance of the war about the trials it faced ukrainian culture in times of war talks about losses, challenges and opportunities for ukrainian culture halyna krug rostyslav derzhypilskyi mykola knyazhytskyi bohdan tikholos leonid finberg iryna tsylyk via karpatia 2022 discussions presentations presentation of the stanislav vincenz award follow the events of the forum on the espresso tv channel via karpatia forum live december 3 at 11:10 and 12 and 10 december 4 at 12:10 i'm iryna koval i'm a volunteer our military at the front need a lot of things every day and that's why part of my life today this is help

to the armed forces of ukraine and i am very grateful to my colleagues for supporting me in this sport during the war, what is it empty stadiums without fans in the stands deserted sports halls and also destroyed sports facilities our athletes lost the opportunity to train at home because of the war and were forced to flee abroad to prepare for the upcoming launches, those who remained with weapons in their hands heroically defend ukraine in this war, the second place of ukraine will not suit us, we need a victory, each of you is a soldier, saving the lives of our soldiers and bringing our victory closer espresso continues its second hour begins and the time i think and

at the beginning of our program, we said that serhiy kislytsia, the permanent representative of ukraine at the un, proposed to rename russia to muscovy, says v we now have all the cards in our hands and all the possibilities for this, we called on you, our viewers, to offer your possible options for what you would like russia to be called well, and i will read some that have appeared so far, so far there have been news of the economy, so a-a marauding tetyana belik offers a-a yes or she also offers a bomzhestan to you like andrii not bad not bad yes from chikhlibania a user named denis offers and this is quite funny yes eh well listen to this we are this little russian and from analogy it is very difficult to pronounce the analogue

govnetia it's not not there just a pause not not there emphasis no yes, i will learn here by the next hour how to correctly pause in the word analog in the net they said correctly now everything is correct from their goal of the very favorite phrase analog no, well , it means there is a super weapon analog no andriy sachuk and lesya vakulyuk good morning we continue to talk with our guests serhiy danilov deputy director of the center for middle eastern studies joins us serhii good morning i greet you i greet the audience eh well let's talk of course, we are talking to you about iran and all kinds of middle eastern issues that affect us, but besides that, we know that you recently returned from kherson, you went there because this is your little motherland, i was not

born in kherson, but i fell in love with this region, i worked there a lot since 14 of the year and made friends with the people and fell in love with these lands, and how do you like these lands after those who we now want to call, we want to call it muscovy, as the sorrel suggests, occupation is a very serious disease , one smart friend of mine said, this is true a huge trauma is not only the destruction of the physical infrastructure of houses, roads, everything else - it is the destruction of lives, these are people who have aged many

years in these six months. it is necessary to invest, it is necessary to think how to get out of, how to start, how to live, how to recover and develop in new conditions, well, this is not the business of kherson oblast alone. this is the business of one country and it concerns all the occupied territories the territory that kherson showed in general, the example of kherson, in particular, about the fact that it is one of the regions that was considered pro-russian, and the russians themselves also believed that this is a region that can easily be reflashed there, conditionally speaking, under its imperial identity, and those 8 months they showed that it is not very he managed to show that this is the new galicia, that these are the new bandera people, even so. that 's how i am, and why do i then insist on such a definition because of the heroic resistance that took place

both on the left and on the right bank, those partisans and the struggle is not the yellow ribbons, the uh, the graffiti, mmm, as a result, they led to the fact that the occupation was very expensive, they were not able to implement their regime there, they were not able to fully establish their administration, now, for example, we talked with several communities, one of the main ones problems, people are very angry at the fact that the government is singing over the field, and not only those who are there, those are those . had contacts there, fed, maintained some uh friendly relations with russian corners, they are considered in the community as traitors, collaborators and want punishment and put pressure on the authorities, the rejection is so

great that for people any contacts for communities any contacts with the russian occupiers now and during is considered a crime well, both the authorities and the local and power bloc, he is actually now under strong pressure because people are shouting that they will burn houses and for legal reasons. they saw that the author was consumed together with the russians, there are no legal grounds for bringing you to justice, but for the people you are a leper and they call you that word and think that you should be punished so that and for this, it’s just a testimony, an illustration to your question, and that’s what a pro-russian this region at 0%. well, even look at

mariupol, which is currently occupied, they say that people who were forced to return because someone is guarding their house, because they say that it can be taken away while he is not there, then they are in the occupation, they still make lists of collaborators , and it is clear. when mariupol, for example, returns to the control of ukraine, people will come with the same lists, for sure, people will demand the same as in the kherson region, that some kind of punishment be fair. actually, will our law enforcement system be ready? to the point of somehow demarcating or showing these people that what they did was bad or that it was still the responsibility of the citizens of ukraine themselves to arrange well not to burn houses but at least arrange such an obstruction so that these people simply understand what they are doing