[000:00:00;00] match comfrey from dr. theiss and you get back to work comfrey honey german ointment for pain in joints and muscles fact ligaments natural without comfrey from dr. theis ask at pharmacies pharmacy good day and one social pharmacy comfrey honey 100 grams with a 20% discount events the most important events, events that are happening right now and affect our lives, of course the news feed reports about them, but there is little to know what is happening, you need to understand antin borkovskyi and invitation experts soberly assess the events and analyze them

modeling our near future every saturday at 1:00 p.m. with a repeat at 10 p.m. studio event with anton borkovsky nayspresso greetings economy news on the espresso tv channel my name is andriy yanitskyi if you watch us on youtube please like it send the link to your family and friends and don't forget subscribe to the espresso tv channel if you can, if you want to sponsor the tv channel there is a sponsor button , additional opportunities for commenting and exclusive materials will open up for you , we will start with such a russian financial a pyramid for almost 40 million dollars operated in ukraine, the security service stole such a large-scale fraudulent scheme, the organizers offered so-called clients to invest money on the account of a company that supposedly helps multiply

their capital investments, the fraudsters also guaranteed bonuses for attracting new participants to the project, the organization involved more than 10 people, primarily this citizens of russia began to work on the territory of ukraine, even after 2017 they managed to deceive more than 1,000 people , the security service calls on citizens who became victims of fraudsters to inform about this expansion of production and presence on the ukrainian market, this was discussed during a visit to ukraine by the chancellor of the minister of economy and climate protection of germany , robert habek, and representatives of german companies, they are interested in the mechanisms of war risk insurance for foreign investors , prime minister denys shmygal expressed his hope for the participation of germany and german companies in the post-war reconstruction of our state, the battles for bakhmut continue to rage

, avdiivka was killed in donetsk luhansk the terror of the civilian population continues in the regions, but ukraine is not going to give up and with the support of our partners with the support of germany we will definitely win we are preparing for the spring offensive of the counteroffensive and we are all deeply convinced that we will liberate our territories and have the support of our partners conversations with our guests. i want to remind you about a new youtube project related to the economy , it is called business with andriy yanitsky. i invite to this program business representatives who are either small businesses that have shown their sustainability and development and can share experience with others or this is a business created by resettled veterans or a business that has a great social contribution

to the development of our society and has something to tell about if you are such a businessman or you know such a businessman and want to get into this program , please find me at write on social networks, i will come and see if such a business really exists, how it exists, let's agree and you will appear on youtube, the business project with andriy yeniyskyi already has 4-5 issues. look at you won't regret the youtube channel, it's very interesting, and now i invite guests to the broadcast of financial analysts, financial analyst of the icu investment group mykhailo demkiv, as well as financial expert yevgeny dubogryz. greetings. good morning . so, the main news is probably, well, last week and still this week, it is a loan from the international monetary fund for ukraine, a record loan

in the amount of more than 15 billion dollars for 4 years , we have already discussed it a little, but today there is something to talk about in more detail because the memorandum has been published and there are already some nuances, well, since we let's talk more about finances, uh, i'm interested in what will happen with ukrainian banks as a result of the implementation of these agreements , maybe with mr. yevgeny, let's start . and in general, a very simple rule for evaluating such documents as memoranda, we look to understand what worries our partners, what we are obliged to do took it upon ourselves to look at the so-called structural beacons , that is

, specific actions, specific obligations that we have to fulfill and look at what exactly they are about. politics, that is, the budget, uh, taxes, so that our economy can function more or less independently. and here, but uh, and only the rest 9 - it's about everything else, about anti-corruption policy, about corporate governance, and about banks and monetary policy, but there first of all it is directly stated that there will be a general reorganization of the banking supervision of the national bank, the reorganization in our country is a general change, including the theater, and the second point is that it will be implemented by the end of june this year, such as new tools such as supervisory panels, that is, when supervision of banks takes place not only in the form of committees, but also in the form of a discussion of all-round specialists - this is from my experience at the national bank , we had such a situation in such a guard version, it very much helps to understand in general what is happening with the bank and how and what to do next and the third

point by the end of next year, by the end of june next year, we have a condition to implement the so-called bass supervision growth , that is, supervision based on risks, that is, on the supervision of a specific bank for a specific financial institution, and right there focal risk, what risks does this bank create? are these risks inherent in the system? how many risks are there to do this? it will absolutely be a know-how for us. we have never had such a thing. these are very correct actions. the only thing that worries me is the pace that is prescribed there, will the national the bank will do this with the help of even partners well, i hope that it will be in time and we will see a completely updated supervision reformed as we would even say supervision mr. mykhailo and i. do you think such changes are appropriate? well, it seems that the reform

of the national bank of ukraine was done, well recently, in the 15th year, and well, it took some time, and everything has to be reformed again. hmm, why is that? well, you can hardly say how again, in a new way, rather, it is a continuation of those reforms that were, er, in the 15th year and then there were some challenges related to the so-called oligarchic banking and banking , which is related to lending to its own companies under very such requirements that are not very precise, as a result, we saw a large number of banks falling, now of course it is a slightly different level, which turned out to be a qualitatively better banking system, but it is there

of course, there is a big challenge here in the war, the challenge is connected with the deterioration of the critical portfolio, and accordingly, somewhere here, supervision is needed, and the second point, which was not completely , or rather, very poorly covered during the last reform cycle, is actually non-banking financial institutions came under the supervision of the national bank itself until 2019, this process was delayed and, in fact, because of covid, now because of the war, the bringing order in the non-banking financial companies industry, we say insurance pawnshops microfinance companies, it took some time and i expect, for sure, there will be no major changes in the non-banking sector in particular, new bankruptcies, bankruptcies of banks or maybe non -banking institutions, you are an investigator, whether in connection with these changes or in fact nothing will change so significantly, well, if

it has already been written to someone that it is destined to go bankrupt, this will go bankrupt. that is, the change in itself will not lead to any, uh, bankruptcy or uh , other payments. mood i think that the withdrawal of banks from the market will be well, let's be objective, there is a war, there is a very large economic loss of ukraine , and they argue that all banks are equally good, and this is not true. individuals have already checked this, because several banks have already been removed from the market and ukrainians received 100% of their guarantees because not from banking institutions. unfortunately, the situation is that there are a lot of them. the market is opaque both there and without

the war should have been expected, let's say, the reduction of the number of employees of the company, the removal of such unscrupulous companies from it, it should have happened even without the war. i am very interested in ukrainians, this is the traditional exchange rate of the hryvnia to the dollar, and we see what is happening more precisely, it is not very clear to me whether the hryvnia is stronger or the dollar is weaker, what is the reason , mr. mykhailo, let's continue this topic with you to discuss, then i will ask yevhen to comment on the exchange rate. i will remind you that the official exchange rate of the dollar to

the hryvnia has been fixed since the beginning of the great war. compare the change of the cash e-e exchange rate to the official one, so there are 36.6 recorded. and all the time of the great war e-e exchange rate, the difference between the official and e-e cash exchange rate, it was quite large at one time allowed for it to be reduced and now we we see such a long-lasting decrease of the actual cash rate for more than a month, and there are probably many different reasons until the end of the feeding period. the cash market is not transparent. this is also the traditional seasonal sale of dollars by farmers to finance crops, i.e., the increase in the supply of cash currency is somewhere in the signs of the effect of the measures introduced by the national bank at the end

of last year with the offer to ukrainians without purchase of dollars without cash on deposit, i.e. by reducing the demand for this same cash currency. well, the third explanation is the closure of many e-e betting offices zno online e-e sanctions of the nsdc and also the national bank in the light of this whole scandal very significantly complicated the operation of crypto more i.e. the withdrawal of e-e currency from ukraine through such channels has at least decreased. i have seen various estimates that are very large about their volume. i am not sure that it is really 900 million dollars per month, it is probably a smaller amount, but we period of time, it obviously decreased, this amount of withdrawals accordingly decreased , mr. yevgeny, is there anything to add? maybe some other factors affected it. well, what will happen to the exchange rate now, if it is not possible to accurately predict

the number, then perhaps some kind of trajectory can be laid in relation to the exchange rate. how did you look at it? on the one hand, from the point of view of such macro-perspectives, this situation with exchange rates now clearly illustrates the thesis that the exchange rate is a function of international aid. if they help us, they also give us loans or just aid, then the pressure on the country decreases more currency reduces the pressure on international reserves and therefore, more currency, less demand for it in general and so, in march, we also received a tranche from the european commission and now the imf transferred two and seven billion dollars at once, and we can see from the statistics of purchases and sales in general interventions of the national bank in january there were interventions there at the level of 3 billion, i.e. the national bank sold 3 billion from reserves in february it was already 2.4 in march already 1.7 i.e.

less national bank sells less demand for currency and so and so the hryvnia is stronger right there hryvnias are stronger, what forecast do you know? the national bank generally says that the first rule of rate forecasting is not to forecast the rate, not to talk about the rate at all. we took if we continue there, here are the structural changes in the economy, if we attract foreign investors, football, you and the story about insurers from germany, it is not only from germany, there are many places where they come from. if we will do it if we will attract money to the country or if we will provide these guarantees and insurance there, other risk distribution mechanisms, then the pressure on the hryvnia will be less, there will be more currencies coming in, the hryvnia will be

more or less stable, that is, we are looking at two things, we are looking at forecasting the dynamics of the flow of money to us and the dynamics of the government's fulfillment of its obligations by the national bank, er, by the parliament, if both and that and the tests under are not fulfilled, then i do not think that the dollar will jump strongly in relation to the hryvnia, that is, there will be a plus-minus at that level which now, if we do not fulfill them, then of course anything can happen p. mykhailo. as far as i know, there is a macro forecast in your company, and the figure is not directly written there. well, by the end of the year, it seems that 40 e-e hryvnias per dollar , well, that is, after all, a small squat, your macroeconomists expect what kind of forecast in principle we are trying to predict the official rate that is set by the national bank and with the basic forecast it

will also be fixed at the end of this year and many are inclined to think that we we will see 36.6 during the entire year of 2023, taking into account the factors listed by yevhen , reserves at the beginning of april are 32 billion , this year is the level in absolute terms that was as far back as the 11th year, that is, it was not there for a very long time such large reserves and what is the logic of the fact that we have set uah 40 20 kopecks at the end of the year - this is already a longer planning horizon for the same nbu already looking at the year 2024 and if it is not like this, the situation with external financing will be rosy, then the national bank protects reserves by increasing course but with absolutely no

the fact that we will reach such a large exchange rate is clear in relation to the dollar. well, unfortunately, our neighbors have aggressive neighbors. there is nothing we can do about it. the situation looks like this. this is how their chinese yuan trading increased more than dollar trading. i understand it on the interbank is it possible yevgeny? does this indicate that russia can do without the dollar and switch to the yuan? i don't know the ruble or any other currencies. and that's how i can encapsulate myself from the foreign market, if in one word . maybe it's just possible. slightly i'm speculating on this. and you're saying that it can be real , well, it's not that it will happen, but many countries live without a dollar and are detached from the western financial system , and at the same time they function. growth in the long term

is not about building a normal life for citizens at all. at this stage, russia is very strongly tied and now was tied to western markets and the fact that they, with the help of sanctions, with the help of other economic mechanisms are squeezed out of there. this is the consequence of being alone, this is the decline of the economy and the decline of the welfare of the russians, for which i sincerely wish them, mykhailo, we have the yuan and this will be the last question, we are running out of time, but i would like to hear your opinion on this success of the yuan on in the russian markets. is he talking about russia's dependence on china? am i exaggerating? he agrees. this is exactly about russia's dependence . they didn't switch to the yuan because of a good life . they didn't understand the currency. in the 21st year

, the volume was practically very low. turnover there are few ivans who had yuan accounts, and only because hundreds of billions of dollars were frozen due to sanctions, they have to switch to currencies that are safer for them in order to simply have some additional income. they are without a dollar, at least because it is in the dollar that the prices of world commodities such as oil, gas, other raw materials are exported - this is what russia exports, in which currencies did not transactions take place through which countries , complicating these same price formation transactions in they are in the dollar, and when china and india trade with russia, they are still pushing away from the dollar, well, let's see how it will be, er, with us were er, mykhailo demkiv , er, financial analyst of the isu group, and yevhen

dubogrys, a financial expert, they talked a lot about imf, banks, currencies, dollar and yuan, thank you, dear experts, uh, i'm andriy yanitskyi, that's all for today. see you tomorrow at 8 a.m. live, together we will defeat raccoons, even swans and hedgehogs . popova and ua animals natalia popova founded the rescue center in 2018, then she was asked to help a seriously ill lioness, and when she saw the animal, the woman could not refuse, of course, her heart stopped , we built a small enclosure overnight

in order to at least start rehabilitation, because there it was already a matter of hours, not even days after that, requests literally poured in on natalya, she mostly had to save exotic wild animals after private keeping, many zoos breed these animals and trade and sell them, you can relax there for $400-500 i had to buy a lion, then they play while they are small and then they grow up. the predator is normal, they lock them up where the little ones have bread instead of feeding them, where they don’t . how lucky, especially the problem became worse after the full-scale invasion of russia into ukraine, the owners abandon them, leave, turn to us mainly military well, not personally , protective organizations come to us, because animal protection organizations call me, we leave

, we save them, we find military people in the war, locked up without food, without water, very recently to the center a lion from sumy oblast got into an animal contusion at first he could not even stand still he still has significant problems with coordination there are also animals from other regions of ukraine where active hostilities have taken place or are still going on here a rescued tiger from kharkiv oblast lives here he was completely bald almost he has more half of the body had no hair, even though it was earthly cold, all the skin was red , he had infections, they rose to his feet , what happened? i can’t say, well

, theoretically, of course, stress affects everything a drop in immunity. they found that he is now more or less in a normal condition. well, he is far from normal, but there is definitely no threat to life for the raccoon. for the first time in ukraine , a complex operation was performed on the eyes of the animal. the blind raccoon was taken to the center. became a victim of the human desire to keep an exotic animal at home , varnishes are ahead, long rehabilitation after treatment for animals are looking for new homes , we bring them here, we rehabilitate them, we treat them, we do what is necessary, and then we find good places usually abroad, because there are normal places for such animals as lions, tigers, leopards, monkeys, etc. we simply do not have them in ukraine, and we transfer them there, so the guest and kiara found a shelter in sunny and warm spain. if the animals got to the center from

the wild, they return there, however only if their condition allows it, if it is possible to restore it well, of course, when a fox got to us , there was no chance, we had to amputate a leg , but on three legs, you will not let nature go , and of course they arranged it, but if i am here, if the animal is recuperating with us, it will go to nature, throw away such dogs have fully recovered, we are already waiting for normal weather and will let them out, all these animals are offended by people , so allowing visitors here is contrary to the mission of the center. we are not a zoo, we have never accumulated animals here, that is, i have no visitors that the animals are all hurt , you get a nature movie in any case, people are a stress for them, that's why we can't conduct excursions or anything like that, we treat them , rehabilitate them and transfer them to good conditions the center needs support, one lion because you are a game

eats about 9 kg of meat per day, in addition , such animals require special conditions in our climate, each lion is an african animal, it should not be ours, so we heat them, it works for everyone a lion, a two-kilowatt heater, in general, they currently have about 127 kg of meat per day for all animals, in addition to direct assistance, it is possible to become a virtual guardian for a certain animal , for this you need to pay up to over one and a half thousand hryvnias or more, send a screenshot pay and receive a certificate of guardianship by e-mail. for more information, look for the center's pages in social networks. most of these animals were evacuated from war zones, where they were left by their grieving owners for certain death during the full-scale invasion of russia into

ukraine. nataliya popova, together with ua animals , saved about six hundred animal usual tasks become unreal heavy bags are not for my sick back from back pain try dolegit cream dolegit cream relieves pain, reduces swelling and improves mobility of joints from dolgit cream, what do you want, i will raise dolgit, the only yellow cream for pain in the joints and back, and fm galicia russian hacks radio fm galicia tried to break into the air , the attack was repelled well, february is impressed by your cybernetic, and radio fm galicia prepared its response and our armed forces heard they promised a spring counteroffensive to the occupier, so the radio fm

galicia will become a device for informational spring counterattack, you will hear and even see life goes on, the war is going on, galicia is too much for the russians for the ukrainians, every week on saturday the political club helps to understand the processes taking place in ukraine and the world. vitaly portnikov, the host of espresso and invitations, experts based on facts give their assessment and forecast of the development of events. do you want to understand how our today will affect our tomorrow? watch the saturday political club that saturdays are not espresso. congratulations , this is freedom life on the radio freedom, we have already come to the very change, the following shots may shock you news from the scene live

kamikaze drone attacks political analysis objectively and meaningfully there is no political season exclusive interviews reports from the hottest points of the front freedom life frankly and impartially draw conclusions yourself de-occupation how can you live without stopping it is possible unsurpassed the history of the liberated cities of ukraine went let's see how our brothers helped us freed from a normal life freed from the normal equipment of pro-russian inhumans terrible was very terrible every day one by two houses and natsiks of ukrainian people are here yes, we are all nationalist people here did they resist the residents came here stopped and

sent back and became heroes the novel was unbreakable cities of ukraine from the ukraine project in the documentary cycle deoccupation that saturdays at 11:10 on espresso broadcast from washington, the program of the ukrainian service of the voice of america time and name yuliya yarmolenko, congratulations, he is studying the report about the alleged leak of secret documents about the russian war in ukraine and the situation on the battlefield, materials that, among other things, talk about plans from nato to help the ukrainian army appeared on social networks