[000:00:00;00] and its fate in the level of success there and there will not be a transition at all will obviously be determined literally in the first e-e if possible even an hour if not days accordingly it will be determined in particular how far on one side our troops will be able to take a fast pace in the breached position of the enemy and at the same time to what extent the russians themselves will quickly lose control over their units at the places of communication, which will also hide behind these tsar's cops, so at first glance it seems that if we take this material and technical assistance, we simply need more of these engineering means, there are engineering machines of western analogues of the system of these courses 77 for demining, more let's say different means of delivering cotton according to the enemy's talent , maybe means of fish that would help hmmm , you are jamming the enemy's communication well, roughly speaking, uh, according to the maximum of means which could provide, including firepower, but

it is quite possible because even the western allies also understand it. army aircraft that have better characteristics than their soviet counterparts. well, are there any problems with their adaptation to soviet machines, or are they apparently solved? therefore, it is quite possible that exactly what is needed for the maximum success of this counteroffensive operation, ukraine will either already receive or have received will literally receive there the next few weeks , which it says is a gap before the start of this counteroffensive operation received well, i understand that it is you who are talking about the same thing, in fact even 98% seems to have been said maybe there are just two percent of such the most valuable that will be very necessary in the first hours of the counteroffensive there, why actually if the amendment goes not only to the weather but also to the fact that, to start the operation, to the fact that

these material and technical resources must be physically obtained, distribute the troops and already then start active actions, well otherwise well, otherwise it’s better yes, there is no need for any such spe about what it should be there well, somewhere toochkova there, about 15 km 30 something like that or should be at once in several po- all over this, as far as you think that it will be spot on isn't this the point of all these efforts, ivan, probably to you. if we talk about some points of effort, well, as far as we know from open sources, well, the same counteroffensive in the kharkiv region, it began from a section of the front just a few kilometers away, just after the withdrawal of our troops to the enemy space is already there, the zone has expanded to 70 km, why, by the way, there

is a certain moment of contrast, because we were forced to stop, the theories of the front stretched out. the back side, the people who spread theses, they say, well, in my opinion, everything is correct . for example, here the question is, what are they talking about? they say it, not to inform our side, but to introduce it as much as possible. and they thought where, where, where would the counteroffensive begin? is it this or that ? well, there is such a thing going on in these russian moments. it is alarming that somewhere our troops have become more active in one area, relatively narrow in another area. roughly speaking, these are all speculations. we need the russians to be accordingly tense and not know when to react and how to react correctly , the column will actually start. well, it means from all over the place

, because yes. to grope there and then conversations that here and now there will be conversations here and here, well, that is, in principle , something like this is happening somewhere. okay, thank you, our time on the air is exhausted . see this week in the program judicial control with tatyana shustrava, a competition without a competition why the authorities are increasingly politicizing the procedure for selecting judges of the constitutional court, the risk of political influence is not decreasing and how the new draft law is distancing ukraine's european prospects from the official position of the european union and the russian commission , watch on thursday, may 4 at 16:40 judicial control program with tetyana shustrova on the espresso tv channel de-occupation you can live without stopping incomparably the history of

the liberated cities of ukraine went let's see how we were helped by our people, they freed us from the normal technique of pro-russian non-humans, it is very scary every day one by one, two houses of ukrainian people were burned, natsiks are here yes, we are all nationalists, people who resisted , residents came here, stopped them and sent them back and became heroes the novel will always be ukraine about unbreakable cities of ukraine from the ukraineer project in the documentary cycle de-occupation that on saturdays at 11:10 on espresso there is a war going on and not only for the territories, it is also a war for the minds russia is throwing millions of naftodors to turn ukrainians into little russians ukraine will become russia dissection and analysis of information about ukraine by russian propagandists specific

facts and methods by which hostile propaganda turns people into obedient zombies residents of the ldr do not plan to vote let's counter the information attacks of the russians in the project of the chronicle of the information war with olga len tuesday thursday at 11: 40 and friday at 1:00 p.m. on the espresso tv channel andrii nitsky economic news on the espresso tv channel live as usual in the morning at 8:00 a.m. we will meet again in the evening sometime around 11:00 but at any moment you can watch it on youtube if you do it now you can like it comment on this video send it to your friends and family like us more people will see the united states of america is threatened with default again sounds loud well but actually it is about another grandfather-

debate in congress until june 1, the us government may run out of money to pay its bills, treasury secretary janet ellen warned that if congress does not raise the national debt ceiling or suspend it the us government will not be able to get new loans elena zkri called on the congress to raise the limit as soon as possible, which is now 31.5 trillion dollars, at the same time the white house called on the congress to raise the national ceiling of the national debt, and the republican majority in the house of representatives was skeptical about this and insisted on cutting costs, on the contrary, joe biden summoned four top congressional leaders to the white house, the most important thing we need to do in this regard is to make sure that the speaker of the house's threat

to default on the national america is not a debtor country. we have never been unable to pay off the debt. russia continues to put pressure on ukraine in the matter of already good ones. only for 60 days of the extension of such an agreement , while the number 120 is indicated in the documents, we will impress more than 700 farmers from the regions that visited the region under occupation and were able to receive free corn seeds for the seed campaign was financed by the american agency for development and usaid for agrarian and rural development with the support of the ministry of agricultural policy and food

of the united states of ukraine . i apologize for the delivery of seeds. before the war , ukraine was the world leader in its cultivation, the farm is small, it is 10 hectares in the kyiv region, it is myronivskyi district , it is very timely and we hope that it will be good the harvest was under occupation for some time the fields were demined after the war they started to work well, at the moment it is difficult, difficult logistics, difficult issues of costs in velikiy for fertilizers, sowing material well, now let's talk with our guests, financial experts yevhen dubogryz and financial analysts of the isu group mykhailo demkiv, we will talk

mainly about finances as you saw our guests from pasat, i welcome you here. the chairman of the national bank of ukraine, mr. pishnyi, said that the national bank will lead the fight against microcredits, and that the rates for them reach some sky-high levels indicators. in particular, i will quote, quote, our proposals for changes to the law of ukraine on consumer lending have been submitted for consideration by the parliament. first, we propose to establish the maximum interest rates , and let's talk about it in more detail, mr. mykhailo, let's start with you: what are the risks of such microcredits, why should we fight them to somehow adjust our free market and this hand of the market that will adjust everything well here, as in real life, there are no ideal situations

when everything is fine and everything happens by itself the subject of special consumer lending, in particular microcredit and its regulation, is being regulated. it has been around for many, many years, and at first everyone struggled with the fact that, in principle, lenders showed the real value of loans, and not the mythical ones that are all below zero percent, you know, beautiful, beautiful packaging and of course, for all these years, it has not been possible to solve all the problems of the industry, it is impossible, and the problem here , which i understand the national bank is trying to overcome, is that sometimes these loans turn into such persistent debt when interest is accrued on interest and a person, having borrowed several thousand hryvnias, becomes such a huge debtor and is unable

to repay his own debt eh. of course, this industry is so not very attractive eh. it is unlikely that you will see one of the owners of microcredit organizations on the cover of forbes and tries to be somewhere more in the shadows because there is a certain stigma in the industry due to these high interest rates, but on the other hand, it is a peculiarity of the industry of short interest rates, let's imagine the situation : a neighbor came to you today and borrowed 1,000 uah a week later, he gave you uah 50 more there or brought a chocolate bar worth uah 50, as if it was okay. everything is fine, man. thank you, but if you sit down in an excel calculator and calculate, it turns out that you are a er, a ferocious usurer , which is called hundreds of er, annual percentages , actually for the time period is short, and given that these are online loans that are regulated

and issued to cards, then for these microfinance organizations there are expenses that they cannot bear, that are deposited in this 50%. by the way, i did not choose this example coincidentally, the rate of 0.8% per day is set as the limit. and at the level of the amounts that i said and in a week's time, it is possible to make uah 50. this is the situation, and in principle, i hope that this market will become more transparent and understandable, but in as a result, we will reach a situation when fewer people need microloans , and more will be available bank and other types of lending that are cheaper. here, i used your advice, got a calculator and calculated p pishny in his speech says that 2.5% on

average now is microfinance organizations they offer, more precisely, they take from their borrowers. this works out to be about 1,000% per year, mr. yevgeny, where does such an interest of 1,000% per year come from? well, who takes out such loans in the first place? well, really, you can’t go to a neighbor’s house, if you need money for a week, then borrow salaries, as many people do in principle, well, this market is quick money, it covers a kind of gray area, that is, people who, on the one hand , banks will not give loans because the process is very regulated in banks, there are requirements for borrowers their financial the state of the bank should monitor and collect this information if the family does not want to share or has nothing to share, the bank will not give him a loan, on the other hand, people go there who do not take a loan from a neighbor well, because either

the neighbor will provide or a loan for some such purposes that the neighbor is ashamed to go there, as they say, you know, or for some game pieces or for something that is not really necessary. i am up to the fact that this market really needs to be regulated several years ago. the national bank made the first attempt, then it forced otaki companies quickly money is issued at a real rate, that is, not zero percent, and there is a hidden commission , a really effective rate that can really be 1,000%. but it didn't really help, as we can see, because it's behavioral economics, properly built marketing, correctly written announcements, there's something there in small print, and a person simply doesn't pay attention to these crazy interest rates, he goes and takes loans, then we get into trouble, that's why yes, we, we of course , everyone is a dead market, but this is where the national bank is. well

, the deputies, yes, this is etaru karinka, shall we leave? invisible, which the market should adjust a little because it is not very correct and when we have so many of these companies and well, i will be honest , the owners of some of these companies were on the covers yeah, that's how we are, well, a profitable thing yes, but no one is ready to flaunt it with such a business, it is clear that this is always a negative character in hmm, at least in mass culture, if we remember, there will be no more p- about this. i think everyone has read some classic works where people lent each other money and what happened to that, let's talk about the national bank ukraine what kind of people do we have on this weeks at all became a newsmaker, as for me, it turned out that we did not have time last thursday. we did not know this last week in the middle. the national bank of ukraine decided to keep the discount rate at

the level of 25%. this is the rate at which commercial banks receive money from the national bank, but not this is not the main thing that surprised me, but what surprised me was that the national bank of ukraine changed its forecasts for price growth to the rate of price growth and to the growth rate of the economy in a better direction, that is, prices will not grow so fast and the economy will grow faster mr. yevhen, where does such optimism come from in the national bank of ukraine? why did they change their forecasts? look at the basic assumption of the national bank when changing this forecast that there will not be such massive shelling of the energy infrastructure, there will not be such massive destruction as we unfortunately expected, and here they are. they emphasize that there is less loss from infrastructure training, giving them reasons to raise the forecast precisely for the growth of the economy and in the price sphere, we have

positive trends, inflation is decreasing. well although i still believe that their current forecast is 14.8, it is still quite active, but here you know . i would look at it from another point of view, what is hidden between the lines of this forecast and between the lines and the speech of the chairman of the national bank, practical things i would say that there are two practical things. the first thing is that the national bank has almost directly promised to lower the discount rate earlier than it is foreseen by the current schedule, that is, according to the current schedule , they should do it in the first quarter of next year, but now they say that it is possible under certain conditions if everything goes on eh and what where now then they will do it maybe even in the fall of this year it is positive news there because it is also the cost of loans and in general an indicator of the value of money in the economy and the second point they have a very good

forecast for international reserves of gold and currency reserves, what does this mean from a practical point of view, this is an improvement in the forecast that we have free movement of capital, it is possible to take money out of the country most likely. the exit from ukraine is only for the entrance, and this is also, in my opinion, good news that in our country the amount of currency in the country will increase and will be limited, there is pressure on the hryvnia, you have now scared everyone who would like to buy something abroad, but there were restrictions it is possible to save andrii hryhorovych, the pompous simply predicts that the counteroffensive of the armed forces of ukraine will be successful eh we will defeat eh our enemies very quickly and investments will pour into the country in such a stream that the gold and foreign exchange

reserves will grow incredibly well this this is, of course , hardly a basic forecast can be optimistic and yes, i am a little ironic, mr. mykhailo, so that you could tell me where the optimism of the national bank of ukraine comes from and how much you share it. well, let's define optimism, because the forecast has improved compared to what it was three months ago, but it is worth understanding that the national bank and all key institutions that make forecasts are same as the imf, they make very conservative assumptions regarding the end of the war and post-war recovery, they do not paint any kind of sharp recovery of the economy , incredible investment inflow of hundreds of billions dollars about which we hoped and wanted but at the moment of time

, there is no reason for them to believe that this will really happen, that is, they do not draw such bleak forecasts, but actually, it is improving, especially in terms of inflation, and many people have noted this the forecast was changed from 18 and 7 at the end of this year to 14, this is still a lot, if you take the past 22nd year and 23rd year, the total prices will increase by 45% - this is very, very much, but it is less than us plan- than we have seen not so long ago and this is a positive coach who in principle, somewhere makes many think about fixing e-e rates at the current level in anticipation of their further fall, the national bank e-e will lower the key rate in e-e in the fourth quarter of this year or even possibly earlier e

it is impossible to say exactly, but there is a feeling that the rates will decrease and we can see it from our clients, it turns out that there is a demand for long ovdp , long, i mean repayment, that means in the fourth year of the 25th year, and yesterday at the regular auction of the ministry of finance, we saw demand from banks already for triri vdp for the first time market demand from banks for e ovdp of such a term why because they want to fix the e-e rate believing that it will fall in the future well, the banks are also prompted in this way to individuals here, any of us can buy government bonds loans and thus buy them at better rates than they will be in the future

, when the discount rate will change, do i understand it correctly, of course. among customers among buyers, but now it has become very, very many. personally, i also bought some vvdp for myself there with repayment of the 25th year , but it is worth understanding that we live in conditions of extraordinary uh uncertain conditions, this is investment advice, like it is advice, but you should approach it carefully what are the risks? they remain, they are very high . mr. mykhaylov , i will have time to ask the next question only to evgenia. i apologize in advance, but here you have said your two lines, mr. evgenia. the national bank of ukraine will conduct an assessment of the 20 largest banks. well, we literally have a minute, maybe one and a half minutes to answer this question

. how much stress do we have in our lives? i don't know if there are any other problems with this bank. i wouldn't get attached to the name of passions. it's simple. the definition of what this exercise is strategizing means, first of all, it's an examination of the quality of assets, that is , to see whether banks correctly recognize the quality of loans or whether they really have the losses that they show, the losses should be greater fullness, where should there be more, because this is the first stage, that is, an assessment of what the banks currently have as of april 1 of this year, and the second point is strategizing, that is, an analysis of whether banks are working and earning according to their current business models, or whether they will be able to under these models under these conditions to survive even under the basic economic scenario, there will not be a negative scenario in this passion or some banks will have to change their business model, change their way of earning, for example, with development, switch

to corporate lending or earn more on securities in currency or on the contrary those loans. that is why this exercise is needed to understand whether banks will be able to at all in the economy that will be predicted, whether they will be able to work so that there is no such thing as with american banks, what passions they made because they thought that it was expensive and now, er, american depositors are not very satisfied with this because it is already the third bank leaving the market, so we mentioned this yesterday or the day before yesterday in a conversation with our experts, i advise viewers to go back to the previous programs and rewatch them and for today, we are already forced to finish mr. mykhailo n yevhen thank you for the conversation, we will contact you for professional expert comments , e.e. mykhailo demkiv from investors of the iceu group - financial analyst and yevhen dobrogreis , financial expert were with us and i andriy yanitskyi with economic news on

espresso tv channel see you tomorrow at 8 in the morning live together we will win congratulations. i am asking you to help me find a permanent girl, her name is vasilisa gulyaeva, the girl is only 7 years old and i really want to believe that with your help we will be able to find this child or to find out at least some information about her, so please do not remain indifferent and the least you can do is share this video about the search for vasylisa, for example, on your pages in social networks , the circumstances of her disappearance are actually known. unfortunately , not much is known, because a child disappeared in temporarily occupied mariupol and it happened it was still on september 1, 2022, was the girl with her parents or with someone from her family and how exactly did she disappear, she does not have any information about it at the moment

, it has not been clarified that since mariupol is temporarily is occupied, then vasylissa's parents simply don't get in touch or for some other reason they can't inform about themselves, and i really want to believe that the girl is not among the thousands of ukrainian children who were deported to russia , because in general , more than 19 thousand of our children were deported to the russian federation and this is not the final figure, because russia refuses to provide complete lists of children who were taken out of ukraine, but we hope that everything is okay with vasylisa, we will be able to find out some information about her and i will help with this again i am asking you to look carefully at the girl's face, she looks six to seven years old, has an average build, has light blond hair, so if you recognize vasilisa, don't delay and call us on our hotline 116,000,000 calls from all mobile operators in ukraine are also free in the temporarily occupied territory of the luhansk

region, under very mysterious circumstances, this little boy disappeared. his name is myshko melnyk , he is 5 years old. 110-116 cm has fair hair, it is known that the intercollegiate has disappeared. in the luhansk region, in the temporarily occupied village of grechishkina, this happened back in march 2022. since then , unfortunately, nothing is known about the fate of the boy, so if you suddenly jump somewhere, melnyk's mouse or you know about him at least something , please immediately contact the child tracing service , it is possible that he is still somewhere in the occupied territories, of course they do not broadcast ukrainian television there, but still residents of luhansk region who may see this i am asking for a program on youtube. look especially carefully into the child's face. report everything you might know about

the mischief maker. i am asking for the hotline of the child tracing service . 116,000,000 calls are free from all mobile operators in ukraine. we also have a chatbot of the child tracing service in you can write a telegram there and i emphasize once again that there is no unimportant or secondary information in the search, without exaggeration , any data that may eventually become decisive is important and at the very end, as usual , i ask you to go to the website of the search service children, in fact, it does not take you much time, but at the same time, you can really find and save a child from danger on our website there is a photo of all the disappeared boys and girls, many of them disappeared due to the war in the frontline areas in the occupation or during evacuation, but there are many such children who went missing either before the full-scale war or, let's say, in relatively peaceful territories where there were no hostilities, the reasons for the disappearance are different but all these children may be in danger and you and i must

help them, so look at their photo by opportunities to share information about the search on your facebook and instagram pages. and if you know any information about any of the missing persons, immediately notify us on the hotline of the child tracing service by dialing the short number 116,000,000 calls from all mobile operators in ukraine are free, we have created a resource thanks to which you you can report any crime against a child in any city at any time just go to the site