[000:00:00;00] today they spent it abroad and banks bought currency and indeed in march we saw a sharp drop from more than 600 million e -e euros e-e withdrawn by ukrainians through atms in february in march this amount decreased by almost three times i rejected the idea that people are just someone came back and someone stopped using cards of ukrainian banks abroad simply for the reason that such things do not disappear sharply, and the second is actually that cashless payments in stores they remained at approximately the same level i wanted to remind you that there were also comments. it seems that last year there was a lot of talk about the so-called card tourism. what is it like ? even because of the difference in the real and official exchange rates for foreign currency, some such

clever deals, they understood that you can take bank cards from friends of acquaintances. maybe even on a commercial basis , strangers can go abroad, well, those who can go abroad, withdraw foreign currency cash from atms there and then bring it into the country and thus win on the exchange rate at that moment when the exchange rates were very different, it was economically profitable, well, at least for large sums. and now, the exchange rate is official and the exchange rate is real. well, i can’t say that they have become the same, but they have come closer to each other. maybe this is my hypothesis, maybe it contributed but it does not seem to me that it happened again in the same month from february and in march, indeed in march the difference between the exchange rates narrowed, what happened if it was not economically profitable to do such

operations, operations that are generally legal but undesirable from the point of view of supervision, the national bank is trying to fight this and even last year established a limit of 12,500 hryvnias per week that can be withdrawn from one card, and even then they talked about the fact that currency tourism , if it is not overcome, it will be hit very hard but we see that there is such a big difference the second which is uh and the second moment which seems to me to be a hypothesis, the evolution of tourism - this is a fact - it is precisely that in march there was this peak scandal with miss coding when banks are not uh for gambling and for the crypto industry by some operations are not the same code as they really were, that is, thus hiding them and maybe part of this operation used

to get into the statistics column in any case. so this is an industry, i wanted to clarify a little, that is, if a person won money in a casino or lost, i did not i know, but some kind of transaction took place, so it should be indicated that it is connected with the gambling business, and there is accordingly a higher tax on such transactions, since it is, well, so-called, i don't know, bad unwanted activity, economic well how is tobacco or alcohol subject to additional taxes, so is the gambling business, and some banks made a note that this is not a win in a casino, but, for example, just a transaction from a natural person to a natural person, and accordingly there were other taxes and other commissions on such transactions evaded the payment of taxes in this bank, they covered it up, and it turns out that this may also have affected

these calculations between cards abroad, yes , and to what you said, i would also add the withdrawal of money from ukraine, since until february 24 of last year, operations that were legal became illegal at one point due to currency restrictions established by the nbu for obvious reasons and attempts to circumvent them. cash withdrawals abroad have decreased so radically, but in any case, this is a trend that will most likely continue, and therefore our previous estimates of how many ukrainians spend foreign currency abroad were somewhat overestimated, which means for the e-e balance of payments, this is a plus in the future, in the following months, smaller sums of currency will flee from the country, accordingly

, the reserves will increase, and this is what most importantly gives the national bank e-e space for the actions of such currency liberalization, the relaxation of those restrictions that currently exist, and this is for sure the most important thing is the conclusion from this news , and fortunately it is positive, so i wanted to add a shout-out to yevhen dubagryz, we can’t get through to the phone , there is probably some technical problem, so mr. mykhailo, you will have to answer for two today, let’s say for him and for we can praise the national bank of ukraine in this situation that it was so able to adjust the currency rules that it left these people who want to withdraw money from ukraine without such an opportunity, and it turned out that there were two-thirds of them, it turns out that two-thirds of amount of money is uh, these were optional uh, maybe formally legal, but not a desire

. what do you do for the regulator of transfers uh, but not only these rules, not only the currency rules are changing in our country, but also uh, the rules of uh... related to payment systems with cards is visa mastercard, we pay in stores , it turns out that there was a preferential commission for these transactions, we as customers do not always understand that when we pay with a card , there is also a bank commission , but it is definitely paid, and here i read in forbes that representatives of payment systems and banks have agreed to return to market commissions for non-cash payments as of july 1. well, how will this affect me as an ordinary consumer who

pays with a card in a store? for the maintenance of the payment infrastructure, these are the terminals to which we attach our cards or phones, the cards themselves, and the entire calculation process that we do not see, but which takes place in literally a moment when we pay at the cash register in a supermarket in a cashless way on the eve of the war there were big discussions about what should be the size of the commission or should it be so close to the european union, where it was set at a fairly low level, but there is no, but sometimes you can see restrictions on small amounts, which stores do not accept non-cash payments, for example, less than one euro or less than five euros, instead, large commissions like in the united states allow e to make a kind of incentive for e customers, and many ukrainians once used e-e in

cashback with them, when part of this commission e-e is returned to the client's account, either in the form of money or in the form of some kind of discounts, and thus e-e stimulates cashless payments here , the seller actually wins or loses the most, first of all, e-e, large e-e supermarket chains, large retailers because of their volumes, it's just a huge amount of money for a conditional coffee table, of which there are five on the street, it's not so fundamental, because it's more important for them not to lose a client, if i only have a card and no cash, then i 'll just go to the next one to buy coffee on the size of a socket or an auchan. this is just a huge amount of money and they are fighting for everyone there. 10, uh, 10 percent of this commission seems to me to be cool for uh, for consumers, it will not be noticeable at the exit. we

will get something in between the european system and the american one where, in principle, these rewards for clients will not be available or they will be minimal, at the same time commissions for retainers will be somewhat higher than european ones simply because in our country the average check is smaller . unfortunately, due to less purchasing power between european a little more commission is needed so that banks can continue to maintain their payment infrastructure in the proper quality. well, what kind of money is 1%, or one and a half percent, and is it directly our m-m, maybe more noticeable 5% of the transaction is about increasing the commission from 0.7% to 0.9%. earlier, from the two great wars, there was 2%, and you could receive this as a percentage, and those who actively use cards, e.e., on this

, if they won, they looked for some cashbacks and, in principle, received some kind of pleasant income that encouraged non-cash payments, that is, from 100 hryvnias that were spent in the store received 90 kopecks, the banks, the payment system , somehow divided them among themselves, now 70 kopecks, they want to make 90 , in fact, it is a small expense for the buyer, but not you should not think that someone pays those other things that are not expenses because your price does not change . do you pay in cash? do you pay by card ? these are expenses for the store, i.e. the store eats into its margin and reduces its profits. in this way, it is unpleasantly clear to him that we have time left. just for one question, i propose to talk a little about football, i don't know anything about it, i don't know everything , i'll be honest, but i saw a lively discussion about the fact that the lokomotiv football club finally became a professional football club, and we know that this is the ukrzaliznytsia football club, which

in general, it is a state-owned company and how normal is it? that a state-owned company is a campaign that is actually supported at the expense of taxpayers, and even if it is profitable, taxpayers are the ultimate shareholders of this company and spends money not only on its specialized activity of railway transportation, but also on football i will express my opinion, it is a sport of great achievements, and such a professional football club with the money of taxpayers or the money of state companies is an undesirable phenomenon, so it happened in ukraine that football is not profitable because the broadcast is free tickets, cheap clubs do not earn enough to cover their expenses and they are such a toy of oligarchs and businessmen often associated with agriculture simply because there are funds, there is money and there is a desire to invest

, invest in the club, this is not possible to say about local self-government bodies in our country, unfortunately , there are many clubs in ukraine now, there is such a trend that they are financed precisely by city councils , er, this cannot be said for sure about chronically underfunded in terms of capital of expenditures by state companies and i don't understand these arguments when it is said that this is an encouragement of the younger generation to play sports, an encouragement to achieve some results, because the funds are not spent on children's football, they are not spent on some sports tournaments for employees, which is for sure is a boon er stimulating them there to play sports to buy for themselves and it is spent on a professional football team simply because a professional football team does not make more informational noise than

the same amateur tournament of course we do not we can tell the democratically elected authorities what to do, but this definitely raises the question: how big are ukraine's needs for recovery, or do these same companies have the opportunity to leave their own, oh my god , to criticize mr. mykhailo, i highlight your opinion. thank you mykhailo demkiv, financial analyst of the isu group was on the air of the espresso tv channel, they talked about card payments , the banking system, and whether a state campaign can support a professional football club . see you tomorrow at 8:10 a.m. live, together we will win there are discounts on drops and capsules urolesan bye-bye cystitis

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to establish for the new ukraine the winner the winner is a fact glory to ukraine we are starting the ceremony of awarding state awards of ukraine by the decrees of the president of ukraine for personal courage and heroism shown in the protection of the state sovereignty and territorial integrity of ukraine, selfless

service to the ukrainian people was awarded the title of hero of ukraine with the award of the order of the gold star of blosi yuriy igorovich, the junior lieutenant, receives the award posthumously, his mother lyubov mykolaivna korniychuk, bohdan serhiyovich , the lieutenant receives the award posthumously, his mother svitlana fedorivna kulik, serhiy hryhorovych, the staff sergeant, his wife olga

dmytrivna , the senior soldier of labunsk, oleksandr mykolayovych, the senior soldier, receives the award posthumously, his mother tetyana ivanivna lukyanovich oleksandr volodymyrovych soldier

will be posthumously awarded by his wife anna vasylivna movchan lieutenant vitaly anatoliyovych receives a posthumous award mother maryna viktorivna tserkovych victor yaroslavovich captain receives a posthumous award wife olga andriivna vitaliy romanovich lieutenant

receives a posthumous award mother maryana igorivna senior sergeant oleksiy oleksandrovich receives a posthumous award wife iryna volodymyrivna stupak yuliyan yuriyovych lieutenant receives a posthumous award mother liliya mykolaivna will be awarded the title hero of ukraine with the awarding of

the order of the gold star kovalenko oleksandr vladimirovich lieutenant yaremenko sergey vladimirovich to the colonel for his prominent

personal services in the protection vasily krasovsky

soldier kuzmenko bohdana kostyantynovich majora

lukashevich ivan volodymyrovych colonel president of ukraine volodymyr zelenskyi the ceremony is over, dear people's deputies, dear attendees, let's thank the president of ukraine volodymyr oleksandrovich zelenskyi for participating in the plenary session , the prime minister of ukraine and members of the government , the commander-in-chief of the armed forces of ukraine , the defenders of ukraine, members of the families of fallen soldiers of ukraine, representatives the diplomatic corps and all the invitees , thank you dear colleagues, please return to work, there are still many interesting things ahead today we agreed at the conciliation council at the beginning to give three minutes of time for the speeches of authorized representatives of the parliamentary factions of the groups, so

please sign up for a speech from the faction of the groups dear colleagues, we ask you to vacate the podium , please, colleagues, we will take our seats , mr. pyvovarov, please, podarchenko's voice will be solomiya bobrovska's yulia klymenko now thank you. thank you. dear colleagues

. yes, i definitely need a support group. the president said a very important thing, ah. he said that we must purify ourselves spiritually, just as we are now purifying ourselves from the russian invasion, military, economic, and in other ways. spiritual purification , spiritual purification, we cannot achieve a stable peace, we cannot achieve prosperity because ... e russian agent of the russian orthodox church through all its channels

, including the church of the russian orthodox church. i would say that the moscow patriarchate is constantly continuing its destabilization in ukraine. they shouted to the fallen soldier, his relatives , go away, go away from the armed forces, and this is happening in the center in central ukraine. we were promised that it would be in may, then we were promised that we have to be patient a little longer, this law was passed by the committee , i remind you, back in 2022 and until now it has not been brought to the hall, unfortunately, until we are spiritually cleansed, we will not have complete peace and of stability. i strongly urge my colleagues in this hall, as well as the leadership of the parliament, to listen to the president and begin to purify