[000:00:00;00] subscribe to us on youtube, not on tv. then you can put it as a favorite, comment on this episode, send the link to your friends and family, so that they also join and more people see our program. i also encourage you to go to youtube tonight and watch the new episode of the business program with andrii lenitsky, where we are talking to entrepreneurs today we will have a manager from the owner of the cherry kindergarten, which operates in kyiv, how does a private kindergarten work , how do the owners of such kindergartens make money business is starting. maybe he also wants to start such a business. you can see all this. well, now let’s talk with mykhailo demkiv, a financial analyst of the icu group. mr.

mykhailo, congratulations, so good. hot news yesterday in the evening. occupies only 0.17% of the assets of all solvent banks , but the fact that the next bank went bankrupt or not went bankrupt or was deprived of its license in itself is a little stressful. happened well, he is not sure that it can be said that he is straining most of the reactions to the withdrawal of this bank, which were at least in my information bubble, they were positive, because the bank was already officially accused of facilitating money laundering, and uh, many people uh, we remember in march months ago, another small bank, ibox bank, was abruptly withdrawn from the market in the same way, which was accused of such and such sins, and now the national bank has resorted to another similar step, if

you read the documents that it published the regulator says that through the bank , a group of several companies at the big end of the company received more than uah 100 billion , a fantastic amount of payments that, according to the contracts, were payments for online goods in games, you know these kinds of things. there are various artifacts that seem to be bought, but in fact they were payments for e-e book- to bookmaking companies, payment of our winnings e-e in these in these companies that went to e-e without taxation, what they were accused of is that the bank did not simply did not detect such transactions and deliberately covered them up by giving

fraudsters have access to their e-e to their infrastructure , that is, online casinos are currently a legal activity in ukraine, but these casinos have to pay. well, companies that accept bets on sports have to pay increases, some deductions to the budget, increased excise taxes or i don’t know except the fact that they buy a license , pay increased taxes, and the bank helped them hide these payments and pretended that it was not related to this gambling business, some kind of transfers and thus reduced the tax base, indeed even some legal ones casinos have their own site which is uh in accordance with the law, that is, there are some increases uh taxes on it, it's just ordinary taxes that are paid according to the law, but if you play on this site , it has a license, that's all right, but your winnings

are taxed and on the side, there may be one or more sites that are very similar, have a slightly different name, but you can recognize this same bookmaker, and payments on these sites are made in other ways that do not fall under taxation and what some banks hid in this way for what? well, they paid, judging by the information provided by the national bank, well, for those who do not play, you can reassure them that there is no instability. in the banking market , a bank is a person. well, just why can such emotions arise, because besides that there was a sense of a bank that was nationalized due to the fact that it has russian owners, before that there was a how did you correctly mention ibox banks and here is this news that, one by one, banks are leaving the market or becoming state property, they

i would like to avoid this and explain that this is not related to any critical situation. in the banking market , how is the banking market as a whole resting now? by banks that withdraw for e-e such sins deposits of individuals of individuals-entrepreneurs are guaranteed for the full amount without relative there 600,000 hryvnias or more for the entire period of martial law and three months after its end there is another news a very interesting study came out at the kyiv school of economics predicts that in 2030 the number of the ukrainian population will be 32 million e-e people e-e and the working population will be eleven million and this is not very happy plus there are

statistical figures that the birth rate during this year of full-scale invasion it has decreased, well, over a year it has already decreased by almost a third 28%, if you take how many children were born in ukraine, the trend is sad and uh in the national not only because the total number of uh population will to decrease, and also because i will redistribute uh, um, the number of the population of retirement age will be more and the number of the population of working age will be less , and in this way each employee will receive more and more pensioners, well, at least according to our solidarity pension system, which well , obviously does not work e what other threats can be seen here, what can we do about it? can we prevent it in some way? in fact, it is very , very difficult to

influence these factors. the first trend is one that has been going on for over 30 years and not only in ukraine . in many european countries, the birth rate per woman is decreasing, the number of babies is decreasing . -e decide to have fewer children or not to have children at all. this contributes to the situation when the population is aging, the birth rate is still lower, and this is a problem that in fact cannot be solved simply by these e payments for each child, how many rich countries are there, because a long time ago this situation was resolved in this way instead of resorting to emigration, plus, of course, we have a war, you said about -28%, but this is still pre- war, you can say 21st year. all

last year, in principle, almost the whole year, children were born those decisions about uh, which parents accepted even before the full-scale invasion of biology. and now we are in the 23rd year, when uh, parents are consciously going to have children in the conditions of war and in fact the house until the first half of last year there is a decrease within only 10%, which in principle is not so much bad, how could you imagine without this data, but the trend is that these two factors overlap and as a result, we will have a much smaller population in the post-war period, and pension provision will be a very big problem, many say that the solution to this problem will be there is an influx of emigrants, what are the countries of the west doing, where, by god, would there be a sufficient number of people willing to come to a peaceful ukraine in order to

live here, there is still interesting news about megogo online streaming. perhaps you saw a publication in forks, which turns out to be an investor streaming, which is very popular among those who love sports and watch football, is stepan chernivetsky well, stepan chernivetskyi is the son of the same leonid chernivetskyi, the well-known former mayor of kyiv, who is hiding abroad and has had various questions from law enforcement agencies, that is, the origin of these funds, well, i am extremely doubtful i do not claim that it is criminal, it is for special bodies to check, but there is such an ethical dilemma , the company looks modern and progressive , very attractive, but the investor is a man to

what is the question, what should i do in this case , it is a personal choice of everyone or should there be some kind of regulation for such a case well, i can't fully agree with you here. as a result of these decisions, we cannot talk about dubious origin, because in 2008, chernivtsi sold pravex bank for 750 million dollars, and this is official information - the source of the origin of these funds is transparent, which of course does not give indulgence from any wrong decisions in the future, the following years, but the origin is at least clear in terms of ethics, well, i'm interested in more in this story about the exit from the stock market, exit plans from this investment, that's exactly what this investor was talking about

that they were going to the stock exchange in 2022, and in this interview the journalist is generally trying to find out what the scale of the company is, what their revenue is. this is a little contrary to the standards of transparency that are accepted on the stock exchange, so that is, standards so that the company can to attract the interest of investors who bought its shares, it should have at least a few years of open reporting that is audited and not be so closed. i probably have complaints about such a closed business, but the fact that they have already started to tell who the shareholders are gradually becoming more and more clear , this is probably a positive trend. well, stepan chernovetskyi is also known to invest in various startups, and according to the information i have , there is also his money in such a well-known service, zakaz.ua, i don’t know

there is a share of it that needs to be further studied, there are other services, there are quite a lot of them for the last question for today and we will complete the air alert announced throughout ukraine and we also have to go into shelters why are 52 foreign banks still working in russia for one and a half years of such an aggressive war of russia against ukraine many businesses left there, but five dozen banks with foreign capital are still there. far from all of these 50 banks are going to leave russia. there are many. far from all of these banks are from western countries, that is yes, there are chinese banks that, uh, the question of exit does not arise in relation to those that work in europe, which have points even in ukraine. i understand that they have a ticket for exit that is quite expensive, and there is a dilemma or uh, sell it for 3

kopecks, well, in fact, leaving all your capital in russia, or accepting funds from someone under sanctions, which is also not a good idea, yes, the funds can be frozen, and therefore, you will get out for these banks , i am extremely, extremely difficult, and management is on the ground it can be absolutely uh to be positive about the war to fund uh uh to give loans to russian soldiers and do other, let's say such bad things , and this is constantly becoming the subject of all kinds of scandals in the media and righteous anger. well, we will follow these banks and we will remember their names and names for a long time, and i don't think that someone will forgive them even after the end of the war mykhailo demkiv was on the air of the espresso tv channel, a financial analyst

of the icu invest group. well, i, andriy yanivskyi, the host of this program, again invite you to visit espresso youtube on wednesday evening today and find the program and also business with andriy yanivsky where we talk with entrepreneurs, the founder of the cheri kindergarten in kyiv, how to create a private kindergarten well , that's all for today tomorrow morning, see you at 8:10 after the news, as always, we will win together , it's always easier to get poisoned when there is not enough regular water i am an adult and i recommend reo

to children . we will save ourselves with water. experts on the basis of facts give their assessment and forecast of the development of events, you want to understand how our today will affect our tomorrow , watch the saturday political club that saturdays are not espresso andriy yanitsky keeps the economy under surveillance , yes, we are talking about economic news on the espresso channel, but it is not about dry numbers and clear terms it's about the economy, it's about the ability to analyze, forecast and get a profit , about what the exchange rates of salaries and pensions will be, and how product prices will change , information about everything that affects our

a wallet, and informed means armed, watch the economy news project with andriy yanitsky on weekdays at 8:10 on espresso, de-occupation, you can live without stopping , it is unsurpassed, the history of the liberated cities of ukraine , they left. let's see how our brothers helped us . they freed us from normal life . every day is scary . one by one, two houses were burning, and the natsiks of the ukrainian people are here. yes, we are all nationalists here. did the people resist? the residents came out here, stopped them and sent them back.

became the heroes of the novel of ukraine from the ukraine project here in the de-occupation cycle that on saturdays at 11:10 on espresso hello this is freedom morning informational project radio freedom top guests every day this is the shipping district of kherson we try it out live somewhere in the vicinity of bakhmut we tell the main thing on weekdays at 9: 00 vasyl zima's big broadcast my name is vasyl zima two hours of air time two hours of your time we will talk about the most important things two hours to learn about the war serhiy zgoretska joins our broadcast military summaries of the day and what is the world like what's up yuriy fizer will tell the world for two hours to keep up with economic news, oleksandr morshchyntsi protested. he tells us about the economy during the war and new sports. yevhen pastukhov is ready to talk about sports for two hours in the company of his favorite presenters, about culture during the war, he is ready to talk to lena or other presenters that many people have become strange

, maybe the weather will give us some optimism, mrs. natalka didenko is ready to tell us, and we will have volodymyr hryshko today as an honorable guest of the studio if everything it will be good events of the day in two hours, a big broadcast of vasyl zimi, a project for smart and caring people in the evening, the most important thing is the war in ukraine , the main topic for ukrainians, victories and losses , analysis and forecasts, politics and geopolitics , all this will be talked about by serhiy rudenko and the guests of his program, people who have information and shape public opinion, people who defend ukraine and create the future right now, the main and interesting thing in the program is the verdict by serhiy rudenko from monday to friday at 20:00, repeat at 12:10

watch this week's program and collaborators traitors from the village of orlovo who began to build a career under the occupiers and how a family clan of accomplices seized control of the school about and this program of the collaborator listen to the occupiers today's issue about the sellers of the village of orlovo of the melitopol district in zaporizhzhia more than 100 settlements in zaporizhia for almost a year and a half have been living in occupations from among them the village of orlove it is located 40 km from melitopol on the left bank of the kurushan river, which flows into the sea of ​​azov through the molochny liman. the war forced

many residents of the village to leave their homes. to burlov and those who were waiting for the rashists and like an eagle flew to listen to the kremlin enigmas, this is dmytro goncharov, born in 1997, lived in the melitopol region before the large-scale invasion, even served in the anti-terrorist operation and defended ukraine . patriotism and oath to ukraine went to cooperate with the occupation authorities, first this couple decided to try themselves as educators in one of the pseudo-primary institutions of the district and then got a job as teachers at the so-called oryol secondary school number 62, what an unexpected career twist , considering that the newly-minted teacher yana goncharova previously worked as a saleswoman in a local store at the school, the family promotes the implementation of the education standards of the aggressor state and celebrates invasion holidays against the background of putin's portrait, as if it were cossack day in this photo, dmytro goncharov lit up. in the very center of zbygovysk, this is

a good thing. our special services will be able to quickly identify the traitor, and the extent of his guilt will be determined by the court. just don't whine. then they arrested me. it wasn’t me who hung putler’s portrait. we know all these tricks of yours. you whined in the colony. the handcuffs have been waiting for a long time, and yes, the mother-in-law of dmytro goncharov, 52-year-old davydenko alyona oleksandrivna, before the occupation, worked with a teacher of labor training and a teacher at the oryol gymnasium, and after the betrayal, together with the whole family, she went to work at the pseudo-educational institution of the local school number 62 and immediately became the deputy director of the school that was opened on the spot and liquidated by the occupiers. gymnasium, local resources report that collaborator davydenko is a long-time supporter of the russian peace together with her husband oleksandr, she was waiting for the arrival of russia from the 14th year and was one of the first to run to serve

the invaders. the traitor davydenko contributed to the seizure of the oryol gymnasium by the occupation authorities and the organization of the educational process according to the standards of the russian aggressor state. federation davydenko wanted to be a school director and she was not hired for this position because she does not have a higher education, as local collaborator davydenko has repeatedly written publicly she called for cooperation with the aggressor state and shamed the ukrainian authorities, in addition to her daughter and son-in-law, she arranged for her son and didenko rostyslav to be teachers of mathematics and computer science. the 31-year-old man also has no pedagogical education and previously worked as an accountant. there was no better option for him than the position of a janitor in the same 62nd school, that's how, without having a pedagogical education, this family

took over the educational institution for sellers and washed the children brains and do you need an education to become a scumbag, not if they teach it somewhere but re-education will not hinder this family and the court will definitely appoint him and this woman occupies a special place in our register of traitors it is necessary that the last name corresponds to the nature of a person meet dumb olga volodymyrivna in the former accountant of a psycho-neurological boarding school, and during the occupation, the entire director of oryol school number 62 , a collaborator in this pseudo-educational institution, actively hangs colored rags and forces children to study according to standards education of the occupiers teacher's day at the school is now celebrated synchronously with the rashists happy dumbass accepts congratulations from other collaborators those who were able to sell more profitably it's good to humble yourself you came you did the reading to you prosperity health to all prosperity thank

you and soul thank you the dumbass understood the whole school the invaders abandoned her they did not give money for the development of education. and on the nose on september 1. so, as she was accepted in the swamps, she went to moscow itself to write what to drink to the tsar. they accepted a woman from a speech with that last name in the state the head of the federation council, valentina matvienko , gave the russian duma the word dead end. good afternoon, colleagues. i am olha vladimirovna, the director of the orlovskaya 62 school of the melitopol district of the zaporozhye region. домой и наконецто это коллекция мы у себя дома. i don't know where

the house is, i found it in the swamps, but i have no doubts about it, not everyone is at home. the ukrainian law enforcement officers did not bother to lower themselves further for 50 years and never once did major repairs be made, all the more so. we hope that soon more students will be added to our school and i would very much like them to study in decent conditions. such as in russia. sometimes they will definitely not add up, just like the brains in your makitras. who would have allocated money to you before the liberation of the zaporozhye region by our military. and about conditions like russia, you don’t need to dream because you have seen the conditions in the swamps broken roads and torn-up houses seem to hail in these hinterlands and were beaten, however, i think the conditions are not worse than those that the dumbass dreams of, they are already waiting for her in the colony where the traitor

will surely thunder for 10 years and finally , i will tell you about another traitor from the village of orlova , melitopol district before the occupation, 45-year-old nadia yatsenko worked as a deputy head of the local gymnasium and a russian language teacher . it turns out that they studied the russian language in zaporizhzhia. and who shouted the loudest among us here? putin, the russian pope of magic язык престняют so, when the rashists entered the region , yatsenko quickly ran over to the side of the invaders, wrapped herself in a tricolor cloth and settled down as the headmistress of the svetodalin school, which is 6 km from orlovo, during the pseudo-referendum on the accession of zaporizhzhia to refia . engaged in campaigning, yatsenko headed the polling station, as evidenced by the data of the general list of organizers of the fake vote published by the local public

, the location of the personnel of the ministry of internal affairs of russia in zaporizhzhia region, the state council of the zaporizhzhia region and interested structures involved in the protection of public order during the referendum on the territory of the zaporizhzhia region, election commission no. 305, the head of the zaporizhia region, yatsenko, nadiya yevgeniivna. and urges not to recognize the state sovereignty of ukraine, why wait when the armed forces release the eagle and see what fate awaits this salable skin, and there are few options or perish from ukrainian land forever or go to prison for 10 years, we can even hold a referendum and choose the best option for yatsenko, and everyone from the local people who went to work for the

occupiers. a miracle landslide is near, so meet me. this was a collaborator's program. and i'm olena kononenko . if you want to talk about the kremlin sellers, write to us at this email address or just on facebook , we'll track down all the traitors together by a russian ship. see you in a week on espresso. there are 20% discounts on dip relief gel in podorozhnyk pharmacies. save money so that the ukrainians don't think about it so that they don't talk about the first place. war, war, and our victory will be won only on espresso. from monday,

monday is completely different. spheres of human activity sports health politics the return of crimea military analytics nine presenters journalists experts opinion leaders in real time about the most current events through the prism of war in author's projects on espresso hello, this is freedom in the morning, the informational project of radio svoboda is visiting every day, this is the ship district of kherson, live inclusion, we are somewhere in the wheel of gold, we tell the main thing on weekdays at 9:00, pizza this week in the program , judicial control with tatyana shustrova, why do

unscrupulous judges retire with honor this it absolutely does not correspond to the logic or the activities of the supreme council of justice and how the judge who released the driver under the influence of drugs received lifetime payments specifically with poppy seeds, see on thursday, august 3 at 5:45 p.m. the judicial control program with tatyana shustrova on the espresso tv channel de-occupation and how can you live without stopping the history of the liberated cities of ukraine is unsurpassed let's see how our brothers helped us freed from normal life freed from normal technology of pro-russian inhumans terrible was very scary every day gorillas one by two houses and natsiks of ukrainian people are here yes, we are all nationalist people here did they resist residents