[000:00:00;00] of the opposing formation from the general staff, more than 30 combat clashes took place last day at the front. our defenders successfully repelled russian attacks on the avdiiv and mariinsky directions. and on the melitopol defense line , they continue to advance. with a missile complex , the yar-telerist rocket launchers also caused trouble for the mendozhites , striking three areas with a concentration of personnel and equipment, two ammunition depots, a point management of an artillery vehicle and a toz-1a heavy rocket-propelled grenade system and at night it was loud in moscow again , the russian capital was attacked by drones, one of them hit the business center of moscow city, the building

was damaged at the level of 10-15 floors , the windows of neighboring houses were blown out by the blast wave , the changes there are reported the ministry of defense of the russian federation announced an attack by three drones , two of them were allegedly shot down in the region, another was smothered by means of rap in moscow itself. it lost control and collided with the building of the business center. traditionally, there are no victims. it's three o'clock in the morning, i'm super, very, very loud sound, he's watching me, there's no model , sikova, and there's such a sharp sound, at first , i didn't understand anything, i slowly came to my senses because he's not there, stick war romeo, most likely a drone , scary pictures, there was also unrest in

the crimea of ​​the occupier they stopped traffic on the kerchensk bridge because the air defense was allegedly working , the local public wrote about it, they heard explosions and automatic gunfire, and in sevastopol the so-called governor of the city reported that these sounds were related to military training in cossack bay closer to midnight , the ministry of defense of the russian federation reported that it raised fighter jets due to the appearance of drones on the black sea . the russians destroyed all infrastructure, production, nature , journalist vitaly portnikov and ella libanova, director of the institute of demography, talked about this, we

will show you this interview on august 24 at 1:25 p.m. special projects ukraine the price of freedom, don't miss it, don't give, don't agree, 70% of our women who are abroad, these are the data of the germans and the data of the poles, not mine, belong to the higher world, and you understand that they went abroad with children. not the least, i am told that those who went abroad all their lives here i was behind my husband, my father, and so on. it’s not true who was behind them. they didn’t go, they were afraid because there’s no back there. and that’s why we can lose a lot. after the abolition of martial law eh the reunification of families will take place, but not in ukraine , there are risks and the longer the war lasts, the more

infrastructure and industrial, residential , and all other things will be destroyed, the more likely it will happen. in other words, such a decision will allow to automatically receive information from the ministries of justice of internal affairs on foreign affairs, as well as the central election commission and the state of the border service, every citizen will have fewer ghosts to enter the corridors and only when there is a direct need to appear there. every year in ukraine, august 23 is celebrated as the national flag day. this holiday was started by the decree of the second president leonid kuchma back in 2004. the date was not chosen by chance on august 23 in 1991, a group of deputies brought the national flag

of ukraine to the session hall of the verkhovna rada for the first time. according to one version, the blue color symbolizes the sky, and according to another, the yellow ears of wheat are symbols of the two main elements of nature, water and fire, from a religious point of view, yellow represents the creator, and blue everything earthly in the conditions of the full-scale invasion of russia, this holiday was not of particular importance, the colors of the ukrainian flag became a symbol of steadfastness, indomitability and resistance to the aggression of the invaders , the premiere of the documentary took place in kremenchuk of the film independence day based on the plot of the film directed by volodymyr tykhi on august 24 , 2022 in the life of several film heroes in kremenchuk, the camera operator presented the film

andriy kotlyar, they made it in co-production with poland , so the film is released not only in ukrainian distribution, but also in poland on august 24 , on independence day. in the regions of ukraine, both in the relatively safe kyiv and lviv, and in the front-line kharkiv and mykolaiv, as well as in the trenches on the front line and on the sand of the odesa beach , the cinematographers tried to record the reality for the ages, to immortalize everything exactly as it was at the time of the shooting. i'm glad that it just happened good light unifying film about our country sincere portrait andriy himself is from kremenchuk and began his creative career in cinematography in the city video studio berezil among the audience it will happen valentina holodnyak i want to believe that what we teachers of the kremenchuk city center

of extra-curricular education put into him it saw through and appeared on the screen to watch the documentary went to hundreds of people from kremenchuk who, after the session , pelted andriy kotlyar with questions not understood by everyone format lack of credits selection heroes, profanity, we are from sverdneisk, luhansk region . we saw it all with our own eyes, and i was sad, honestly, i didn't like it very much. i think it's not very fair. grandchildren, it will be more interesting then, because we are going through a very difficult time right now, and we are all worried about victory , but at such moments, they must be revealed, you must learn to read between the tapes, the tape

was created by the babylon 13 cinema association okoproduktion with polish colleagues and with the support of the polish film institute, on august 24, independence day will be shown in cinemas in ukraine and poland. iryna skripachova viktor hrytsenko from kremenchuk for the espresso tv channel , at least 115 people died in forest fires on the hawaiian islands , the voice of america reports, rescuers faced the problem of finding hundreds of missing persons, the governor in hawaii, josh green claimed more than a thousand, and the white house estimated the number of missing from 500 to 800, so the exact numbers differ. but in greece, 19 victims are known as a result of the fire, in particular, in the north of the country, the bodies of 18 people were found, they were probably migrants, since there were no reports of missing local residents in this area

, according to nn, one more person died in a fire northwest of the capital athens, in total, more than 65 forest fires are raging in the country, which they are trying to tame hundreds of firefighters, strong wind and high temperature complicate the situation, among other topics horned sashko finally , a bison named sashko returned home to the kharkiv ecopark the press service of the feldmanak park happily announced the mammal was saved from shelling in the spring. last year, while still a cub, its parents were killed, and the little one managed to evacuate to poltava, where he lived until now. sashko was fed and rehabilitated after the stress . last week, an already adult bison was taken to his relatives krai ended this issue on a positive note, the next one will be at 10:00 a.m. and

economic news from andriy yanivskyi right now andriy yanivskyi with economic topics on espresso tv channel as usual in the morning at 8:10 after the news, you and i work live and the traditional mediator immediately communicates with two experts mykhailo dubogry - mykhailo demkiv, he is the financial analyst of the icu group and yevgeny dubogryzam. i apologize to the financial experts, mr. mykhailo and mr. yevgeny . greetings. names good good today is an extraordinary and interesting day for us, since we are discussing two topics that were born from the initiative of mr. danylo

hetmantsev, such a well-known ukrainian political figure, chairman of the committee of the supreme council on issues of tax and customs policy, well, in particular, in an interview with interfax-ukraine , he told that the deputies plan to limit the rates on microcredits and what he said in this interview. - the credit organization set the annual interest rate at the level of 244,460% per annum, i have no idea how much, that is, i borrowed 1 hryvnia from it and i need to return 244,000 hryvnias, or how is it calculated, yevgeny, tell me how such organizations work, the organization works very simply they set a certain daily interest rate , which looks like well, it looks like it is small, that is, we are charged some kind of commission

, for example, there are several percentages of 35%, and then, relatively speaking, 3-4% per day, or under certain conditions, probably another 12-15 or even 20% on a month, it doesn't look like anything. i'm so critical if i don't know how to count, but when we translate it into annual interest rates, these crazy tens and hundreds of times more are the amount that must be returned and compared to what was taken. it's really and it's really a problem and this is what you are saying, that the deputies are going to limit, it was actually the initiative of the national bank of ukraine to do this, they drew attention to the need to do something with the market, because otherwise it is a huge risk not only for ordinary people who take these loans simply because they are very easy

take and also for the stability of the financial system, because when there are many such people, they start to get indignant when crazy money is sent from them, uh, starts to gather rallies there, they start to demand compensation for these interests from the state budget, i.e. from the funds of all taxpayers and in the end and in the end everyone suffers except those who set such interest rates. a very illustrative example was the mykhailivskyi bank, which you remember once issued deposits not to bank a but to one related to the structure, and then the defrauded depositors gathered and i had to adopt a whole law there and compensate for these losses at the expense of the budget , so the initiative seems to me quite true. well , after all, there were depositors, and we are talking about borrowers who do not know how to count here

problems with financial literacy, or why do people agree that 29 companies set the rate at the level of more than 50,000 p per year mykhailo, why do people agree to take money at such crazy interest rates? are they still somehow being deceived by these people and say that the percentage is one, but in the documents it is a different small amount it is written somewhere in the font, well, clients of microfinance organizations are mainly those people who for one reason or another do not have access to much cheaper bank lending, and here, uh, this category of clients is very different from uh, from people who really need a few thousand hryvnias before the next salary for some unforeseen expenses, which conscientiously repay them, and in this case, the activity of microfinance organizations is rather a benefit to clients who are, let's say, a risk and with various kinds of addictions, alcohol,

gaming, and similar things, and not all of such clients are microfinance organizations are ready to take, but some are ready to take risks , because the percentage of non-repayment of loans of this category of customers is crazy, but this is compensated by a large e-e rate and i don’t know to be honest, these people often don't care at all about the rate they take. there are many cases of such people when they then have to pay for them, or return the loan to their relatives, and in principle, what the national bank and the legislator want to do is to cut off such a category of customers so that they did not lend to microfinance organizations, cut off by setting the maximum rate, because when inserting even 2.5 to 2%, uh , it becomes economically just not profitable

to lend to such and such a category and, in principle , tries to cut off this negative effect on society from the fact that people lose money received on credit and then go to some crimes in order to return it well, unfortunately , such people with addictions, they will find another way to find money, not to borrow, it is possible to sell something in a pawn shop or in fact robbing someone is a problem here, not only in microcredit organizations. but it's good that the national bank of ukraine initiated another loud statement by mr. hetmantsev. in another publication, not in interfax-ukraine, but in obozrevatel, he wrote a column suggesting

er, to impose additional taxes on the profits of banks, well, something is so similar to something like this. excuse me, communism, when to take away from the rich, or robin hoodism , some kind of mr. yevgeny, i am wrong. after all, now the banks are in such a unique position that they really receive excess profits and must these excess profits are somehow returned to the budget , the profits of the banking system are really quite high now, this is caused by those distortions in the economy in general and in economic policy, which, uh, well, with the beginning of full-scale insertion, began and indeed we see that the banks have huge profits of 50 and 3 billion, the net profit of the banking system for the first half of the year is a record, but on the other hand, let's take a deeper look at what these profits consist of, and 3/5

of this profit is 31.5 billion of these 53 the profits of state banks, which they allocate to the budget in one way or another, because in our country, the profits of banks remain with the banks, but now they cannot be caught with dividends, but the profits of state banks are directed to one way or another in one way or another from 100% to 80% they are already directed to the budget, i.e. in addition. it is simply taxed on the masonage, because that is how this money goes to the budget, and the second point here is not very positive for the banking system in my opinion. profitable look at how much profit we have, see how the business is doing, and in fact, this is not true, because if you look at the state of the loan portfolios, the state of the banks' assets in general, you can see that the majority of banks still have not recognized the

real losses they received and 24 february last year, that is, they still have due to these excess profits, yes, as is customary. in the press, how to say recognize the real credit risk , form reserves, well, this is an accounting point of view and the plane is simple. the amount of real profits will be much less . banks do not do this yet, for various reasons . we see that in hopes with normal and portfolios, the level of non -performing loans has tripled from 8% to 25%, from 10% to 30, and in certain banks, a decrease. with good portfolios, it even shows that initially full-scale the invasion of them, the quality of the portfolio has increased, that is, it is not true to put better service, and the banks just need to realistically recognize the picture of the world, realistically recognize their real losses, and then the question of this is the taxing on us of supercharges , plucking. add here, it turns out that the words

of yevgeny are a populist statement by mr. hetmantsev, so let's let these fat cats , as bankers are often called, journalistic various works, let's tax them additional taxes and the voters will be happy about it. do you think it should be done or not? well, i am a little less skeptical about this idea, after all, the very concept of taxation of extraordinary profits, it is common in the capitalist world, it is called in low-terminology in the band odex mainly applies to another sector not banking, but energy, etc. oil companies often impose similar taxes but there were several examples in the european union when banks in several countries imposed

a similar tax on them why because rates and everywhere in the world, e-e increased on securities loans. and withdrawals on deposits in the same europe, as well as in ukraine, grew much slower than the rates on securities and legislators established similar taxes, why e-e, this might be a bad idea before you agree with evgeny that our state controls most of the banking system and all the same, these profits go to the state in one way or another. the second point is that it is a little late to set such taxes, first of all, rates the discount rate of the national bank will reduce it in the future, that is, the amount of these excess profits will be significantly reduced very soon

and, well, in principle , well, the moment for such an introduction of such a tax. to speak about the creation of a state land bank, it is not about the bank where the money is, but about the accumulation of all state land in one structure, now it is planned that the structure will be under the management of the state property fund, what will this result in well, such a land bank, mr. mykhailo, you said, let’s go and continue back, they talked about 10 million hectares of state land as one of the main drivers for investments from abroad, they say that ukraine will sell this land and get $10 billion or more, and that a serious stimulus for the economy turned out to be that this land does not exist in the state, it was taken out in one way or another, and much less is left of it

, derzhzem bank has a very bad, bad history 10-15 years ago, they tried to create it under some incomprehensible schemes now it seems to me that this is just an attempt to deal with what the state has, first try to lease it normally through auctions, and in the future 5-7 years, obviously, sell what should happen to the state land in order for it to be used more effectively, yevgeny do you think it is possible to create a state agricultural holding on these 10 million hectares of land? it sounds fantastic. we still have enough state agricultural holdings that do not call themselves state. harps, nevertheless, and the land is managed, but also the blacks, the black groholezhny, yes, that is, there are, for example, various

state institutions, the academy of sciences, yes, which are not profitable for their activities, yes, but they own some large plots of land , but this is the right idea, because well, in the end if you have ever failed with this digitization, it is the arrangement of the entire state subject of land under one body. well , let's try again, it will definitely be more effective than now. when in fact no one in the state knows how much land there is, how much of it what kind of quality is it, such is it, it is a new life, what to do with it. it is better to organize it all under some kind of umbrella and then it will simply be easier to really do what you said, mykhailo, or sell it or rent it out, or use it in a more productive way. the idea is not bad, the only thing is that the word bank here is a bit confusing because we have a perception of a bank as some kind of institution, after all, a bank is some kind of fat cat, it is possible to really change

the name of this structure or organization or the bodies that will manage it and but the idea is worth it attention, how about me? not a bank can be an unpleasant word if you are a borrower, and a pleasant one if you are a depositor, you will receive interest here, it depends on what kind of relationship you have with that bank . evgeny dubogrets, a financial expert, was on the economy program with andrii yanitsky on the espresso tv channel. we will see each other tomorrow at 8:10 a.m. traditionally, together we will overcome stiffness in the joints and spine, osteochondrosis

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analytics nine presenters journalists experts opinion leaders in real time about the most current events through the prism of the war in author's projects on espresso hello this is freedom morning informational project radio svoboda guests every day this is the shipping district of kherson turn on live we are somewhere in the vicinity of bakhmut we tell the main thing on weekdays at 9:00 thousands of ukrainians were thrown into death camps just because they wanted their own state under with my own flag, the snows themselves lie boundless in the far distance, like bridges

, what do i want to see there, i can’t take my eyes away until then i saw behind the snows, beyond the horizon to the country you are full of height under the flags and where is your own goals mykola vasylenko year 1952 concentration camp minlah happy flag day the independence of ukraine is held on their shoulders real heroes defend our right to life and freedom around the clock we ukrainians never encroach on other people's land but fight for our land until victory sbu destroys the enemy everywhere on earth in in the air and at sea, independence is a component of the genetic code that unites ukrainians, it

was, is and will be because we will definitely drive out the darkness that came from the east happy independence day ukraine sbu we are approaching victory together dear friends we are returning to avatar andriy zaichuk and lesya vakulyuk are working in this studio for you today is the day of the ukrainian flag, but it must be said that today is another day, and we want to be among european countries , the european day of remembrance of the victims of stalinism and nazism, the day of the black ribbon, black pribludey that's what it's called that's what it's called it looks like it is celebrated in this european union in particular and actually why today because since