[000:00:00;00] you are mainly those people who, for one reason or another, do not have access to significantly cheaper bank lending, and here, uh, this category of customers is very different from uh, from people who really need a few thousand hryvnias before the next salary for some unforeseen expenses who conscientiously do not return them, and in this case , the activities of microfinance organizations are rather a benefit to clients who are, let's say , risky with various addictions , alcohol, gaming, and similar things , 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 for this category of customers is insane, but this is compensated by a large amount, i honestly do not know if these people often do not care at all about the rate they take, there are many cases of such cases when then you 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 clients so that they are not lent by microfinance organizations to cut off by setting the maximum rate, because when inserting even 2.5 to 2% , it becomes economically just not profitable to lend to such and such a category and, in principle , it tries to cut off this negative effect on society from the fact that people lose the money they received on credit and then, well, they go to some crimes in order to get them back

. well, unfortunately, such people are addicted, they will find another way to find money, not to borrow , it is possible to sell something in a pawn shop or, in fact, to rob someone, there is no problem here only in microcredit organizations but it's good that the national bank of ukraine initiated another loud statement by mr. hetmantsev, already in another publication, not in interfax-ukraine, but in obozrevatel, he wrote a column in which he proposed to impose additional taxes on the profits of banks, well, something is so similar sorry, communism, when to take away from the rich , and robin hoodism, mr. yevgeny, i am wrong. after all, banks are now in such a unique position that they

really receive surplus profits and these surplus profits are needed somehow, the profits of the banking system are back in the budget. they 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 a full-scale injury, they began. and we really see that the banks have huge profits of 50 and 3 billion net the 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, uh, 3/5 of this profit , 31.5 billion of these 53 are the profits of state banks which they in one way or another distribute to the budgets because in our country the profits of the banks remain with the banks, now it is not possible to enter them as dividends, but the profits of state banks are directed to this or that in one way or another in one or another amount

from 100% 80 % they are already directed to the budget, that is, there is simply no point in taxing it additionally, because this yes, this money goes to the budget , and the second point here is not very positive for the banking system in my opinion, the fact that the banks really show very strongly, see how profitable we are. see how much we have of profits, see how the business is going, but 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 most banks still have not recognized the real losses that they received on february 24 of last year, that is, they still have due to these surplus profits, yes, as is accepted in the press, how to say recognize the real credit risk , form a reserve, well, this is from an accounting point of view, and the plane is simple. the amount of real profits will be much less, the banks have not done this yet most banks do for various reasons . well, we see that in hopes of normal target

portfolios, the level of non-performing loans has tripled from 8% to 25%. 10% to 30, and in certain banks, well, the reduction is good. but with the portfolios, it even shows that at first there was a full-scale invasion of them, the quality of the portfolio increased , that is, it is wrong to put better service , and the bank should not just realistically recognize the picture of the world, realistically recognize its real losses, and then the question is about this that's how you say it goose, he , this question will disappear by itself p. mykhailiche , there is something to add here, but it turns out that from the words eh. er, the voters will be happy about this. and 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 widespread in the capitalist world , is called in low terminology vbitox mainly concerns another sector, not banking but energy e.e. oil companies often impose similar taxes but in the european union there were several examples when banks in several countries imposed a similar tax on them why because rates have risen everywhere in the world e.e. for loans for valuable papers. and the rates on deposits are the same in europe, as well as in ukraine, grew much slower than the rates on securities, and legislators set such taxes, why uh, this might be a bad idea, first of all

do you agree with yevhen that our state controls most of the banking system and anyway these profits go to the state one way or another . the second point is that it is a little late to set such taxes. the 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 seems to me to be a little late, and we have one last topic left, but very briefly, i will ask literally every minute to speak about the creation of a state land bank, we are not talking 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 do? well such a land bank, mr. mykhailo, you said, let’s go with you and continue for a couple of years, and 5 years ago they talked about 10 million hectares of state land as one of the main drivers of e-e and for investments from abroad, they say that if ukraine sells this land, it will receive 10 billion dollars or more, and this will be a serious stimulus for the economy. it turned out that this land is not in the state, it was removed in one way or another, the rest of it is much, much less . the word derzhzem bank has a very bad, bad history 10-15 years ago, they tried to create it under some incomprehensible scheme. now it seems to me that this is just an attempt to deal with what the state has, first try

to rent it out in the normal way through auctions, and in the future 5-7 years, obviously, sell what should happen to the state land in order for it to was 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 simply fantastic . yes, that is, they exist, for example, various state institutions, the academy of sciences, yes, which are not profitable from their activities, yes , but they do own some large land plots, but this is the right idea because well, in the end, if you, if you have ever failed with this digitization of the arrangement of the entire state topic 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, and what quality it is she has a new life, what to do with her . it’s better to arrange everything under one umbrella from someone, and then it will be easier to really do what you said , mykhailo, or sell or rent it out. or somehow it is more productive to use it, so the idea is not bad, the only thing is that the word bank here is a bit confusing because in our country there is a perception of a bank, again , a bank is some kind of fat cat, it is possible to really change the name of this structure or organization or body, what will it be to manage and but the idea is worth attention in my opinion but not bank can be an unpleasant word if you are a borrower and a pleasant one if you are depositors you will receive interest here it already depends on what kind of relationship you have with that bank p yevgeny

thank you and p mykhailo and you thank you mykhailo demkiv, a financial analyst of the isu group, and yevhen dubogrets, a financial expert, were in the economy program with andrii yanitsky on the espresso tv channel. we will see each other tomorrow at 8:10, traditionally , we will win together if we like a woman. she can do anything. probiz femina - this is your useful microflora if she is the norm . you can see the skin, hair, and everything else

is just fire , what is here? in ukraine, we see them in liberated cities, torture camps, we know about their existence in the occupied territories of the russian empire if he rolled back to lviv, it is very possible that this place would work again as a prison, as a place of extermination. who knows where i would be, where i would be. but now it is a museum at the price of the lives of our soldiers, at the price of destruction, at the price paid by all of ukraine, this is a museum and

let it remain a museum forever. thousands of ukrainians were thrown into death camps just because they wanted their own state under their own flag. ask like bridges, what do i want to see there, i can't take my eyes off i finally saw behind the snow, over the horizon into the country, you are full height under the flags and where is your own goal? mykola vasylenko, 1952, minlach concentration camp, happy flag day. every week, saturday's political club helps to understand the processes that are 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, you want to understand how our today will affect

our tomorrow, watch saturday's political club, what saturdays on espresso hello, this is freedom, the morning, the informational project of radio freedom, guests are here every day, this is the shipping district of kherson, we are live, we are somewhere in the vicinity of bakhmut, we tell the main things on weekdays at 9:00 a.m. vasyl winter’s big broadcast, my name is vasyl winter, two hours of airtime, 2 hours of your time we will talk about the most important things for two hours to learn about the war serhiy zhoretska joins our broadcast, military summaries of the day what is the world like what is there in the world yuriy fizer will talk about for two hours to stay up to date with economic news

greetings oleksandr marchenko 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 about lena or other presenters who have become familiar to many , maybe the weather will at least give us some optimism ms. natalka didenko is ready to tell us, as well as distinguished guests of the studio , we will have volodymyr grishko today, if everything goes well, the events of the day in two hours , vasyl's big broadcast of winter, a project for intelligent and those who don't care in the evening, nayspresso andriy yanitskyi keeps the economy under surveillance, yes, it's about economic news on the espresso channel, but it's not about dry numbers and clear terms , it's about the economy, it's about the ability to analyze, forecast and get a profit, but what will be the exchange rates of salaries and pensions and how will the prices of products, information about everything that affects our wallet, and informed means armed, watch

the economic news project with andrii yanitsky on weekdays at 8:10 on espresso watch this week collaborators in the program are traitors from mariupol, which of the tv presenters became the mouthpiece of the kremlin, young people went to the service of the occupiers and how the media are rebuilding the tv channel for russian propaganda helped a lot to restore this entire technical base, i congratulate olena kononenko and this is a program of collaborators about traitors who at the call of the soul and wallets went to serve the occupiers, today's issue is about the sellers from mariupol, russia's aggression continues not only on the battlefield, but also in the media space, the deaths are not spread to the empire their propaganda in the occupied ukrainian territories, and some citizens of ukraine help them in this, our journalists learned the names of those media workers of mariupol who remained in the occupied city and went to cooperate with

the enemy, see further on november 4 last year in occupied mariupol , the enemy propaganda tv channel mariupol 24 started broadcasting before that local collaborators repaired the television studio for several months in a row, because it, like other buildings , suffered significant damage as a result of russian carpet bombing, most employees of the mariupol snakes left the occupied city in the territory controlled by ukraine and to some european countries, however, some television workers remained and did not just go to cooperate with the enemy, but built an entire local propaganda tv channel, in particular, those people who worked in the free ukrainian flourishing mariupol , what for me it was a shock when young people young people joined the service of the occupiers it was a shock mykola osychenko before the full-scale invasion held the position of president

of mariupol television during the occupation city, he left for the territory of ukraine, where he still lives, and he was surprised by the fact that some talented journalists and cameramen remained in mariupol, and even more began to sow enemy propaganda. it was 02.24. the media business is big, but she, you see, crossed everything out in one fell swoop. on the mariupol 24 tv channel here she is accepting students from moscow

for an internship today on the mariupol 24 tv channel we have started an internship for students of moscow state university for second - year journalists mobilized the entire male population of donetsk region into the ranks of the so-called dpr and gave them to the meat storms of mariupol, this is what happened to ksenia's father on march 22nd, he went to the next world together with other forced the mobilized donetsk people really was the mobilization of the so-called dpr when all men were killed and most of those men whom we mobilized in donetsk maquis makiivtsi horlivtsi kirovskyi and most of them were killed with cannon fodder during the storming of our city mariupol this is how ksenia lost her father and this is another young talented employee of mariupol television who went to cooperate with the enemy, operator victor zubenko. here he is already working on the tv channel

of the occupiers and joyfully tells how the destroyed they are already allegedly putting windows in the houses. they are block people. yes, yes, during the time of free ukrainian mariupol, zubenko was taught telestaging by a senior colleague, viktor dedov, who was killed by a russian bullet in the spring of the 22nd, and even this fact did not prevent zubenko from cooperating with the enemy, says his former colleague , yuliya harkusha i taught young zubenko from the old team, and he, er, viktor died there under shelling. and viktor zubenko stayed and worked for collaborators. well, this is something completely incredible, i just don't understand these people, to put it mildly, i don't understand, they have er they must be punished because all the rigors of the law because this is a real service to criminals, this is one of the most talented operators of mariupol, at that time it was not from him, i did not expect this because he is a young man, he is an intelligent person and

he absolutely understands and sees and saw who crushed the city who killed more than 100,000 civilians in mariupol and he went to work for these people and this is arthur wolf. he worked for many years as the technical director of mariupol television. and now he took the same position at the newly created to the propaganda channel of the occupiers, he helped one hundred percent to restore this entire technical base, he himself knows how to repair its video cameras and microphones, what a complex system it is, it is very sad when people with such and such wonderful experience are impersonating their country, i wonder when exactly ukrainian surgeons in dnipro successfully operated on artur wolff's leg, he was treated in a military hospital in dnipro next to ukrainian defenders of the then ato in dnipro, and arturchik

was treated for mechnikov's leg by military medics, he was lying next to our soldiers he i was also very grateful to the doctors and my fellow soldiers, thank you very, very much, and they did it for free, and now he dares to open his mouth. uh, you know everything. it is so rare that there are enemies among public servants and those whom colleagues suspected of having pro -russian views . yuliya harkusha observed the same thing with journalist oleksandr buzuluk . quotas and

it was necessary to make some releases in ukrainian, you sit, uh, for example, you say something there, you read your text, not you, uh , we could have laughed there, sasha buzok, for example , said there oh, what are you doing here in your pig or veal language, uh, you turn on and well this sometimes led to conflicts over the bouzooka , there was a cup with a cornered eagle, everyone was a chicken, and now oleksandr buzuluk's pro-russian views go far beyond private conversations. here he is already giving an interview to the russian tv channel звезда пятый етаг - ето был как своеобразный a world that was filled, but i don’t know, with my little ones. i don’t know. for a few seconds, people sat there doing their own thing. well , it’s filled with their inner life, and in fact, when i came, i saw the ruins. the occupiers didn’t have enough workers for propaganda broadcasting, so they decided to take the russians brought artur didkov and tetyana ozerova to work and young local students to mariupol and appointed

oleksandr ber, a native of occupied donetsk, as the general producer of the channel. he previously appeared as an employee of the fake the ministry of information of the dpr and the head of one of the divisions of the so-called first republican tv channel pseudo dnr when mariupol will not let them into russia, they are not needed there and according to our laws they will have to a-a must a-a appear in court and the court i will tell you this is 12 years old as another editor and presenter in the occupiers, i appear on tsekanyan nataliya, we investigated that the woman has had russian citizenship since 2015 , the question remains open why the security service of the ukrainian mariupol television did not find out this fact in march on the 22nd, natalya went to moscow for tsukonyan and later returned to mariupol to create a local propaganda tv channel. recently, a delegation from chechnya came to the dpr, led by

the regional prime minister, and congratulated the fighters of a number of akhmats. we are sure that this television feast during the plague will not last long, our military will liberate mariupol and all traitors will bear responsibility. of course, if they do not turn their heels, there is information that the russians are already withholding salaries for collaborators working in occupation institutions 2-3 months, so the sellers have few options, either disappear or go to a ukrainian prison for 15 years with confiscation of property. this was a program of a collaborator. and i am olena kononenko. if you have information about kremlin sellers , write to us at this email address or simply on facebook together we will send all the traitors on the trail

of the russian ship. see you in a week on the air with the press. mom's ear hurts . photo from earache. i have a 20% discount in pharmacies. traveler for you and savings. watch this week's program judicial control with tatyana shustrova, who got into the public integrity council, a strong composition of scientists, lawyers, journalists, lawyers, and what tasks are facing the newly formed body. the council must take part in the qualification of more than 2,000 judges. on thursday, august 24, at 5:45 p.m., watch the judicial control program with tatyana shustrova on the espresso tv channel about the ukrainians didn't think about not talking about the first place , the war still ends, the war and our victory is only on espresso. from monday to monday

, completely different spheres of human activity are sports health, politics, the return of crimea, military analytics, nine presenters, journalists, experts, opinion leaders in real time about the most relevant events through the prism of war in the author's projects on espresso, ukrainians romanticize freedom, this is how it happened in our tradition, will, freedom, it's all like air , something you don't care about you can touch , but without it you can't breathe and on the one hand it 's really like a classic than a zloty , comparing all the zloty against freedom, it's just

a swamp, but only now when we're back they are trying to conquer not metaphorically but literally when they are trying to capture or destroy only now has the understanding come freedom has a price for its excessive juice you have to pay and

we pay hello this is freedom morning informational project of radio svoboda then guests every day this is the ship district of kherson 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 serhiia zgoretska joins our broadcast, military summaries of the day and what is the world like? yuriy fizer will talk about the world for two hours to stay up to date with the economic news of radio broadcasters . oleksandr morshchyntsi will talk about the economy during the war and new sports. yevhen pastukhov is ready to talk about sports for two hours in the company favorite presenters about culture during the war are ready to talk about the war

or other presenters who have become familiar to many , maybe the weather will give us some optimism, mrs. natalka didenko is ready to tell us, as well as distinguished guests of the studio in we will be here today, volodymyr hryshko, if everything goes well, the events of the day in two hours, vasyl's big broadcast, winter, a project for the intelligent and caring in the evening, nayspresso , we have huge problems. until the last days until july 2023, our state paid money for produced or not produced or