[000:00:00;00] everything related to the banking system and currency. greetings, dear experts, morning. good afternoon. so, the national bank of ukraine eases the currency restrictions that were introduced during the war, in particular, it allows, for the first time , at the beginning of a full-scale invasion, it allows banks to sell non-cash foreign currency to the population without confirming the grounds or obligations for carrying out such an operation within the framework of 50,000 uah and will increase from one hundred to 200,000 uah equivalent monthly limit for the purchase of non-cash foreign currency with subsequent placement on deposit was the story that if you wanted to buy currency, you could do it through a deposit. mykhailo, let's start with you . what does such financial easing indicate

, why the national bank of ukraine right now, that it is possible to simplify the rules, well, always softening liberalization is a positive positive news that is nice to comment on and now against the background of the fact that the reserves of the national bank have crossed the mark of 40 billion uah, 40 billion dollars are historically the highest values makes it possible to return to the online purchase of currency, the service that was available to ukrainians three years before the start of the full-scale invasion and became something common and was banned in the 22nd year , buying cashless currency e-e compared to buying cash has its pros and cons first of all, it's convenience, it can be done by investigators on the couch, uh, it's not necessary, it can be

any amount, not necessarily a multiple of $100 , $10, it can even be cents, and of course you don't need to worry about the real one from the banknotes about the fact that they are some kind of crumpled or, er, of an old release . as we know, this is also a big problem recently. but of course, on the other side of the coin is the fact that such a purchase can be crossed out with one er, polomkompera regulator. well, of course, you this you can sell the purchased non-cash currency later only to your bank or, er, go and withdraw funds in cash already at the cash register. of course, it will not be possible to do this while sitting on the couch, but i would like to say that the option is available literally immediately after buying the currency, and for many people it can become interesting interesting uh

there is a way to convert your savings now, going back to the question why did you take such a step recently, you may have noticed that there were inspections of many currency exchange points that, according to the law enforcement officers, were working illegally and did not pay taxes and this reduced supply of currency, i.e. a place where you can buy cash currency became less, as a result, we saw a rise in the dollar cash rate , that is, in such a situation, to give people the opportunity to buy currency in some other way, this is something, and there is an attempt to knock down this very rate return it to some kind of normality will choose which way to buy cash is cashless you touched on the issue of the exchange rate and i have a question for ivan yevhen about the exchange rate already seen by the national bank of ukraine

. i understand that it is difficult to predict, but at least the direction is possible will it be strengthened or weakened? well, what do i think about such a profane er-er hmm discretion, then this is the decision er-er to loosen currency restrictions and says that the national bank of ukraine feels confident and that the hryvnia will not fall after such relaxations. and what is your opinion? well, do you remember that the first rule of forecasting the exchange rate is not to forecast currencies on the exchange rate if you are joking. and if you are serious. yes, and i completely agree with you . the fact that the hryvnia can weaken very much there. he would never have taken this step, and on the contrary there , the fact that he softens the currency restriction, the fact that he gives an opportunity there, in fact, to the majority

, the overwhelming majority of ukrainians in any the moment to buy currency for savings for deposits for storage even under the mattress, this indicates that the national bank does not see any problems with the exchange rate . it seems to me that you know about market stabilization in order to gradually be able to release even a little hryvnia by the end of the year this is, as they say, free-floating because we have enough gold and currency reserves, we mean help from partners, and that is why now, as far as i am concerned, there are no risks for exchange rate stability at all , topics related to banks continue to be discussed by members of the verkhovna rada of ukraine decided that it might be worth imposing an additional tax on banks' interest income from deposit certificates, first of all, we discussed that banks now have a lot of resources, and this resource they mainly

use to purchase securities from the national bank and the government, etc. evgeny chi is this idea appropriate to introduce an additional tax on excess profits of banks, when half of the entire banking system in our country is actually state money, that is, it is already state money, it is difficult to say whether such an idea is appropriate or not appropriate. let it be deputies are gathering, solving, analyzing here another problem is that in the form in which it is currently submitted to the verkhovna rada , the bill is actually not very effective there because it is proposed to tax the net interest income of banks, that is, income not only from these government securities, but also from ordinary lending, lending to physics from the preparation of the business and there is a paradoxical situation that the better the bank lends, the more reliable the portfolio, the more

effective risk management it has, the more it will pay, and for assumptions so what are these excess profits from securities, that is, it seems to me that this idea still needs to be finished somehow, as they say, if the deputies really want to do it? well, there hasn’t been a first reading yet, but the law is still working, mr. mykhailo. is there any in world practice such uh-uh as it is said that this is a temporary mechanism uh-uh there will be a uh-uh mechanism for excess profits uh-uh tax or do such temporary mechanisms happen in world practice so often there are such taxes that are called profit tax in ukrainian in in english it is called the text, most often it falls on the energy sector, oil, oil companies, where such excess profits appear, but there are also cases in

the european union that concern the bank itself , but the mechanism is somewhat different, and the difference between is taxed by the incomes that the banks received this year and by the average value of some incomes for several previous years, evgeny is right here , the bill may need to be revised and let's say this was the first approach to the projectile and the parliament will give it some alternative, fairer approach to the taxation of excess profits because there is a risk of taxation of excess profits of those banks that did not appear either this year or last year. well , let 's go back to the first question a little bit . the online application of one of the banks and it worked, that is, indeed, the currency restrictions have already

been eased, if someone needs currency, you can buy it directly online without leaving the studio even during the live broadcast and the last question about the national bank of ukraine and the ministry of finance of the national commission for securities and individual deposit guarantee funds , all four of these organizations have agreed to finalize a new strategy for the development of the financial sector of ukraine. if you have already read it, yes, i read it, i would like to start from a different place, yes, you know, we have it in ukraine there . such a skeptical attitude towards documents with the name strategy is quite enough. well, it is rightly so that a lot of such documents were about nothing, and they often say that the strategy is something so ephemeral, they will still work

as they did, but it is important that the fact that this strategy was released at all, the important thing is that the vast majority of our donors, that is, partner countries, are guided by such documents so they look at what is written in the program documents and under these goals under these e-e indicators that are fixed in the strategy provide definancing so that it can be implemented there faster that is why the very appearance of this strategy is a very positive sign a sign of the fact that well, indeed, our partners will support us, that there is a lot of everything inside, in fact, in the part of the national bank, it very much duplicates the fact that the national bank issued a program document at the beginning of the summer, there is a lot in this document about the development of the stock market, about the development

of market capitals, even such there is one such indicator - the introduction of islamic financial instruments in ukraine. well, i hope that this is a long enough story. let's deal with what is there. that is it is so strategically so, a document that simply shows where we are going and does not give thank god it does not give any deadline and no obligations that we are obliged to do it there by the end of a certain period. well, the issue of the national bank of ukraine is related to this introduce an independent policy from the government and other authorities e p mykhailo what do you think about this coordination of efforts between various e-e government institutions and authorities e-e to what extent is it appropriate ? which he wouldn't have

do no, well, i wouldn't call it coordination of efforts. it's more of a definition of goals that are really all right and necessary. the only thing i didn't see in this strategy is the focus on the privatization of state banks. it's mentioned somewhere in passing, but i didn't get the impression that it was there is a big problem with which he is going to fight, but in my opinion, this is such a, such a situation, in fact, there is also about the development of rhyme in the capital, a very correct gene noted a really large block of questions devoted to questions, but there was literally recently several introductions of sanctions, which in principle are all correct. but their implementation hit not only those who should have been hit, but also the ukrainian language and the accent of the broker . clients of one of the ukrainian banks were forced to sell all their shares bought before the war and blocked money invested in military bonds from finance and e-e expropriation of shares in sichi motor and other

companies, these are precisely in the minority in which they are not related to e-e special people, this basically all hit the investments and it is very difficult in such conditions to reach all these of the specified goals for the development of capital markets, there is definitely a need for changes to the rules on the background market we also need changes to the rules for working with shares 100%, i hope that they will be implemented in a positive way thank you, dear experts, mykhailo demkiv, financial analyst of the icu group and evgeny duborys, a financial expert, were on the air of espresso tv channel today, as they talked about banks, about the easing of currency restrictions by the national bank of ukraine, and now you can buy currency online, there was such a restriction before, and about potential potential bill on roof taxes on the profits of e-e-banks initiated by deputies on

this today everything andriy yanitskyi the host of this program see you tomorrow at 8:10 a.m. together we will win i am oleksandr sklyar i was born and grew up in kharkiv in a city that suffers daily from russian weapons i know that poltava became a home for tens of thousands of displaced people and for me a second hometown where the best years of my career were spent. thank you to the armed forces of ukraine for the opportunity to play football

. time and money is a terrible place and such places have appeared again in ukraine, we see them in liberated cities, torture camps, we know about their existence in the occupied territories, russian peace . the prison as a place of destruction is not according to who knows where i would be, where you would be, but now it is a museum, the price of the lives of our soldiers, the price of destruction, the price that all ukraine is paying, this is a museum and let it

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are in bahmut we tell the main thing on weekdays at 9:00 a.m. big broadcast of vasyl zima my name is vasyl zima two hours of air time 2 hours of your time, we will talk about the most important things for two hours to learn about the war, serhiia zhoretska joins our broadcast , military summaries of the day and what is the world like? new sport evgeny 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 mrs. natalka didenko is ready to tell us about optimism, as well as distinguished studio guests, we will have volodymyr grishko today, if everything goes well, events of the day in two hours , vasyl zima's big broadcast, a project for smart and

caring people, in the evening, nayspresso, andriy yanitskyi keeps the economy under control, so we're talking about news of the economy on the espresso channel, but it is not about dry numbers and clear terms, it is about the economy, it is about the ability to analyze , forecast and profit, but what will be the exchange rates of salaries and pensions and how the prices of products will change, information about everything that affects our wallet, and informed means armed . watch the economy news project with andrii yanitsky on weekdays. at 8:10, not espresso. watch this week's program collaborators of the reptiles from berdyansk who gladly welcomed the russian army of our city, the brothers of tver er, she came such a humanitarian help traitors stole ukrainian grain i was given a task

literally in the sense of reviving the port collaborators for sellers who chose a tricolor cloth for worship zaporizhzhia region city berdyansk spa pearl of ukraine with healing mud, mineral waters, sandy beaches and the sea of ​​azov, the place was founded in 1836 on the site of cossack and fishing settlements that appeared here in the middle of the 16th century in modern ukraine , many families had mineral waters , sandy beaches and the sea of ​​azov, the place was founded in 1836, on the site of the cossack and fishing settlements that appeared here in the middle of the 16th century in modern ukraine , many families had mineral waters , sandy beaches and the sea of ​​azov a place founded in 1836 on the site of cossack and fishing settlements that appeared here in the middle of the 16th century in modern ukraine

, in many families it would be mineral waters , sandy beaches and the sea of ​​azov. the city was founded in 1836 on the site of cossack and fishing settlements here in the middle of the 16th century in modern ukraine, many families had mineral waters, sandy beaches and the sea of ​​azov. the city was founded in 1836 on the site of cossack and fishing settlements that appeared here in the middle of the 16th century. in modern ukraine, many families had mineral waters, sandy beaches and the sea of ​​azov. the city was founded in 1836 on the site of cossack and fishing settlements that appeared here in the middle of the 16th century in modern ukraine. many families had mineral waters, sandy beaches and the sea of ​​azov. the city was founded in 1836 on the site of cossack and fishing settlements that appeared here in the middle of the 16th century in modern ukraine, many

families had mineral waters, sandy beaches and the sea of ​​azov. the city was founded in 1836 on the site of cossack and fishing settlements settlements here in the middle of the 16th century in modern ukraine, many families had mineral waters, sandy beaches and the sea of ​​azov, the place was founded in 1836 on the site of cossack and fishing settlements that appeared here in the middle of the 16th century, in modern ukraine, many families had mineral waters, sand beaches and the sea of ​​azov. the city was founded in 1836 on the site of cossack and fishing settlements that appeared here in the middle of the 16th century in