there was hysteria in russia, they shouted: everything is fine with us, import substitution, our central bank raises the interest rate, but at the feet, that is, they pointed the finger at us, the national bank decides to keep the discount rate at the same level of 13% per annum, is that good or not is it bad, and will it be possible to regulate and bring the parameters of inflation to those that are prescribed in... budget drafts, thank you, this is a very important question, because it actually concerns every citizen of our state, people who are also at the front, people , which today are in our rear states are strengthening their defense capabilities and economy in order to support the armed forces of ukraine, but in fact, any rate that the national bank issues to the market as part of its monetary policy, well, it is the result of many factors that... it

affects, first after all, we must understand that today the national currency devalued by approximately 10-12% over the previous year, and this means that in order for deposits in the banking system in hryvnias to be attractive, they must pay more than 12%, and if the state budget of ukraine predicts a drop in the national currency rate to 45 hryvnias against 40.5 41, which we currently have on average for the year, which means that this is another 10%. that is, the attractiveness of bank deposits in the hryvnia, of which the majority are today, should be such that it somehow encourages depositors to keep their savings in the national currency, and not to go to dollars, because if if this, if this tsunami of the ukrainian national currency goes to the currency market, then we understand with you that the national bank will be forced to spend our huge foreign currency state savings. or

will be forced to further reduce the rate of the national currency, and if the rate of the national currency is reduced, it means inflation in the system, it means that goods will become more expensive, and it means that in the situation of the same budget next year, when social standards are frozen, so that this is required by the military situation, it means that people will be able to buy even less with the money they have in their pockets, so as i said, 13% is today zva... the result is not the best, because, unfortunately, we have not reached our inflation target, but taking into account what is happening and can happen in the national currency market and with the exchange rate of the national currency, that is, it is probably 13% of the rate, that of the discount rate, that the national bank, together with all the scientists who work at the national bank of the bank, together with... the council of the national bank and

the board of the national bank decided that this is the best situation, namely the monetary situation in the circumstances in which we are today, but how i said it's huge a combination of various factors, including the fiscal factor, including the actions of the government, because it is impossible to build a monetary policy without the government, of course, thank you, another solution of the national bank is to reduce the interest rates on refinancing loans to 16%, the maximum... period of granting was limited to 14 days, what kind of loans are these, and how will this change, this figure up to 16% , affect the economy in ukraine? in fact , it will not affect the economy of ukraine in any way, because if loans are for two weeks, you yourself understand, these are not microloans for people in their pockets, these are relations interbank, intercentral bank, regulator and commercial banks that exist in the country, and in fact we...

most likely loans to regulate the relevant standards of commercial banks before the national bank of ukraine, because you cannot get a loan from the national bank for two weeks, issue it to any national enterprise and after that successfully return it in two weeks, because in the national economy such loans are not needed at all, the fact that they have become 16% today, well, this is the same standard that is actually tied to the main rate, that is, the discount rate of the national bank 13. how will they affect, as i said, the economy of ukraine, they will not affect the economy of ukraine in any way, this is purely inter-industry, that is, in the middle of the industry, the relations of the central bank between its clients, commercial banks of ukraine. by the way, about such real loans for real business, we have a very different picture when we talk to different cities, and where we would most like speed and ease of obtaining. for example, for such

cities that can already be considered near-front, at least in terms of shelling, like kharkiv, well, in kharkiv they say that it is very difficult to get loans for business for... restoration or start-up, in others they say that it is easier with the paper component itself , worse with the fact that there is not enough for everyone, in general, how to solve this issue, because loans for business are needed right now like oxygen, this is definitely, roman, loans are needed all the time so that they filter into the economy, there is no economy in the world opportunities to develop without what am i, forgive me very much. the banking system, which ensures the filtering of credit into the economy, because any enterprise in the world, it cannot exist only at the expense of its own money, it, they must these enterprises, these sectors of the economy, which are financed in different models, in different ways

under different in appearance, but all businesses, all economies must have financing, which is why the banking sector everywhere in the world is actually so important because it's what makes things move. economy when we have the question of how to get a loan in kharkov, then we need to be realistic, we can get a loan in kharkov only with the support of the state, only when it is either subsidized or guaranteed, and this means, all this means that loans in the military territories , it is almost impossible to get on the military land, and there are no banks that will take the risk to invest there either the money of depositors or the capital of shareholders, so it is realistic today... to relocate their businesses in the western territory of ukraine and receive loans there , because the banking system, even if not very well, even if not in the way we would like, finances the ukrainian economy, because in fact the economy of ukraine today lives without credit at all, if it has 10% and

needs there, it is, i'm sorry, not at all the figure that the national industry, the national gross domestic product, can count on from the banking system. that is, today during the war the most important thing is to end the war and after that we understand that the banking system will begin to look at the economy in a commercial way of ukraine and to finance it. if we cannot achieve this today, then the only thing we can count on is the state and the support of our partners, because look how many programs we hear today in the newspapers on television, when the western governments, denmark, germany, great britain , france, any other partner countries, america through programs. usad or the american eximbank, they support industries, either export-oriented, or those that produce one or another product there, that is, the ukrainian state does this to the extent that as much as it can, it is limited, strong, now today by its indicators and the needs of the budget, because everything is focused on

financing the armed forces of ukraine, to defend against this aggression and, god willing, we will win, and the most important thing is that in this situation we have to be realistic , and realists, these are actually entrepreneurs and heads of industries and heads of the economy, heads of enterprises, everyone must be realists, we must work not only with the national bank, but we must work as much as possible with the government of our country, and the government must be right competent, if the government is improperly competent, in this situation it is difficult how to work, it will be difficult and very difficult to get the economy of ukraine. actually, while the war is still going on, so what? it is still possible to make the financial system remain stable as much as possible for us now, and to help stimulate the economy, the growth will be minimal, you know, there is a mathematical formula from changing the places of the components, the amount does not change, so

what the national bank is doing today within the framework of its monetary policy and discount rate and rates of commercial banks, this is all very well, but if 2 + 2 = then no matter how much you rearrange two to two, five will not become and six will not become. what does this mean? this means that having completed its work on maintaining the exchange rate , the national bank of ukraine must first of all think about the economy and about jobs in our country, as it is today, the federal reserve system, the central bank of the united states , thinks in its own way according to the mandate states of america. i mean, what does it mean? the national bank should go to the government and say: government, we want... you support as many of those enterprises that are working as possible, so that you create conditions when these enterprises will continue to keep jobs, and to create and automate them, because due to mobilization, there are not even men today, how to work, the situation is different to attract, encourage investments, it is

difficult now, but global programs, programs of western partners, they help us in this, everything is fine, if today the government will support the most important industries and the most important enterprises, through making them attractive for investment and protecting them from in general, those that happen through the law enforcement system, you and i know how many tens of thousands of criminal cases are opened. today, the prosecutor's office, the state security service, the state security service, the state security service, and the rest of all those who have no reason to even exist, i.e. , the economy is not protected, industries are not protected , enterprises are not protected, businesses are not protected, this means that these are actually the steps of the national bank called for , to urge the government to do together so that not 2 + 2 equals four, but that two becomes three, and the rest... also becomes either three or four, then 3 + 3 will be 6, or 3 + 4 = 7, and

the fact that the national bank only does part of its work and does not do another part of the work together with the government will not change anything, because how do you calibrate the monetary politics, without the growth of the national domestic product, the gross domestic product, without the growth of the economy, which is the responsibility of the government, a competent government, i emphasize competent, nothing unfortunately will happen, we still have literally... a few minutes, you already mentioned it, in fact, the national bank has a certain picture of the economy, in fact the government through its ministries, in particular the ministry of finance, the ministry of defense, understands where economic armor is needed so that entire sectors and clusters of the economy do not fall, but somehow we do not observe this harmony yet, so one succeeds 100% their specialists at least now. to reserve from mobilization is different, on the contrary, they are already complaining, they say, we don’t have time to prepare, we have

a big lack of working groups, how to harmonize this, a very, very good question, but unfortunately, i'm disappointing you, believe me, we've supposedly waited three years for today, as there were ministers who worked there on the sectors of ukraine's turnover capacity, who managed ukroboronprom there, who tried to fix the enterprises that are responsible for... the army, excuse me, and make it so, for them to produce more products, today with changes in the government, that is, we all the time said that they were incompetent, criticized by everyone, starting from outside the country, that is, all our partners, who did it very tolerantly, ending with our internal analysts, who also did not want to push, to rock the boat, because we understand that we are in a military situation, but at the end of the day, today those people who worked for two or three... three years, they are fired, we have new people today, how will these people show themselves, no one does not know, well, but

it all depends on how to harmonize, as we say, harmonize the situation in the defense capability of the country with the ability to produce as much as possible of our national economy, so that the economy, so that we do not ask, forgive and do not beg our partners, please give us the opportunity shoot at a gallop russia, yes, it is better for us to have our own rockets, clearings, breadcrumbs, any others, willow. in order to do it and not ask, we protect our national interests, we protect our land, we protect our people, so i want to tell you the question of how to harmonize, how to resonate so that exactly our desires resonate with the economy, the economy resonated and answered us with the very thing that we are trying to achieve, this is actually a big question that, believe me, i have such a fair amount of cynicism to say that the experts should manage it, it should be... competent people, which, unfortunately, today we don't know whether they are there or not, and what

happened with the government and the release of these people to nowhere, in my understanding, well, very, very much a loss of what we have worked for until today, not understanding what the consequences will be, mr. kostyantyn, thank you, kostin zhavagu, an entrepreneur, patron of the economy, that is, about finances and not only, we remember that this qr code on the screen. this is support, direct support of our three units on the donetsk front, rebs and fpv drones, we collected almost 700 this morning, in fact it is not much, because there were mornings when we collected 100 or more thousand for the needs of our defenders, so please be active as much as you can, because if you can raise 10 uah, it also very good, because both 100, and 10, and 20, it all adds up, and that's the only way we can collect 3.5 million z..., buy everything we need and send it to the front.

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this is such a benefit! instead of buying a new heavy mattress, order a perina dream life mattress and enjoy your quality and deep sleep. sperina dreamlight mattress. call news on the air espresso, i'm khrystyna porubiy, i'll talk about the most current at the moment. two people died as a result of enemy shelling in donetsk region, 18 more were injured, among them two children the boys, aged seven and nine , were hospitalized, the regional police reported. at night, the russians attacked kostyantynivka with the smerch missile system. as a result of the strikes, the administrative

building was damaged. and power lines too.