questions and join the discussion, spend the final monday evening with us and confidently step into the new week. the new week project with khrystyna yatskiv and andrii smoly every monday at 20:00 on espresso. vasyl winter's big broadcast. two hours of air time, two hours of your time, two hours to learn about the war and what the world is about. two hours to keep up with economic and sports news. two hours in the company of favorite presenters, presenters who have become like relatives to many, as well as distinguished guests of the studio. events of the day in two hours. vasyl zima's big broadcast. a project for smart and caring people. espresso in the evening. the information day of the tv channel continues its work and, as promised, we are adding oleh penzyn, a member of the economic discussion club, an economist, to the air. mr. oleg, nice to see you. i am

also sincerely glad to see you, ms. marty. mr. olezh, since october 1, pipi transfers have been limited, but by the way, i will tell you that people who officially have a profit of more than uah 150,000 have a higher limit on the possibility of transferring funds, that is, if i am correct i understand, then from the financial institution, which actually exists, that is, if a person there uses the services of one or another bank, then this or that bank, he also has his own discretion. do you make any specific corrections, is it possible that i am misunderstanding something, you understand everything correctly, look, it is just that additional powers and restrictions of financial monitoring that are in the bank have been added, that is, at the moment, financial monitoring has received additional powers to monitor operations during the month from one bank card account on the amount is more than 150 thousand. but if you are a person

who, according to the data of financial monitoring, has a legal income that can be confirmed, which exceeds this amount, there will be no claims against you, by the way, financial monitoring also clearly monitors those people who have the status of volunteers, who collect donations from citizens in order to use them for the armed forces of ukraine in the future, there will also be no... er restrictions, because there are clearly written criteria in the resolution of the national bank of ukraine, according to which you can clearly identify the volunteer. also, i say once again, i did not make a reservation, such restrictions apply to a card account, within the limits of one bank. that is, if suddenly due to some force majeure, some other issues, you need to transfer money in a larger amount.

well, you will have to open card accounts in another bank, and this also gives you the opportunity to open an operation in the amount of uah 150,00 per month. in fact, these restrictions were introduced for six months, during these six months, the national bank of ukraine, er, clearly informed that he is going to continue to propose as regards the improvement of the legislation in this regard. in the direction of working with law enforcement agencies, with the government in order to work out appropriate legislative changes that will make it impossible for some activities of scammers, the activities of scammers, which will contribute to the fact that people will stop avoiding payment through card accounts , what about you? do you think, over time, we may face the fact that there will be a certain limit per person so far... open cards

in various financial institutions, because we we understand, ukrainians are a very resourceful nation, if there is conditionally a limit of uah 150,000 in one financial institution, then a person will open a card in another bank, and then in another bank, and accordingly, it will be possible to bypass it somehow, or we can we face the fact that the regulator will limit the possible number of open bank cards or accounts per person? well, look, first of all , we are talking about the fact that for 6 months, we will have some period where certain materials will be gathered based on the experience of using these restrictions, secondly, ms. marta, i have a question, for you personally, please tell me by how much more your short transactions exceed uah 150,000 per month, well, mr. oleg, you know, i am not ready to say such information live , oh, so actually look, i want to tell you that according to the estimates of the national bank. 98%

of ukrainians of ukraine will not feel any at all, well, i can say in direct text on the live air that my short-term account transactions per month are... much, much smaller than this limiting amount, well, because well, in reality, well, believe me, by the way, one more point, uh, when we talk about those restrictions, they do not apply, for example, to the transfer of funds by yban, so uh, well, that is , when you transfer funds there, well, to be honest, i can hardly imagine even myself, those 150 thousand hryvnias from a transfer from a card to a card, well, if it is some kind of... a big purchase, if you have been saving money for some there for a long time a significant thing that exceeds those 150,000 hryvnias, it will definitely not be a recalculation from the card to the card of an individual, well, it will be guaranteed to be some legal entity that has an aiban, which has, that is,

there are no restrictions on the aiban, please, that is, the bank will not limit any actions of transferring funds to a legal entity, because, actually . you just said about money and about avoiding paying taxes, and i immediately thought of the information voiced by danylo hetmantsev, about the fact that vat will have to be raised, but you know, with respect to the luxury tax, no can come to an agreement, and the main argument is why if this issue is not a priority right now, because from vat you can get funds to the state budget very quickly, as well as from the military levy, but from the luxury tax, well... . it can take two years there, that is, in order for us to get such a significant effect, no, no, look, i was at that peace event yesterday, and i was actually present at that conversation with mr. gidmantsev, there it was a little different it sounded, he and he said that the issue of detenization,

they will simply drag on for a long time, and when we are talking about the luxury tax, the following was said: first of all, what is luxury, well, buying a car? is it a luxury or not a luxury, is it a means of transportation, or, for example, let's say, the issues related to the purchase and sale of real estate, which was proposed to be taxed at an additional 5%, er, it is a luxury, well, excuse me, is it not a luxury, er, that is the first question is the criteria for whether it is a luxury or not, and secondly, how many real operations will be carried out during the month? which will make it possible to dramatically increase the revenues of the state budget, i.e he said, we always compare the number of, let's say, disagreeing or disaffected citizens, who may be affected, and the amount that we can realistically expect in the state budget, and if

this amount is a pitiful one, it's small from the point of view of real income, it makes no sense to affect the interests of a sufficiently large number of citizens. the third point, he said a fairly simple thing, that at the moment, from the point of view of administration and the speed of receiving money into the state budget, there are essentially two types of taxes that will not require any additional difficulties regarding the administration and e on the total volumes of receipts can be quite significant, this is the military levy and the value added tax, so far the value added tax has been abandoned, because it will automatically lead to a sharp increase in inflation, why? because, well , we all know that each and every product that we buy in the store has 20% vat, if there is 23% instead of 20, conditionally, then inflation will automatically increase by 3%, but in reality it will hit the pockets of each of these of citizens by 3%, and

especially, especially, mr. olezh, for those who receive, for example, a state salary, the military levy will be increased for them anyway, by 3.5%, respectively. to earn less, and this, by the way, they have already said, this salary will be recalculated already from october 1, in fact, taking into account the fact that the military levy will be increased. well, look, as far as remittances are concerned, this issue is difficult, because any remittances require additional financial resources. and if you and i see that next year we will have social freezes standards, well, first of all the minimum wage, and i want to remind you that with us... almost all salaries of state employees are tied to the minimum wage, and the minimum wage is generally the first tariff category of a single tariff grid , then this freezing will lead to the fact that the salaries of state employees, doctors, and teachers will be automatically frozen for the entire

next year, and inflation is expected to be around 10% for the next year according to the data included in the state project of the state budget by the 25th year, that would automatically mean that people would be objectively poorer, not even including the extra things related to the war levy, so in this situation it's... well, it's also a pretty serious thing in terms of real incomes, so returning to this conversation that the chairman of the tax policy committee led yesterday, in fact, so far in the draft law that will be brought to the session hall of the verkhovna rada for the second reading, there is no value added tax, but there are sufficiently great dangers that what will it take to to return at the end of this year, if that... the total volume of revenues, which is expected to be received additionally by the end of this year, will not cover the needs of the state budget in

financing security and defense. and by the way, about next year, we understand that the state budget for next year will already be voted on, and yesterday mykhailo tsimbalyuk, people's deputy of ukraine, was in our studio, he says that now as of today we know approximately there is a hole of 40 billion dollars, and accordingly it is not yet known where this money comes from us brothers it is already known that the social security fund should be reduced by 50 billion, as i understand it, it is actually about this gap, which we currently do not know where to get from, how to cover, if there will be an emission of hryvnia, if they will print hryvnia, then what are the forecasts for exchange rate can we expect next year? well, look , when you and i are talking about $40 billion and about that deficit, this is the money that should overlap with... of these amounts, as of

today, it is confirmed somewhere approximately, well, there is not 40 billion, there is 35 billion , if it is completely frank, and from these sums 22-23 billion was actually confirmed, that is, everything that remains unconfirmed today depends to one degree or another on the help that we have traditionally received from the americans. at the moment, no one has yet raised the issue of the state budget for the next year, because now all americans are very strongly engaged in the election campaign, that is, neither the american parliament nor the presidential administration has yet raised the issue of macro-financial assistance to ukraine for the next year, but i think that this issue will definitely be resolved, and i don't think that there will be very big problems with the macrofin as far as... printing money, so i just want to say that we are still in the program with

the international monetary fund, which clearly enough, well, articulated a negative position regarding the alleged printing of money, that is, the national bank will definitely not resort to this, to this mechanism of filling the state budget, well, in general, so that we understand what this printing of money looks like, the ministry of finance issues a specialized issue of state loan bonds, which are repurchased by the national bank of ukraine, and since the national bank of ukraine is the issuing center, that is, it simply adds zeros to its single account there, and this is actually this issue of the hryvnia, then the repurchase of those bonds for these purely conditional zeroes, this is actually this printing, this emission, which no one needs in this situation and which can lead to a real collapse. hryvnias in relation to the american monetary unit to the dollar, which will sharply increase their own

the cost of importing prices in stores, well, you and i lived in such a regime in the 22nd year, then the emission of money amounted to 400 billion hryvnias, then there was no macro-financial assistance, our partners hyped up for a very long time about assistance to ukraine, and in order to repay social expenses, the state was forced to spend very large. actually issue money, in the 23rd year we did not do it, in the 24th as well, in the 25th we are still in the program with the imf, i think that this will not happen again, so let 's not scare people, thank you, calmed down oleg penzyn, a member of the economic discussion club and an economist, was in direct contact with us, but now we will have a break, after which, as usual, the news will be released, and we will see you in the next hour, so stay with espresso. tired of the mess

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greetings to all viewers of espresso, i'm nalnyk, this is news and thanks for being with us. nato secretary general mark ryut arrived in kyiv. this is his the first trip to our capital in a new position. ryute has already met with the president of ukraine, volodymyr zelenskyi. they also held a joint press conference with media representatives. the head of state expressed the expectation that ukraine will receive an invitation to the alliance, and its members will change their position on the protection of ukrainian skies. at the same time, the nato secretary general avoided a direct answer regarding the possibility of shooting down russian missiles over ukraine. however, he said earlier.