we pay this ratio monthly e annuitents on loans to income, the lower this ratio, the calmer and more comfortable the borrowers. yes, all the caution of consumer credit, which was inherent in our fellow citizens last year. it also led to a decrease in manual lending and, as a result , to a decrease in the debt burden. that is , in fact, we can say that our fellow citizens for the whole of last year moved quite confidently to the so-called savings model of consumption income , loans were saved. at the same time, people took less willingly, respectively income ratio. we pay the approval of this did not decrease, so the load is at a very high, as a comfortable level, the average value is less than twenty percent. now uh-huh occupancy level. this loan portfolio today is what it is, if in rubles, then how many trillions. and

retail portfolios, being within ten trillion rubles, plus or minus. i think, and in this volume it will change here. more obviously, perhaps express some local phenomena. well , for example, and the resumption of car lending as a consequence of the recovery of the car market. well, yes, now electric cars have gone active, corresponding to the local program of the state. for some products of the population, the market will, uh, rise and will continue to rise, the corresponding part of the population should be part of lending, for example, car loans have taken our, uh, government course to restore mortgage lending. in general, for development well-proportioned industry as the main rhythm and the main locomotive of supporting economic activity behind it, respectively. eh, mortgage baptism has reached out. therefore, i think that these or other products will be developed in connection with precisely local economic manifestations. whether it's

car loans, whether it's a mortgage, or how would any other economic sector guarantee. here you are talking. the system rests on conscious borrowers. yes, you must have. uh, some 100% score. here's to your credit history flawless, and you could always count on a loan, different banks have a more pronounced risk appetite, that roughly speaking, someone tends to be more risky, not slope, but certainly hmm, that is, someone makes more stringent requirements for the borrower. someone no, of course, but if we pass the language of more or less understandable meanings , we still have a personal credit rating for a long time, and a universal measurement of the quality of a credit history. we always talk about looking at ourselves through the eyes of banks before this, how to serve credit application. what does it mean to actually know your personal credit score? this is exactly the same value, well, plus or minus, and which banks evaluate. and now

they're talking. oh, what a good value it is. what's bad? can you say? that the average value of the personal credit rating of existing borrowers now is 612 points; we have a scale that goes, in my opinion, from one to 1,000, that is, a little more than half of 112 points is an average value. therefore, if you have e, the rating is 612 points and higher. and yes, it can be considered good value guys. yes it is. it's good, but borrowers can safely apply for a loan, of course, hmm in different loans. i think this, by the way, will also be interesting. and with what rating value can you safely apply for this loan? well, for example , the consumer value of, uh, personal crisis rating with a consumer loan is 523 points, that is, just a little more than half, just a little. yes, that is, with this ball you can go because of this loan. and here, for example, is the average

value of the president's personal rating mortgage borrower 712, do you record data, uh, related to what is there, let's say, how many? borrowers' ratings are falling, those of whom are rising. eh, here you are observing some trends with these fluctuations. we look at the average value of all ratings. because if you and i can't track everyone, it's impossible for us, but it's not necessary for us, just the value of the average personal credit rating throughout the system is a key factor. eh, if it can be cut the credit health of all existing borrowers and that its fluctuations in this context are both for us and for lenders and for a-a regulator, probably the main factor indicating that something is wrong or better health is behind this value. of course, we are looking at how it is now very well, but very well. i am not afraid of this word. we

see, in the regulator's reports, that there is an average default? so it is possible, that is, the delays in the portfolio are low and the regulator has repeatedly noted. elk that no systemic risks associated with e delinquencies in the field of manual lending to the banking system is not, it is experts recommend to citizens. check your credit history at least once a year. do you agree with this assessment, or do you need to do it more often, in general, what other subtleties are there that you need to follow in order not to lose control of your credit history? i do not agree, i do not agree with the fact that we want once a year, and i do not agree categorically, this should be done much more often. it is at a minimum, you need to contact and check your credit history. before each one desires to submit a loan application to make sure that the credit history of the errors. no. this is done through the personal account of the bookmaker. it literally takes 1 minute to work on your home computer, but there is a second factor that encourages and, in my opinion, makes

it mandatory to check a single history more often, and compromise credit fraud, personal data, as a rule, leads to the appearance of loans taken for passports, but not suspecting anything. uh, people, that is, the system does not contain any , you know, there are red flags, there are signalers, to tell you, i'll tell you, that's where someone manipulates your personal data, just about such a system. i say control and make sure that the lender does not appear there, so to speak, in fraudulent examinations, then unconditionally write off. uh, this will not cause any difficulties, but the lender will lose money, the lender will lose money , firstly, and secondly, you will lose your nerves and time, therefore, either check there once a month, and look at the credit history that it is not there. loans, or use, and take advantage of the so-called fraud protection , which we launched in the same place in your personal account, and

by subscribing, and you will receive online notifications for each loan application received, for each loan you have recorded. it is clear that this will not save 100%. well, at least , a signal that a request for your credit history has come, or submitted on your behalf, and an application for a loan will give a chance to contact the creditor proactively and prevent it. if we are talking about some period of time, but even if you missed this period of time and the signal that a loan has appeared, a will inform you from the earliest of all that it has appeared, at least write an application for the paring of this loan to us, or directly contact a statement to creditors that this is some kind of history check that is not yours, or that a subscription to the ussr just saves. your time and health, what can be a philosophical question? and now, often.

do you hear what? well, here we are hooked on loans, what is it? in general, not quite in our stories. it doesn't, uh, fit into our identification system. what did you say? i would agree with you that the question is philosophically competent use of loans. this, in my opinion, is useful and, uh, it’s convenient to talk about getting hooked on the needle, well, in the end, we make decisions about a loan ourselves, and the more competently and balancedly we accept mine, the more joy it will bring us that purchase with the help of credit funds. and the less problems this loan will give us and the inconvenience in the future. alexey alekseevich thank you very much for the conversation. thank you. this is bad.

the biggest dream is that children never take up arms. this is your biggest dream, like you open it so the goal has collected there is no more bar here. there was

only a fight. we took the port, and we were driving in the morning and we saw a mother with a child in a stroller. she also carried a terrible, terrible sight, when everything is broken, everything is in fragments , a mother with a child goes.

we left on the alarm. kentra eight was a direct hit nine-story building climbed to the ninth floor with nachali to dismantle the rubble, there the ceilings got in. everything is completely, that is, the hand is dust and dirt, you can’t

say at all that it was once a living space. i saw a child who was hanging in the air, that is, her head was pressed, she hung and moved her legs, but i won’t say that she was crying, it was more like writing such a breath. so i climbed into this opening. well, i slowly figured it out. i remember what i said, god help me put my hands like that. all right, i'll take it out of there. initially , they did not say what the fracture implies. the base of the skull, but as i understood it, thank god it was not, that is, it was.

moreover, you understand that this is a child. which in my life has not done anything bad to anyone yet, the sun warmed up and he ran already when i was discharged from the hospital. i collected a bunch of gifts and went to their house, they played on the playground . i went out. they were sitting with their grandmother, grandmother, and grandfather. i called her christina, she went to me like that, i took her in my arms. i can say

it will be a very strong generation. it will be a very good replacement. to us they are school have passed and will pass. god forbid that this all ends quickly, because children cannot grow up like that. the child should be happy. first of all, they must be saved, and then you can hug, kiss and everything else. and given that i myself have had one child for three years, the second year will be born before me in a year. it's

hard to see children in person. there they see you and somehow at first, yes, a small stupor, and then, sincerely, everything is like that, well, we met the mother on the very path and even mines. well, they react to us completely differently. at least it seems like they are not very cheerfully dressed. we went down to the basement. and when it hit very loudly, my grandmother wanted me to hide quickly, we had 11 people in a two-room apartment. and these were friends, parents, grandfather, grandmother. dad and mom we have me in the garage, and there my grandparents and i hid, the shelling was already very strong, and our village was completely

destroyed. there was a lot of smoke everywhere. we went into the basement and there was such silence minute we were all so worried, because we were already used to this shots. here are the shootouts. and here we are sitting, we just all fell silent, just silence. i'm just running outside the car to apologize. everything around is glowing, you can hear some explosions. here i am, i just run into the basement and sit down. like this on the table, i look at my hands. they're just shaking right now. run dogs about the girl military children in the war, they are all the same, they all want peace everyone wants to eat everyone wants to be calm and not be scared. here that's all the basic things kids want, they don't need a toy, they don't need a toy. there's some kind of

entertainment all the children in the war want one thing they want to end. military pharmacy adults think differently, but a child is a hallmark of a child of war. this is again food, water and the desire to survive. he

does not want to go anywhere. he does not want to part with his mother and does not go anywhere. here they live in these villages, where they are still there. arrivals, where there are still explosions of shells, the noise of shooting somewhere with a machine gun . come on, bye-bye, it starts in the basement. run. come on, i understand, everything, run, my children may find themselves in the same situation , that is, that's why i'm here in relation to the people i have encountered civilians always represent, and how would

my relatives be, do not miss events and people weeks on the central television of the russian air defense repelled the attack of ukrainian drones on moscow which ukrainian drones can reach the russian capital and how many such devices are in service with the elections in turkey ended erdogan's victories, what problems does this threaten the west, which made a bet on the opposition leader and lost beat the blood of christian babies this is no longer a horror story from a horror movie, but a completely legal means of rejuvenation available only to the rich and famous. how many vampire millionaires already live among us it will be your central television on saturday at 19:00 on ntv military police premiere tomorrow at 20:00 on ntv pentalgin extrigel, it contains the highest dosage

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. i love my sister very much and miss her. but the most memorable case, i carried a child. well, not by myself with the guys. yes he was wounded he was eight years old, his name was mikhail , so i remember, even as now. well, find me later, then there was a very memorable incident. there

is such a sign that if you tie a white thread on the white apple tree and make a wish, then it will come true for us that my uncle, my brother’s mother , will be commissioned, he is kind and beloved to me. there is one more desire that the russians be defeated and there would be no such war.

doggie that i waited for them for a very long time and my god in them, so that they would be alive and healthy, and then they would come to visit me. i to them came, and so i became the daughter of the regiment. i miss him so much because they are like family to me.

the soldiers returned home alive. i do not remember.

petals of vitamins that are torn at the touch or from what or from the sound, most likely it is minutes. neither in ukrainian it can be of different colors, both green and earthy and sandy-looking petals - these are ukrainian shells. what small grenades look like green butterflies, in my opinion, the size of somewhere with my palm. uh, the colors match the leaves and they look basically like leaves or petals. this is nina, only this is not unusual exactly this is exactly what you step on, and she immediately explodes the usual one, you step on the mine and until you become with him it explodes. on this day, we were engaged at

the training ground, we heard a pop, a gap. then they heard the screams of children. the children screamed and asked for help, this was the first time, because they imposed it out of fright and i don’t argue. it was most important for me to ask the child, i don’t know the rest, the boy was in shock, then he screams, give me a drink, then he lost consciousness, then his eyes rolled up scared. what is there to say? well, i myself understand that everyone was very scared. well, i walked up to one of the kids. well , he lies in his blood, so that he can fish and flow, he calmly told well, let's go, i'm looking at everything, my friends are lying. there we lie in the head, making noise, talking, blood is flowing, telling us what to do. well, in the panel they say, here you are. well, i ask, how can you need something else, he says, no, he says, i don’t need it. you - says, look how

my friends are doing to them. help to find out what they need here you were shocked. how would yes a child with well-consecrated feet thinks not of himself. well, what about your friends and why children? why children? they just live their lives. they are kids and they don't understand. they want to enjoy every day. i stopped being afraid of fighter helicopters at first i was afraid of rocket bombs when a helicopter or a fighter jet or even tanks fly. now i don’t even pay attention to it and now it’s like before. and now i'm used to explosions. it

no longer sounds like something especially terrible. well, it doesn't twitch anymore when you hear, i probably stopped being afraid of arrivals, because it’s not so much pulling from them from all these loud sounds, when the doors back and forth, stagger before, there was a feeling that here they were. now the plane has somehow got used to it. well, well, when there are arrivals somewhere, we get scared. in the fourteenth year, i was 11 years old. since childhood, i have watched all the shelling, all from the horror of war, and my sister was born in the fourteenth, the youngest. i was quite often afraid to go out for

a walk. he's in the house i wanted to go, of course take a walk, but could not, because it was just scary. i signed a contract 18. i went to serve because i wanted to go to protect my relatives, my family, my home, my mother reacted very negatively, because she, like any mother, worries about her son. she was very worried that full-fledged hostilities would begin. and they will take me to the front. here's how it basically turned out. here, and the father, because he himself is a former military man, and he saw it all. he knows how it is here, how everything is happening here, and he is also very strong. worried. this is the place where

the basketball court was born, the school is behind it, that is, here all my childhood has passed. this is probably the place where this war started for me. i took a lot, childhood youth did not have such moments that other children who live in peacetime have. it's normal to go to school there, it's normal to play sports and walk quietly on the playground with your friends. no,

even to say, it’s very insulting for all the children, because and here are the children, they don’t care at all which are not to blame. but what are they to blame for, that the adult did not share something, why should they grow up and see all the horrors. ukrainian troops stole my childhood from me , stole from me my youth, so to speak. not just go out even walk with friends.

they parted very early and had to stay at home all the time. well i don't know how happened to be playing. now we remember these moments from childhood. i decided that somehow i would help. well, to the guys of our fighters, so that they contribute more quickly. well, that is, we have victories so that we win faster. naturally, i watched various films there about the war, some yes, and videos like uh. there were different children there, uh, the sons of the regiment, well, usually the son of the regiment is the daughter, while i have never heard or seen the film, and the son is the floor. like, i just wanted to. i decided to go to the service to help a lot. yes, now i am in mariupol once again

come to the monetary mission. already, probably, so-so. here you are, they say, thank you so much for coming to help. i have many friends who were in mariupol, they told me yes, and i myself saw who lost. their parents, mom and dad, were nailed something else with their shell, and this is the hardest thing for a child before easter on april 23, they drove into one area in the city center and saw a little red-haired boy there. he was very much frightened. he dreamed about easter, but he thought and told his mother, uh, most likely i won't see this year this pasca met by chance and just

brought a whole set of candy package. and here they gave the little ones. well, that is, somehow we got to know each other, then i began to come more and more often to him, he constantly waited, waited, waited , waited for me. here are the drawings i made. all sorts of fakes, that is, they became very close, he fell in love with me. i fell in love with him and we still talk to this day. this is and this is us all together.

from three years there to 12 ran hungry we were driving. and that's what we had with us there stew cookies someone some chocolate bought myself. well, they gave it to them, because they directly asked, but they are uncles there , you have something, of course, they gave everything and did not regret it, because, well, how? well, children, this is generally sacred. well this is our future business, the children had something to get. i have a very economical mother, and we kind of ate once a day. my brother, for example, lost a lot of weight during

this time. i saw that my parents were emaciated. i saw it, so that in any way we had enough. we didn't know how long it would last. went in sets last year. here next time go in june. go to the sea, okay. we all write you down on the sea of ​​all. and today there will be another trip for a month. well, not only one trip will continue all summer long, and we will no longer go to the crimea. but you want to go to gelendzhik, well, will you go? they just

grew up in this war, and they don't see anything else. they simply do not know childhood, they do not know how it is possible to walk in the sandbox near the house and are not afraid of shelling. don't cry, it's okay. do not be upset,

you see, dad is living on crutches, everything is fine. we slept mom back to us the baby was also injured. well, the girl was very courageous, because the spine hit the lower back and got stuck there, well, it didn’t hurt much. and so we arrived, just in time for the girl. we are mom because when you arrive.

even if it is impossible to at least give hope, promise him that everything will be fine, that you will all end soon. although i understand that the fighting is still ongoing is unknown. how long will they last for the family for all their relatives. woman. one lay, probably, a week and a half not to lie. maybe even two relatives there then came reburied.

and now this is the most scary thing for me, what is the memory of a person. some just don't even know yet. what's happened? when i see parents with children there, it’s not primarily a pity, because i can’t imagine standing with children and seeing a man with a gun, and you can’t do anything. it's horrible. they are older. they are fully aware of the situation, what is happening, how it is happening and what price is paid first of all for everything that happens first. cars then i broke it, then i kind of entered the real world. and realized that the type here

is more interesting than on the phone. people are dying on both sides, and it's like, well, everyone is feeling bad about this war. in general, i dreamed , like, when i grow up to go to russia to serve in the army. well, now you don’t have to go anywhere . the first military lives that i saw were

russian. the machine wanted to draw just hang and watch. drawing before the liberation, we were all taken to a concentration camp. i was 4 years old. i already buried my little grandson, i lost my son, it hurts when you give life, but in the soul they have preserved youth.

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. it hasn't flown to me yet. well, i wasn't afraid walked around, calmly there. here after arrival. i'm even afraid of bachov here. at 8:00 in the morning they held a guard shift, uh, the area was shelled , the arrival was already audible. and somewhere in the region of part a-a through this window they saw a table of smoke in this building. we were at the front of the unit , the arrival was heard. we heard the cry of a woman. she asked for help.

uh, i had a very huge hysteria, we ran inside the apartment and saw that there the boy was lying on the bed and his face was covered in blood , his hand was in blood. i have an explosive injury. maybe there will be no sensitivity maybe finger curls? well, the length. for example, i can’t even have a small forefinger, i can take

it away as much as possible. the face was visited by fragments. the fragment pierced his arm. medical assistance was applied . beds, and we just gave him ammonia, because he directly lost consciousness, we saw and had conversations with him so that he would not turn off, basically the main thing. and just the initial part of our promptly called, who drove up to the house. we transported carefully. e boy with mom last car. then they went to the hospital. the main thing is that we save the child and that's it, thank god it's good. when

i saw the city, i wanted to crawl under the table, all the big houses near the drama theater were burnt out, they were beautiful, very illuminated, i remember there is no drama theater. in general , war is a terrible thing. this is what i tell everyone. in fact, they gave us the bread of the field kitchen. we were fed once. help children who have no homes. just a man

who is not at home. he just stays without nothing. i wish that everything is fine with you, and that you have never seen such a war already . this is real horror. never make such mistakes. are people suffering do you think? think only people suffer, and people are the most important thing in the city. what city without people is not a city. i wish the war would end soon. i would return the lives of dead people, because because people are important without people. it can be said

that if there were no donetsk, it would return the lives of the dead people, because they do not deserve death, they are not to blame for anything. to they didn’t shoot anywhere, well, so that everything ends , so that everything is fine, so that they never die, grandmother, grandfather, mom and dad, so that we have water, food, an electric guitar. i really want to get it so that the double ends. i think that if the war ends, everything will be fine. i would like to change so that no one ever ever quarreled. i think now everyone has no one to ask now. that's the first thing that comes to a person's mind first thought, just silence calmly

go to bed in silence. woke up calmly. sounds i want people to be happy and i will stick to this goal maybe after the war. if everything goes well, i will go either to the crimea or to sochi there, maybe i will buy some land and build a house there. that's where i want it to end quickly, because i'm saying that it's scary to go outside with a child. and it's still a child. well, my daughter is still small , and she, as it were, at least still doesn’t understand it all, i want her to somehow miss it, well, so that the war ends quickly, and she didn’t know anything raise a child, raise a child. that's how my parents raised me, and i would like with this child. well, so that this most

important thing dives, so that the world comes, stop losing your children, parents. it's scary when parents bury their children, only the world wants nothing else. this money is wealth. it's all about earning. it is possible, if they give peace of mind, and the world is hard to earn to live to survive rather, it is so far that the most optimal. well, to survive on my own to return home alive and healthy, and to have a family with me and that's it. it was ok. the sun of golden darkness was hidden by a veil, and

again the night will pass between us, a clear morning will come, i know the happiness of you and me.