but i’m not like that, no, i understand you , i believe you, tell me how it happened, after a performance at the streptis club, i tracked him down, he was with some guy, they went to the sea, and i followed them , then this guy left, and artyom was left alone, well, i went up to him , told him to finally come to his senses and throw this toad, and he laughed at me, his face said that the toad was me, then i took out a pistol and shot at him, where did you get the gun from? i bought it from a bartender i know, but where did you put it, i threw it into the sea, show me the place, i’ll show you, now i’ve got it all anyway, well, at the same time, there’s a bar where the bartender works , which means

he couldn’t come to an agreement with him, well, about the customs corridor to transport drugs, well, sazon decided to dump it so that he could put his little man in his place, well, i couldn’t refuse , sorry, debts, you understand, you understood the handle from a hoe, and not a person, on the way out. you are free, i apologize to you, i feel sorry for the man, he almost went to prison himself and his daughter was locked up, shit happens sometimes.

the central bank is moving towards raising the key rate, what are its goals? when we see a downward movement, where do our new assets come from that are freezing the collective west, is it worth comparing the digital ruble with cryptocurrencies, what is happening in the field of bank lending and how the citadel of the regulator reacts to harsh criticism, we will talk about this with the deputy chairman of the central bank alexei zabodskin. alexey borisevich,

now the main question, which evokes quite strong emotions among ordinary citizens and experts, is why the central bank is taking the path of raising the key rate, what goals are being pursued? the central bank in its monetary policy always pursues one main goal, namely ensuring price stability, that is, low inflation. inflation was accelerating, now it is. at the end of the year, most likely, it will be somewhere around 7.5%, it was 12, it was 12 last year, but our goal is low inflation at 4%, because 7.5 is still a lot, this is really something that hits citizens hard in the pocket, in terms of what level of interest rates, primarily long-term interest rates in economy may arise because with high inflation you cannot have low pro... deposits, they will not be able to attract, they

will charge higher interest rates on loans, sometimes you listen to the opinions of experts, sometimes, unfortunately, including sofa, they think about how the key rate is increasing and loans, including mortgages, are becoming less accessible, is this so? well, this is true, when the rate is raised, the goal that is achieved is some cooling. aggregate demand through the credit channel, the mortgage market over the past few years, it has been strongly divided into two segments, the first segment is market mortgages and it, well, the secondary housing market, it essentially depends on

market mortgages, but in the primary housing market the rates are are determined to a much greater extent not by our key rate, not by the market level of interest rates, but...

comes from, but this again does not mean that the volume of credit is falling, the volume of credit continues to grow, but it is growing at a more moderate pace, and this is a slowdown for now is happening heterogeneously in individual market segments, most likely it affected unsecured consumer loans and market mortgages, but next year we expect that the growth rate of lending, loans to the economy, they will be noticeably lower than this next year, our forecast suggests 5 -10%.

somewhere it’s billions of dollars, somewhere it’s hundreds of millions of dollars or euros, when will it all end? well, look, changes in the assessment of gold and foreign exchange reserves are usually given as if reduced to a common denominator expressed in dollars, here you need to understand

that since the gold and foreign exchange reserves are at least not frozen, at least frozen, they are expressed in different currencies, yeah, then with... for example, the strengthening of the euro against the dollar, the dollar value of the frozen foreign exchange reserves will increase simply because that the euro will be recalculated into a larger amount , and the exchange rate also influences, that is, this currency revaluation is the same, just funds but recalculated at a different rate, that is, no additional assets arise, well, in the same way, since these assets do they exist not only in... the central bank or how would this process

rather affect the efficiency of the bank itself, the regulator itself? of course, the digitalization of internal processes is what affects... bills in digital rubles will be lower than what companies actually pay now for

settlement services in commercial banks, this process will of course be very gradual, that is, in the twenty-fourth year - this is still a piloting process, from the twenty-fifth we will be more actively scaling, well it’s just that everyone is hearing about cryptocurrencies, bitcoins, something else, but the digital ruble. creates competition for these cryptocurrencies, or is this also from a different area, this or this is still in order to secure the savings of citizens, to make the process, so to speak, more transparent. the digital ruble is a means of payment that is convenient and cheap for its users in non-cash form. in fact , the digital ruble will provide the same cheap alternative for current payments in the world. where people are already accustomed to using electronic money, and if we talk about crypto-assets

, then this is really a story from another story, these are instruments that are subject to very strong changes in price, yes, that is, today 10 thousand, tomorrow 100,000, and then you can change the atom, in these conditions they can be thought of as highly speculative.

2020 was actually a steady process of reduction, not in absolute terms of cash in absolute terms of cash in relation to not their cash, what can be calculated exactly is cash, we are exactly we know how many banknotes of each denomination are in circulation and the total amount, but - there has been a tendency to actually reduce the share of cash in the total monetary supply, since the twentieth year...

the return of cash to bank accounts, and we attribute this mainly to the fact that when the interest rate that was, became 12 in august, 13 in september, 15 in october, now it is 16, the corresponding increase in deposit rates, it becomes quite expensive for the population and business to keep excess cash reserves, miss the opportunity to receive this percentage. income and , accordingly, we actually see the return of cash to the deposit, the same thing happened in the spring of twenty

-two, when at the beginning there was a very strong and sharp outflow after the announcement of sanctions, but then when deposit rates moved up following the increase in the key rate to 20%, literally in a month and a half , all this cash returned back into the system, so here the dynamics of the dynamics of cash are very much influenced by the level of the interest rate. based on ours. current to assess the situation, we will need to maintain the rate at a high level for a long time and implement a tight monetary policy, at the same time, referring again to our october forecast, it assumes an average level of the key rate next year, for the twenty- fourth year, in the range of 12, 5 to 14,

uh, which actually means that the key rate is next year. will decline, at what point this decline will begin, this will, of course, depend on the speed of the slowdown in inflation and the reduction in inflationary expectations, we need inflation expectations to go down, then a window of opportunity will begin to open for a gradual reduction in the key rate. every time you observe a tightening of the central bank’s policy, be it news about raising the key rate or some other actions, you observe a direct wave of criticism of the actions of the central bank, how do you perceive this criticism, and it’s offensive for you to read this, if of course you are reading this , most likely, probably not, we read, we read, yes, all opinions are important to us, yeah, of course, different experts have the right to express those opinions

that are closer to them, but from a point of view. to what extent it is able to solve its main problem, we believe that by consistently acting within the framework of this logic, we will be able to achieve a return to inflation close to 4% by the end of the twenty -fourth year. well, ultimately i think that the development of the situation will determine who was right. alexey borisovich, thank you very much for the conversation. thank you.

hello, this is a housing issue and i, victoriapanina, are planning a warm and slightly fabulous project today, remodeling if we have a kitchen like this with a cerker, we will move away from symmetry and this will help us solve many problems. in the kitchen we will place a large sofa and a carved throne, and we will also add a painting. for now , let's get to know our heroes. sunday for the shigalovs is exclusively a family day, which they always spend in the fresh air, absolutely all worries and matters are put aside for the sake of the opportunity to be together, feed tits and squirrels, and just roll around in the fresh snow, parents have as much fun as children, they pulled out a turnip after walking are in a hurry

home to rehearse at the same pace. let’s consolidate, well, seven-year-old timofey is gradually joining the duet played by his mother and father, in fact, music brought together natalya and evgeniy, both studied at the gnessin academy at the faculty of russian folk instruments. i was the first to invite natalya to my friends’ concert. i had an appointment at the salon, but i firmly decided that i would not miss my appointment, and i refused him and...

made the room the most popular, there were very cool, such bright light green walls , very comfortable cabinets, such a criminal there was a room, but a couple of months after the significant date, natalya moved to evgeniy’s rented apartment, they soon got married, now they have two sons, timofey practices karate and chess, tried many instruments, even played the organ, but in the end he chose the block flute. junior gordey is still mastering only a scooter, a ball and the skill of blowing soap bubbles. natalya works at a children's art school and teaches playing the domra. received an award. in the nomination for the best young specialist in the field of culture, the child may not even participate in competitions, but when he comes to my lesson and says: natalya nikolaevna, i learned this long...