with epidemic testing, global economic downturn, international market turmoil and so on, and china's russia and china support each other deepen mutually beneficial cooperation in the twenty-first year, trade turnover reached 140 billion yuan is a historical court, and in general, already 12 years. china continues to be russia's largest trading partner in the first 5 months of this year, russian chinese trade grew by 28.9% and reached 65 and 8 billion dollars, and we are firmly moving towards achieving the goal set by the leaders is to reach the goods turnover of 200 billion. well, now i give the floor to my colleague maria kudryavtseva maria anna thank you now in our studio a new guest is the chairman of promsvyazbank peter franks. pyotr mikhailovich hello, a traditional question at the forum site in st. petersburg. how many agreements sign up and what they're about in a good way, uh, and the traditional answer is a lot of them. uh,

because it's true, the forum platform is a good opportunity to meet with everyone to discuss the state of affairs. we have, uh, hmm, several agreements with the regions. after all, we are a federal bank, with a large net. and in addition to all other tasks, it is important for us to develop the regions. we agree, as a rule, on ccp mortgage issues in matters related to all sorts of social issues and infrastructure. well, in particular, this is the novgorod region. this is the leningrad region, chuvashia and some others between in this sense, we are working enough and, as they say, in the sense already in such a way. well option. and of course, these are our the company's partners are large corporate businesses. uh, various authorities. so, in general, the agenda is broad, recently you came, and you started to open a branch in the dpr and lpr. tell us

about the features of the bank's work in these republics. and what are the results already? the main thing is what will be the strategy? what services will be provided to clients first of all? uh. yes, absolutely right. we just recently opened two branches, one branch in the dpr and another branch in the lpr, we are opening within the framework of these branches we are opening. well, our outlets already have about 20 of them open now. and if you take anything, the republic can even be a little more. a. well, at the same time, there is enough growth. we are so active and i think that by the end of summer. well, there by the first of september it will be already about, well, 40 branches, probably no less. moreover, these are not only the cities of the capital, they are also, uh, let's say smaller cities, municipalities, so hmm. we are quite serious here, we have signed an agreement on cooperation with the uh regions with the

heads of the regions. uh, bye at this stage - these are basic products that are primarily needed by individuals. this is account opening. this is the placement of deposits in rubles. this is, uh, the issuance of cards of the e-system of the world nspk world, which will allow e- people citizens without restrictions to already carry out settlements with the rest of the e regions of our country with other regions of our country. a. well, potentially, of course, we will, without delay, introduce loan products, this is a requirement. these are different forms. e work with legal entities. uh, also in terms of lending and uh everyone products, in general, we proceed from the fact that, again, by september-october, the full spectrum of all existing fsb products. e for legal entities for

individuals. it will be introduced on the territory of the republics, and now the clients are only individuals or there are already companies with walking already there is a company, too , i will also make a reservation that this is more about opening current accounts, this company is different, both local companies and russian companies , which are now beginning to work actively on the territory of the republics, including in terms of the recovery of the agriculture support industry, and well the tasks that lie ahead of him . much has already been said about the fact that promsvyazbank is starting to work in the crimea. what are the plans for business development there? quite right, we , uh, well, a little earlier, we also opened two more branches , one in simferopol, in fact, in the republic of crimea and one in sevastopol as a separate branch. uh, so that you are the subject of the same approach, i understand. we

may be here, we immediately go into more densely and from the point of view of lending to various e-industries e and industry defense of the industrial complex, which is in the region. this is a construction site. this is everything that is connected with oil construction and the same with e. well, in general, all the tasks that crimea faces, of course, we also want to be represented as much as possible in the region. well, we proceed from the fact that, too, literally again. here's september, october - this is at least eight points of additional presence in the crimea and sevastopol just the next question is about lending and private. and business, especially in the current difficult conditions sanctions pressure, how the conditions for lending to the defense industry are changing, well, i understand that the sphere is still our key segment in general. this is our basic task, which we have always dealt with. we are even in the most difficult times in terms of the cost of lending. that's when the rate

was high enough. we haven't raised our rates. we continued to finance the state defense order for the enterprise defense of the industrial complex at preferential rates. these were rates e5% and six, that is, several times less than what was on the market. this is our mandate. er, well, we understand the importance and significance of this industry now, eh, but it's still important to note that, uh, we're not reducing our, how to say, non -military industry activity. for us it is important. this is a large corporate segment, again. the same building with the next one. this small medium business has grown across the board. uh, for all segments of the business precisely in terms of lending. we participate in all state support programs. mm individual industries. at in general, here, uh, we are trying as much as possible, how to say, uh, our responsibility, uh, to fulfill, so that all this is

of absolutely great interest in smes, an increase of at least 12% from relative to uh, 21 years old, a large increase in consumer lending. that is, we see that e growth potential is quite large even now from the point of view. here are the settlements of this macroeconomic situation, because the objective rate has already returned, in fact. uh, to the level before the start of a special military operation. it's just getting normal business. as it always is. milos in the work of the bank. after the new sanctions were introduced, disconnection from the swift system other technological solutions that do not help the work of the bank. how do you accept these challenges and how do you prepare for new challenges. there are two points here. we were a little more ready with respect to other banks, uh, that fell under sanctions. well, due to the fact that we have never hidden that we are working with the

same defense industry, that we are working in some difficult areas and there has always been a risk of falling under called secondary sanctions, therefore, while conducting our uh activity, we always took this into account, therefore the loss of our bank was, well, relatively small, we can’t say it wasn’t there at all, because after all we are a living organism. we were built into the system, and in this sense, here we are quite calm. hmm, we went through this period. as for such technological issues, of course. yes, there are nuances. we understand this, we tried with customers very quickly. communicate through payment systems, although again, we had this small e part, because you have always worked more in rubles immediately from the map of the world. and here there were no foreign exchange assets, especially. of course there is. questions, like all banks, are related to import substitution of software. we understand this very well, but there is also. general work from the directives that we

execute from the point of view. uh, import substitution in this in this direction. e, and we believe that this is the work that, among other things, is being carried out by the bank of russia on the further formation of e such infrastructural ones. uh, how to say playgrounds? as also calm the world, as a system of fast payments, as some solutions that will allow us to work with our counterparties abroad on the clearance of international settlements. we support in every way we take part there, and i think this is also a guarantee of such a minimization of some, including, well, expenses on the one hand. and on the other hand , uh, the key to further business development, including in the international format. and now such an understanding is coming that this is all doable. and maybe even this, as they say, will be for the good use petr mikhailovich and how the work of the fsb reading has changed because of the sanctions and what are the plans for this year on projects, we are also here in a good

way. i don’t want to guess the word, but we relied on russian products. from the point of view of the fsb leasing, we have practically no foreign equipment, if not at all, i would say, these are russian aircraft. these are russian helicopters. these are russian ships, so er, they also found their niche here. now i am actively developing the fsb leasing portfolio, as our daughters are already more than 200 billion rubles. and this is far from the limit, because we are maximally interested and continue all the programs here. leasing dry superjets, in particular, for a helicopter attic, a mi-8 helicopter, in general, they also feel quite calm here, realizing that this is even an opportunity to additionally promote our russian equipment to the market and you just need to use it. this is the only way we treat promsvyazbank now

among those loans of organizations that plan to launch transfers abroad through the system fast payments. that is, it is interesting to know some details. which countries are currently being considered? how will this system work and what do you need to do to make it happen? well, as i said, everything is very interesting. uh, a big interesting project, which seems to me to be of high quality. uh, well, in particular , promsvyazbank. despite the fact that we didn't really work abroad very much initially. e. well, for example, such partners as the cis are interesting for us, they are various states. and how can belarus be, how can it be armenia , maybe uzbekistan is our natural partners who can use it, we are doing such work. well, it’s too early to talk about countries. here are some. i already listed, but in a broad sense, because after all, uh, the use of the system. it also

presupposes, as it were, readiness. countries, we are now working on this issue. in principle, why this year we can also actively work out. yes, and another important one. theme. now many russians open bank cards in yuan, how interesting these products are for you and what are the plans for its development, to be honest, i will not hide our product completely. uh, too , we look, while it's more calm. that's different from other formats. uh, because we see that for our customers, who we see it for and for enterprises , legal entities, small and medium-sized businesses. yes, and physics. here is so far. here is a super demand, let's say, in uh, sa is not expressed, and it seems to me that this one also requires again. this neatly spoke of additional elaboration, general readiness. here partners. how do they say this this this this product

e to sell? therefore, while there is more, as they say, we look. uh, what will be the prospect? moreover, there is no need for the moment yet. petr mikhailovich what topics will you discuss on the site? what are the current challenges for the banking sector? that's what will be discussed here is such a general assessment, i think that, uh, i have already held several meetings. hmm, it’s clear that he is so special in a good way, when, uh, in a good way, special, when everyone is colleagues, who meets, who discuss, though together they discuss the solution of new ones. eh, tasks and this in itself unites it in a good way, because here it’s not even businesslike as such, or even an agenda like this. hmm, creating something new, something, maybe more effective, more positive. well, there is one like this.