and the design of the survey, and the beginning of construction. and now in operation, so u twenty-second year today is characterized. uh, well, first of all, we are coping with the effects of the pandemic, there were times when uh, very uh, tough conditions led to 51 regions halting construction altogether in 2020 . uh, there were problems in the 21st, but in general it should be noted that the program of the 20th year in the country as a whole and in housing construction and the construction of social cultural facilities won, uh and industrial construction. they were fulfilled, therefore. e today. uh, we're just building over 14 trillion a year in progress program. and of course. uh, today the main task is to ensure that it does not stop, because all this will be reflected in the future, when 23 and 24 years old. and, of course, we are few. included, well, a bit of an understatement,

that e output of new projects. he paused a little. well, the high interest rate, and it also played its role in this part of the projects, but the trend at the end of may and the beginning of june shows that in this part of the changes that have taken place. this is an unparalleled support, construction industry, a and investment industry. they give their effect, we see a revival in the number of output mortgage loans. it happened, uh, right here. uh, the end of mine and in this part we are generally speaking with optimism, we look at the future of all programs that are being implemented in the investment budget process. they are in all positions. they remain at the same level. and this means that in this part of the failure no, well, there are, of course, some difficulties. jitter

building materials, but we also see a trend in recent months, and the cost has gone down, that after all this is the locomotive of the industry now the construction industry or all the same. uh, now more support is needed in general, uh, construction morning creates an opportunity to work. uh, in many other related industries, so, of course, lokomotiv is working. ah, the scientific forces are at work. uh, design survey companies work builders work customers executive authorities. that is, uh, a huge army of the country that implements tasks to create capital construction objects of beautiful objects. and generally speaking, all regions are set to uh, the results of these support measures, which uh, happened in the twenty-first year, the twenty- second year happened, uh, the twenty-second year. these are only four antifreeze laws that have passed 360. the government has a number of orders from the ministry of

construction, the ministry of finance, and the regulatory ministry of economy, they make it possible, generally speaking , to ensure the investment and construction process. and as for preferential mortgages, how the program works now and what is important after behind the key rate of the central bank will the rates on subsidized mortgages be reduced? well, you know, uh, the decline has already happened. what do you know up to nine percent. uh, we continued to work with the corrections and uh with the presidential administration, and here it should be noted that uh, of course, we believe that the high rate of it suspends generally speaking and poses some risks to the fulfillment of the national goals of national projects. therefore, this process that is going on today shows that we have begun to revive in this area. this is the end. i already marked the end of my and month and we hope that there is an unambiguous solution. seven

percent would give a more serious effect in terms of preserving the volumes that will be in housing construction. and this means that enterprises of industrial and building materials will work, transport workers will transport cargo. that is, as it were, it will give a multiplicative effect. this is only in the volume of housing construction. housing construction is generally an industry that, e hmm, in which almost 95% of commercial organizations work, so this effect i need this workplace, so we clearly understand that this is an anti-stress measure, it will eventually decrease, and, uh, we will stop there for now, because uh , constantly, uh, in general. the market is in the twenty-

fourth year, that is, what is being conceived today, but is being put into operation. the covid consequences of them, uh, probably, for the most part, of course, affected us. e in the twentieth year in the second half and e in part of the twenty-first year. that is, the measures that the government took, and the ministry worked out the ministry of labor and employment. here together the ministry of finance is not the ministry of economy of the ministry of construction. so they provided the necessary one. eh, volume. uh, it was the influx of labor resources that showed that the program for 21 years was completed, we

, generally speaking, received an unprecedented increase in housing construction in you, uh, the first year and uh, we believe that there is nothing preventing us from fulfilling this program in their twenty-second, and to the consequences of er, those that are high there, the interest rate of the beginning of the year and some changes. we, too, uh, seriously prepared, and just these anti-cristian measures to reduction, including construction. their processes will lead to the fact that we, i repeat once again, look to the future and will fulfill the tasks that we face in the national goals and implementation of national projects. well, why are we continuing the broadcast and talking about what key statements were made during the first official working day of the st. petersburg international economic

forum and, of course, making an announcement, what will we talk about? today i will remind you what we expect today, the plenary session, within which, by tradition, is attended by the head of state, but they certainly talk here about specific industries in particular, but also globally in the whole world economy. and the russian one. well, let's see now what the key rate looks like. let me remind you that at the end of february, the central bank decided to raise its level to 20% in order to preserve savings, then gradually it was lowered by six steps, and now the level has reached nine and a half percent. this is the same figure as in january of this year. and now he expressed the central bank in a note to this decision to tell. why it was adopted in the first place, of course, is that inflation expectations are now decreasing. settlement well, in addition, the level of price growth itself is now gradually in the country, but slowing down, i remind you that the most recent data indicate an

indicator of more than 17 percent, the peak ones were higher and now this figure is also going down. well, according to tradition, the regulator will also make forecasts. what will be the level of inflation in the near future, by the way, on the eve of one of the sessions where they talked about macroeconomics. and these same figures were confirmed, both in the central bank and in the ministry of finance from the point of view. uh, the dates when we will come to certain indicators, so within this year. now the regulator expects that it will be about 14-17%, then there will be a decrease to 5-7% and to the target. this is a salt level of 4%. we will be released in 2024. therefore, now we are talking about such figures, and the number of statements made here is actually huge, but we have already talked about the main ones and are ready to see. now the next session, which will be live on our tv channel, is broadcasting the rating of regions from the agency for strategic initiatives. thank you

very much, dear colleagues. let's get started . and we have a anniversary e, 25 e year of our st. petersburg forum and e, also an anniversary tenth year, we sum up the rating for the tenth time. and during this time, of course, a lot of things happened. uh, as always, uh, this time. there were some surprises. we will talk about them, but the most important thing is the rating shows those trends, those trends, and the change in the investment climate in the business climate in the regions, which is, of course, the main such main factor, which

determines the dynamics of investment, is a feature of this rating. e is that it is unconditional that it was carried out against the background of the situation with the code. uh, and uh, it was reflected in the results. and moreover, it was reflected, uh, ambiguously, but it will be discussed. eh, detail. eh, svetlana vitalevna chuvashiva, i, in order not to take time from us, as always, the main characters are the leaders of the regions, that we do not take time, i then pass the word svetlana more vital with e, introductory e messages dear andrei dear colleagues, and we are already happy, and for the ninth time you are presenting at the site of the st. petersburg international investment forum, and the results of the national investment region rankings. it is very important that the

main share of the indicators that the rating is calculated are surveys of entrepreneurs investors who work and invest in our subjects russian federation indeed, these two years were not easy, uh, and it was hard for entrepreneurs and the region and the government of the russian federation and unprecedented sanctions against. they were accepted by russia and, of course, we also thought about what results we will get again what entrepreneurs will tell us what kind of feedback from business i want to say that the rating methodology is built in such a way that we evaluate regions not by the volume of investment, but we evaluate, and the effectiveness of the work of regional teams of heads of subjects in part of creating favorable conditions for investors and for investments is minimizing

risks, and for investment projects, creating all the necessary conditions and i want to say that, despite i repeat once again such unprecedented difficult times for business and for the regions, the overall integral index, a rose by 10 points over the past year. actually. this is a very significant increase. this means that we have 70% of the indicators by which the improvement rating is calculated across the country. these indicators are the most important thing i wanted to tell. this is the satisfaction of increasing business satisfaction with measures, support by government support measures, both financial and non-financial. that's probably due to the pandemic. uh, we have become faster and more timely to individually approach and fine-tune the support measures that businesses need at the current time at

the current moment and for the first time this year. we saw ratings on a five-point scale in terms of satisfaction. it's 4 1/2 and five five percent. five points is, well, we are valuations are never seen normally in business. and well, as it were, from three to four e's, they put in terms of questions related to satisfaction. i would especially like to note the work being done by the regions, and andrey remchiao is in charge of the implementation of the investment standard in the government of the russian federation, and these are basic, and the rules are basic institutions that must be created and must work in the interests of entrepreneurs in the interests of investors in the regions. this concerns issues , again, of regional legislation that protects the rights of investors. it concerns a direct channel of communication between the business investor and the head of the subjects, with the decision-making ministers, and in one or another

important area, and for launching a project, this concerns issues. e work of the effectiveness of the work of the investment councils that we have created in all the constituent entities of the russian federation and which are headed by the heads of the constituent entities and, within the framework of these councils , regularly meet with both large investors and small medium-sized businesses and promptly resolve, e, all issues that a on entrepreneurs set the agenda separately, i would like to also one of those serious ones. uh, i think the news, and the results of the rating - it's all about infrastructure infrastructure for business. these are roads. we have more than 50% roads. i note that this is not federal, it is regional significance of local significance, inter- municipal roads that today meet the requirements of standards. and most importantly, what we see, uh, the last five years.

our satisfaction with the transport infrastructure business is growing by 15% over 5 years. satisfaction with telecommunications services is growing. here gain slightly less than 6%, but again a positive trend every year. uh, compared to last year. we also note growth. and everything that concerns infrastructure, and for business, these are special economic zones , industrial parks for technologists. we also see, uh, a high increase in satisfaction, and the efficiency of such mechanisms in creating such a regional infrastructure, which entrepreneurs note. and most importantly, where entrepreneurs give high marks for the efficiency of such sites. we see an increase in investments there. that we already have such qualities. in

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signed as part of the st. petersburg economic forum in 2021 june 8, 2022 , the results were summed up the winner of the international architectural competition was a consortium with the austrian company cube hemilbled, the best foreign architects are working with megaline, we are developing our hometown. we develop russia megaline, invest in the future, rehearse. show me joy. this is the joy of 5% cashback on everything. indicators by regions and , well, how to make appropriate decisions here too. and how can we still return, and who and the dynamics that the kind of network demonstrated as the best practice. we had several indicators in terms of access to

and connection to the infrastructure that we had for 5 years during the five years of its rating. this means that we did not take them into account in the calculations. this is a gas to water connection. these are issues related to the lease of land and commissioning. so these are the indicators that were not under control, in fact, they did not monetize with the heads of the subjects by regional teams on them. uh, the increase in time is a serious increase in time. uh, well, for gas, for example, for a month or two we see, yes there, that is, the dynamics for the rest. uh, there are slightly less indicators this year, these indicators are included in the rating calculation. he hopes that here they will also be in the focus of attention, there are the leadership and organizations that provide the connection and we will succeed, nevertheless, together with the business association with the decision makers. here, too, to optimize both

procedures and deadlines for entrepreneurs, for the first time this year, on the instructions of the president of the russian federation, on the initiative of business associations, indicators of force pressure, and this is the interaction of business with law enforcement agencies, and this year, for the first time, such a survey was conducted and, uh, a calculation for the whole country. we have 8% of entrepreneurs complain about a. interaction with law enforcement officers and certain regions - this figure reaches 25-30%. here, too, we agreed that we will present all this information in the context of each subject to the head of law enforcement agencies. this is the ministry of internal affairs, the investigative committee of the prosecutor general's office and the fsb. i hope that, too, but together with within the framework of the investment councils, together with law enforcement agencies, and with business associations from working with the heads of subjects. how can we make sure we have fewer complaints? e on the forceful

pressure of e business and e, despite again talking about a serious trend, the positive dynamics of satisfaction with support measures, business notes, e, a shortcoming. uh, and uh, the inability to get credit resources. it 's high interest rates and, uh, high zoology. this is also a sphere, but which requires here before setting up, and so that entrepreneurs have the opportunity today to fulfill funds, including, on the contrary, well, as it were working capital and invest to launch new projects. by uh, i would like to note, before moving on to highlighting the overall results of the rating. i would like to note, uh, leaders, uh, in certain nominations, in terms of the regulatory environment, the leading positions

are occupied by the tula region, the moscow region, the nizhny novgorod region, the kemerovo region, the tambov region, everything that concerns institutions for business. this is an investment standard - these are questions that just provide interaction with a direct channel of communication with investors, smolensk region, sakhalin region, republic of tatarstan moscow republic of karelia infrastructure and resources, moscow chelyabinsk region, kaliningrad region, tyumen region, magadan region support for small and medium-sized businesses, republic of tatarstan moscow leningrad region, sevastopol novosibirsk region and separately i would also like to note the regions with the most. greater dynamics, and the integral index is the kurgan region, altai territory, perm territory, vologda region, murmansk region, sevastopol khabarovsk edge, and now, if you'll allow yes, attention to the screen and we, as always, will present the results of the integral investment rating

throughout the country. i want to note that this year we have a total of 85 regions divided into 34 groups. as you can see, we have several regions in separate places. yes, they took these positions. this means that the difference in the integral index between these regions is less than one point. well, in fact, this is a statistical error, so we are happy to congratulate the heads of the subjects of the regional business teams. i think with

very good worthy result. despite once again repeating two difficult years, we managed to maintain a high pace in creating an environment for a favorable investment climate for investors. if you will allow me, i would like to say that at the end of the meeting we will hand over such envelopes to the heads of the subjects , and we have presented all the information in the context of all indicators. information platform in your personal accounts thank you very much, svetlana vitalievna, but first of all i want to congratulate you. uh heads of subjects of the russian federations with scores. we see what density really is. eh, very high. uh, nevertheless, moscow, uh, the fourth uh,

takes first place in a row, and this is no coincidence. uh, in recent years, moscow has become a large experimental platform in fact, where new methods are being developed, new mechanisms for managing interaction with business, uh, and uh, not only in the investment rating, moscow has become a leader, but also in the rating and the quality of life of the agency. still, there are initiatives, and moscow also took first place and i can note that e is. uh, well-known enough rating. and in urban prosperity is the eon rating, which is worked out for settlements. he er, there, too, moscow in the twenty-second year took first place. i want to give a few figures just so that we understand what this means. e, moscow e, in fact, the only subject

of the russian federation, which, according to two main indicators e, characterizing the attitude of business, and to the leadership of the region e, to the quality e of the connection of investors with the leadership of the subject of the russian federation, took practically, and the highest place was scored by bouncers, a on a five-point scale. e, the evaluation of the channel investors in the direct connection of the investor with the subject of 4.9. in moscow, this is an almost unbelievable value, the average for the country is about 4%. yes, the assessment of the activities of the authorities in registering rights to real estate and made them the most important indicator on a five-point scale. moscow took. uh has reached four nine tens of percent, that is, also almost five, and if we talk about the number of small and medium-sized businesses, then in

in moscow, the level per 1,000 people is almost twice as high, even more than twice as high as the national average, we have 53 entities per 1,000 in moscow, which is 130 e small medium-sized businesses per 1,000, and citizens. and today, uh, sergei semyonovich could not be present here for quite objective reasons, but there was a stink of chemicals here. uh, deputy mayor, please, otherwise you have the floor. dear andrey iremevich dear words. thank you very much, sergey family, really was able to attend requested i would like to express my gratitude for the high rating and would like to say a few words about our work aimed at increasing the investment attractiveness of moscow as a region of the country. vitally very correctly said that this rating is not just a

comparison of statistical indicators in terms of volume by spheres by the number of investors. here is another important one. you know, i reminded you that it was a live broadcast of the rating of russian regions, but the traveling studio of russia 24 continues its work here in st. petersburg and now its guest is the head hello germany. good afternoon. let's start with the situation with sanctions, how it affected the work and in general in the future, how the plans of the savings bank itself are changing in the current conditions. well, we can say that disabling tracking did not affect our work in any way, because at the time of disabling, we had no more than five percent of all transactions going through the mixing system. we are currently

working on creating an alternative payment system. everything about the country. over the years, we have created two alternative systems. hmm uh spfs, and ours internal finline system, which is connected to almost all major ones. uh institutions clients, as far as international payments are concerned, we are currently in the process of building a new payment infrastructure alternative to the font, and i think that within the next year we will create a fairly effective system that fully compensates uh payment system external limitation as- then it is planned to change ecosystems. of course, russia remains a party integrated into the world economy, respectively, financial institute - is the most important infrastructure to ensure the integration of settlements e on foreign

trade activities. we are now, uh, building with our countries as traditional partners, but already in the east. from the point of view of the payment infrastructure , i can say that, of course, it is not easy either in terms of uh technological readiness, in terms of the influence of our partners from the countries that have applied sanctions against russia against us in particular. and, of course, you need to understand that dollars and euros are the absolutely dominant world currencies, and today we cannot trade with them and serve, therefore, the process of transition and alternative solutions, both logistical and, in fact, the replacement of those dominant fiat currencies that have developed in world trade. it won't be

easy. it will take time, but we're in the process. i think that we will find an effective solution, but sberbank is not only the bank, if you and others have assets, you are planning to somehow sell something, get rid of something, or, on the contrary, acquire such conditions, both of these we uh carefully assessed our strategy and among the three alternatives do not change anything completely change the strategy. or, uh, reconfigure the existing strategy to new realities. uh, part of the assets, we have to get rid of. we are selling them, we are acquiring some assets, but in general, this is probably the answer to the question. where we are moving remains the same, but the answer to the question, how are we moving there?

he, of course, has undergone a significant transformation, and therefore this year is actually dedicated to such a year. uh, significant business restructuring from next year we will uh fully implement our new strategy. uh, everything that happened, of course, influenced the content of this strategy. well, not only in the negative sense of the word. we saw that we had new opportunities for all those technological investments that we made in previous years. they are playing today. the active role of the bank for all these months has not stopped its operations for a single second. we understood our responsibility, and therefore all systems of the bank's accounts continued work and will continue to work steady and stably we guarantee. to all

our customers our reliability and stability and we saw a great demand for the products that we created. and now we are seriously discussing the strategy of the third leg, if we said that before that we had two large parts of our business. these are financial and e-commerce. now we see an opportunity for the third leg of our business, these are technologies, these are cloud products that we offer to the market, and today our solution is in great demand and we see that in the future it will will be a huge part of our businesses. what will be the profit at the end of the year and in general the entire russian bank was very ambitious ; today it is difficult to talk about profit, to be honest , i am afraid that if there is an excellent

result, if the banking sector works. uh, but there is a good chance that the banking sector as a whole will be unprofitable this year. calculate in general for maybe a year, what will be the figures for gdp and inflation in russia, will it be possible to achieve the indicators that we are talking about now, in my opinion, 14-17% are predicted, you know, we our forecast for this year's gdp drop is seven percent inflation below 15% yep this is better than originally predicted gdp drop was predicted at 13-15%, that is, now the forecasts have been improved almost twice today key rate. at what level should it be in order to

allow us to talk about a further decline. uh, which is quite reasonable due to the fact that, unfortunately, as soon as will be. a balance has been established in the export-import market and the ruble will begin to weaken, which is extremely important for our economy today - inflation. unfortunately will be resumed and always very nice to move down, but the central bank. i think it means that it is even less pleasant to

go back to raise the rate, so they are not trying to find a balance between the possibilities of lowering, but we will not return back our forecast that the rate will be until the end of this year. it can reach approximately 7% of points, which will fully correspond to the value of how much credit products are in demand. you know, we saw a big increase in demand, now there is a huge demand for loans from almost all sectors of the economy and citizens. if we talk about mortgages, then we had record loans in march due to the fact that we kept the old conditions for issuing mortgages for a month. we took a very big risk, but we believed that those clients for whom we had previously approved applications.

you need to pay at the old rates. it was a loss for us. but nonetheless. we have taken this decision to save the conditions for customers who have already chosen to live, so in march. there were record distributions. april was a failure for us issuance fell by almost five times. in june, we reduced rates twice and we saw an increase in applications. approximately three times already normalization. issuance it is still slightly lower than the corresponding month last year, but in general for 5 months. we issued almost a trillion rubles of mortgages to more than 300 thousand families in general . for 5 months, 7% more than last year.