and now the situation has stabilized, because we understand that this includes foreign currency deposits. and in general the situation with the currency. how this issue is resolved, that you offer customers, it is not necessary to attach great importance to this issue. well, i can say from my bank that we have hmm uh, only 1 million customers have at least some currency balances, and significant currency balances are more than 10,000. there are 100,000 people in conventional units, so it really was, uh, february march, uh, a period of such turbulence, yes, when people were very worried. there the fate of their foreign exchange savings. today the situation is absolutely stabilized and normalized. so i think, in general, uh, in terms of there uh indicators of the country. i also think that there are some significant currency balances. well, we have, well, no more than a million people out of 146 million people. that's why, uh, there is

a great demand today for uh, the increase, as it were, of currency balances and for the purchase of currency, we do not fix it in our bank. people just keep their savings. here, in those foreign exchange deposits and currency balances that have remained, indeed , there are difficulties now in general with the russian banking system in making foreign currency payments. but these are objective difficulties, but i must say that , er, there is a special demand. yes, uh for currency no, currency transfers currency transfers. well, for example, our bank in particular, you, uh, others. we are launching now. uh, currency transfers in soft currencies. well, first of all, by country. cis they are already working. uh, here, i think that by the end of this year we will have a much wider availability of this kind of transfers and will be available not just transfers from card to card we directly by mobile phone number. that is why , of course, customers will receive such opportunities. reducing

the key rate is, of course, a plus for the mortgage market in particular, but a minus, probably, for a savings market. yes, tell us what expectations the focus is to save or, of ​​course, it has shifted more into a deposit into simple, understandable deposit products with a guaranteed return. here at the level of rates that we had in march at the beginning of april here, of course, it was a very profitable offer, very comfortable. so this is demand. that is how it is preserved. you don’t observe a decrease in client activity here, and i’ll say more about the key rate cut that we have a huge increase in the ruble funds of the population and the ruble funds of citizens. i think that this year we will have a total aggregate there, according to our bank, it will be about 600 billion rubles. this is a very large amount. here, too, in the market. in our country, the ruble savings market as a whole is aloof by at least 18-20%, e will grow. so you're talking about saving behavior, huh?

saving rubles in rubles in deposits in rubles is what the simplest formula saves. uh, the securities market is starting to recover, but so far we do not see much activity from issuers. that is, while i don’t have instruments there, well, new ones that we could offer our clients, but, well, we, for example, a bank, we are now also preparing several issues of secret securities, when we turn over our portfolios, uh, in a security and we will offer ruble, naturally, our clients. but i think that this is already the horizon of the fourth quarter there. then we will see the activity of issuers and a new offer will appear on the securities market. some turbulence will end towards the end of the year in the stock markets. still. this decline continues. well, this is, of course, a process, yes, that is, we have stabilized the situation. here. uh, well standard banking products. here's the doctor. so here are the payments in loans. here's the next pace. of course, there will be a normalization of the situation on the price market on paper. i think it's the fourth quarter. we

will see a resumption. demand of investors for supply in this market, continuing the topic of sanctions, i would like to ask about import substitution in the bank, in particular, about e fintech what is happening there and in general, digitalization and public financial services in russia in general, in very good rankings global positions. here we are in the top 3 in terms of ratings, in the top 5 countries in terms of the level of digitalization of these services, we have not suffered from technological restrictions, because we already everything was done in our country moreover, we are independent in essence. uh, from politics there epla or there from politics? google yes because we have rather good substitutes in solutions. that is, he, who is completely independent of there it-giants of the international. yes, because that's you with the solutions that our bank has today. well, in my opinion, the entire financial industry is also going there. no different from what you had well

in the application, but under the so-called, which you can download. here we even learned through the web interface use all the equipment of the phone. we get access to the camera. we get access to the nfc module to the notebook. we can access through web technology. she's completely uh, invincible. let 's put it this way, yes, that's the impact of the big antigants. here we can say that everything that we could import to replace. uh, import substitution. well, at least fintech fintech. we have completely replaced. we have learned to work with any technique, and not use the technology of applications that are downloaded from the app stores, if you any devices. here, on the contrary. uh, even these situations led to a new push in the development of financial technology. we have qr payment and e-sbpp technologies. yes, we are learning now. yes , the world of pay already knows how to use e to make it possible to pay through phones that run on the

operating system. it's contactless. here in devices that work under the operating system. eos will now be able to make very easy qr payments. that is soon. well , there's still a little left. i think i can't say. yes, you can again have a plastic card. yes , leave at home and rather unusual walk again with a plastic case. and, as it were, she will always be with you as a whole. and vtb, uh, what is the goal for the second half of the year, but we have not changed the goal, here we are growing, we are growing, we are in the client base and in the scale of our activities. and our goals have not changed in connection with all these events. we will grow. thank you very much for the interview. yes thank you.

here lives a non-marconian family that can never choose. what should they watch today? serials, do not switch shows. where no one ever swears? after all, each of them has long had a watch.ru application, which you can watch anywhere and on anything.

art-shelling by ukraine affected the village of novoye yarkovicha in the bryansk region, if the victims what are the consequences of the attack in mariupol , which killed 14 people in march, we

will tell about the facts that have been revealed. at the request of the estonian campaign, our cargo ship was arrested. now the container is in the port. the university is in the port. hundreds of forest fires in the khabarovsk territory experts are fighting the difficult situation in yakutia, we will talk about the situation in the regions. the prosecutor general's office of the donetsk republic revealed some details of the investigation into the explosions in the building of theaters in mariupol. let me remind you that the state of emergency occurred in march, according to the investigation, 14 people could become victims. their remains were found on the spot. currently . all the rubble was dismantled, the basements were examined , it is separately noted that not a single element of an air bomb was found on the spot, but in materials.