a direct hit by shells on a high-rise building in donetsk military provocations of the kiev regime continue new victims new destruction we will tell about the consequences of the strikes. the largest domestic platform for discussing the analysis of trends and the development of modern digital solutions in the financial sector in krasnogorsk is hosting a forum of innovative financial technologies in cinemapolis. the so-called red tsunami did not happen, but still the biden party is losing its advantage. will the republicans manage to win a majority in both houses? in russia, the day of the employee of the authorities of internal affairs on their professional holiday , vladimir putin congratulated the personnel and veterans of the service today

, increased demands are placed on the ministry of internal affairs, you face complex and responsible tasks, i know how courageously, boldly and decisively the employees of the ministry of internal affairs act during a special military operation, stop provocations and sabotage , ensure public order. in the donetsk and lugansk people's republics of zaporozhye and kherson regions. in the whole country in the current year recorded a decrease in the number of serious and especially serious crimes. there are visible results of success and in counteracting organized crime drug trafficking is becoming less traffic accidents and criminal violations by minors. i look forward to further coordinated and persistent work from you, aimed at the prevention and strict suppression of any manifestations of violence, arbitrariness and corruption. also among the priorities is the fight against extremism

by violations of migration legislation cyborg i am sure that in each of these and other key areas you will act aggressively and effectively. vladimir kolokoltsev, head of the ministry of internal affairs of russia, sent congratulations on the day of the employee of the internal affairs bodies of russia dear colleagues, dear veterans, i congratulate you on the day of the employee of the internal affairs bodies of the russian federation, stand guard over the law, protect the interests of citizens, and fight back against crime. not just a job. this is a calling for strong-willed and courageous people police officers in all regions of the country work selflessly and conscientiously worthy, the department continues to be born among the main tasks of increasing the detection of crimes, including in the field

of information technology, the fight against corruption and extremism, the prevention of offenses on constant monitoring of the implementation of the concept of state migration policy and road safety projects. accepted. the measures made it possible to achieve significant results in many areas. on this festive day, in the kindest words, to the address and the veteran, being on the right vacation, they do not stay away from day-to-day concerns of the home department are an example for young employees to share knowledge and experience with them. and now let's return to the phenopolis forum of innovative financial technologies, which is held by the bank of russia in partnership with the leaders of it and the financial market, direct communication, and there irina timoshenko comes out irina hello to you. innovative financial technology of the

bank of russia called kinopolis next to me is the head of vtb andrey kostina andrey lenits. hello. i still want to start the interview with the question of the state of the russian banking system of the russian economy, if you look at the performance of banks, in recent times, first of all, probably, on the dynamics of lending. can we say that the russian economy has recovered from the station shock? can i think, according to even the latest statistical data, that today we have practically reached the level of electricity lending in 2021 and in terms of retail products, mortgages, consumer loans for small and medium-sized businesses, yet lending to large enterprises, including investment projects, but this is also related to the restructuring of our large companies for investments, in particular, for other technologies, and so on, so it will take some time, there is still a level there. below, but in general

, we can say that we have a stable, and stable today, lending flow. and what is very important. we do not have an increase in bad loans. which also characterizes, er, a good state of the economy, when partial mobilization was announced, we saw a drawdown in mortgages and housing deals. and now partial mobilization is officially completed. you can see what dynamics of her losses stops the dynamics we expect further growth, especially those associated with the new year holidays. well, there are a number of reasons, firstly, the central bank did not raise the rate, and this gives. now the outlook is regarding mortgages. uh, secondly, uh, government benefits programs are still going on. thirdly, before the new year, the developers themselves will definitely give some special preferential conditions, too. in general, we also see that all the same in a row, especially. uh, especially the apartments that are already built ready. we even see

dynamics of price reduction, all these factors. this will ensure that the sprouts are here for the remaining months. we will see very high inflation forecasts. it should, of course, decrease from 18. somewhere around twelve percent at the end of the year, but still these are very high figures and this is much higher than the profitability of bank deposits. at the same time, transfer money into foreign currency or into a foreign currency deposit. it's special now it makes no sense how all this affects and such high inflation affects the behavior of bank customers. well, you see, if we take the forecast, uh, for inflation on uh, next year, which is officially often the central bank, it should be somewhere within the five dash of seven percent rate today is 7, 1/2, key so if you say put money in the bank today for a year, then uh, we expect the rate to be positive, but because inflation targeting exists today 5-7 23 and 4%, in the twenty-fourth year.

now, if these parameters are met, then we can say that we have a rate that makes sense in the country money in banks. and i would say it makes sense reliably. uh, and probably for today, i would say calm. what to invest in financial instruments, because the market is very volatile while finances, how actively investors go to the yuan and how willingly banks work with the yuan, after all, a new currency, it is not, for example, a reserve for us. well, as far as i know , today there are about 40 banks that represent such services, e-e to the population, and if we take vtb bank, then at the beginning of the year, and the injection of e on deposits in yuan amounted to about 2 years 36 billion rubles. it's quite a lot and we're seeing a growing interest in nuance. today, as if the more liquid liquid currency of a friendly country represented a fairly large interesting contributor. we see interest, both

from the side of the population and, in general, from the side of the enterprise. they are already applying for loans. therefore, i will think that it will be, uh, the management of russia at the last meeting of the central bank, you already they said he really left a percentage. at the level of 7.5%, how comfortable is this level for banks for the economy and your forecast of what will happen next with the rate, how the central bank will act, there are official 5g forecasts that say that the key rate will be within 6.5 , and the dash, in my opinion, is eight and a half percent. that is, we expect some sharp fluctuations in the next, probably, 12 months. the rate should not be, but it can fluctuate plus or minus 0.5 e, but in general this is enough sustainability is quite comfortable for the economy today. therefore, i think that we are within this level, unless, of course, there are some pro- information trends that may

occur at the end of this year for a repeat. i do not think that the rate will fly away much. outside of their borders, they talk a lot and will talk about cybersecurity. really lately. we see that the number has grown very sharply. cyber ​​attacks on russian infrastructure , including russian banks, as far as dangerous for depositors for bank customers, are you ready to guarantee the safety of their data, the safety of their money and in transfers. bank yes, the bank must guarantee everything, but i must say that, uh, huge, and the growth of, uh, cyber attacks, we february march, they grew by about 30 times, and then somewhere in the tens of times and long-term attacks for more than three days even, but so far not a single cyber ​​attack has led to any consequences, and there was no evil system , there was no data leak. and if we take interests today, even investors would be drawn again

attention to the fact that today scammers use a very simple method of dialing by phone. they say you urgently need to save your money, take it. please don’t be fooled, don’t be fooled, no one calls from the bank, they don’t call the prosecutor’s office, or the central bank. this is the simplest way to deceive the most popular, because banks today such btbs are very well protected from all kinds of fraudsters and cyber resistance. birthday of the opening to the vtb group that is, it will be completed before the end of this year, because a bill has been submitted to the state duma, to extend even before the end of 2016. i can not understand, but the central bank and vtb bank, two participants in this transaction, both believe that the transaction will be completed before the end of this year. we've made a lot of progress. i hope that in the near future there will be news, so the questions are deals or negotiations. they are still negotiating almost the final stage. uh, now we need to agree on an estimate, arrange. i think that this is a matter

of days, and they are even weeks, when we finally agree on the parameters. are there such, well, different estimates? yes, at the cost of opening a group of opening, does vtb have that kind of money and how will you pay from the central bank, otherwise we wouldn’t go to the central bank ourselves, we wouldn’t talk if we’re not solvent, as if no one needs a partner. after staying on his own to exist for another year and a half, and then his brand. there will be a single vtb group ah, well, lately card tours have become very popular, the so -called when russians go abroad open cards, because russian bank cards do not work abroad and the payment system of measures is practically nowhere accept according to you. does this affect the withdrawal of money

for the withdrawal of capital, exactly what measurements are not available, but the fact that the subsidiary banks there, foreign of the eurasian union, uh, changed about $ 7.5 billion of the revolution, says in 12 months the last one will probably come out about the scale of these translations. we work very actively on our customers' ability to pay. we have a number of possibilities. in particular, the presence of our system of our banks. uh, and let's say, if we take countries like kazakhstan there, azerbaijan, we are expanding dramatically, let's say our atm system, so at least a person who came to kazakhstan can go to an atm, which will now be more and more and withdraw cash. yes, we are also working with other methods of qr-code and so on, which could replace the world map, but we can talk about this a little equally, that is, there is still a card payment solution, you can find some technical financial solutions abroad you need the consent of the second party of each state to use that

system, but they are more secure than world maps. and i think that we must find a solution with those states that want to cooperate with you, which are very interested, by the way, including in our tourism, the last question about chickens. damn, but there were forecasts about the weakening of the ruble by the end of the year and in general there are disputes. what exchange rate of the ruble is now comfortable for the economy according to your opinion . well, you know, each course is, uh, comfortable, uh, different for different populations or for the state of industry. we believe that there is a factor that acts in the direction of weakening the exchange rate. this is primarily a budget deficit. uh, secondly, uh, this is, uh, probably an abbreviation. yes move objective income. e is connected with the introduction of new sanctions against russia and a certain reduction in oil production, and we, of

course, cannot factors. uh, will there be, uh, some intervention from the government? yes, there will be budgetary rules, won’t it be if we abstract from this, then we see a plus for us, today, quite a difficult situation on the market labor for us. it downloads, as it were, a labor labor force, so all these factors lead to the fact that, under our assessment, the rate may decrease slightly. in the future this and the first next year , up to well, order, maybe 65 rubles. it’s hardly more comfortable, well, for an exporter, it’s comfortable for the budget to recruit people there, leaving, exchanging rubles for, as it were, for foreign currency, no less comfortable, so it seems to me that at any exchange rate, the economy can find a balance. thank you very much for this interview. i remind you that we talked with the head of vtb andrey pustiny, the studio returns the word of thanks to you.

irina for questions. irina matershinko is important for the banking sector. yes, and perhaps each of us was answered by the head of vtb andrei kostin, vladimir putin gave these instructions following a meeting with members of the coordinating council to meet the needs of the russian armed forces, so until tomorrow the government should provide options for controlling spending on the needs of a special military operation, and the ministry of finance it is necessary to determine , volume and additional support for the regions where a medium level of response has been introduced. in addition, the president demanded by november 14 to bring the standards for what the army needs in accordance with its real needs, as well as to approve the target task to meet the needs of the armed forces during the special operation. in the sverdlovsk region , a russian was detained who was planning a terrorist attack in the administrative building of yekaterinburg, as reported in the fsb department of the region , representatives of the department conducted a special operation jointly by employees of military counterintelligence agencies under searches of the suspect, seized an incendiary device, the defendants have already chosen a measure of restraint.

as a result, a joint special operation of the fsb of russia in the sverdlovsk region and military counterintelligence agencies, in preparation for the implementation of criminal intent, detained a forty-seven-year-old citizen of the russian federation who planned to commit a terrorist act against an administrative facility in the kirovsky district of the city of yekaterinburg, is a supporter of the organization of movements recognized in our country as terrorist extremist actions. he planned to sow panic among the local population and thereby destabilize the work of municipal and regional authorities at the detainee’s place of residence . another 35 people returned from ukrainian captivity to lugansk, the group was accompanied by the commissioner for human rights in lnr. according to victoria serdyukova, two of them are militiamen. the rest of the dpr defended the luhansk republic after the return of everyone

, the doctors examine serdyukova said that the condition of one of the fighters was serious. russian troops are developing an offensive in the southern direction of a special military operation. the 155th marine brigade of the pacific fleet is actively operating here with the fighters on the front line, our war correspondent alexei baranov spoke to the handsome southern direction on the line of contact in the donetsk people's republic the work of the 155th marine brigade of the pacific fleet is supported by aviation, ammunition in abundance , equipment in full set. our brigade has already been buried there, probably three or four times. yes

, but it's not like that. we are always correcting artillery here, directing artillery. uh, we appear when we immediately give the coordinates of the enemy’s equipment to the artillery, it works out there quite well. as if success, we have, moreover, not a small one, the artillery of the marine corps of the pacific fleet strikes in a matter of seconds after receiving the target coordinates. the commander of a platoon of a portable anti-aircraft missile system of the 155th marine brigade talks about today's combat work. after successfully hitting the target , it was under continuous fire for more than 2 hours, being in position, it found a flying target on a combat course, after which the target was captured by

launching a rocket, after the enemy aircraft worked out with heat traps and left already, uh, with its airfield. already the third confirmed target. uh, in our direction the marines of the 155th brigade and in rare moments of relaxation are able to communicate with families and friends. yes, friends and relatives are fine. all his clothes are enough for the winter, ready to go. marines of the pacific fleet are supported and armored vehicles leave the forest of the apc lanes only after receiving the coordinates of the targets. during

the parking, the apc does not even turn off the engine. the crew is constantly in touch and is ready to advance instead of the destination. and this is the combat work of the tankers of the eastern military district. the crew of the t-80 accurately hits the target. yeah soistenok modern station, which is indispensable in the artillery duel of the 155th marine brigade of the pacific fleet , is sufficiently engaged in tying the product to the terrain for further work, it allows you to detect exits. ah, artillery mortar opponents, that is, the disclosure of their positions for further destruction. each building is inspected and then all will be checked by sappers. we look and

the enemy remains in these positions with the aim of destroying or capturing. watching how they behave themselves, behave prudently, i will live in the garden they don't behave very well. here i will destroy your birthday, thigh, short minutes of rest for the marines of the pacific fleet, congratulations on your birthday from your comrades. aleksey baranov andrey yurchuk khalid tankiev lead the south on the line of contact in the donetsk people's republic new year's billion from russian lotto buy tickets here on any trip you need a faithful and reliable companion rosneft the largest network of gas stations where you will find a warm welcome and a profitable loyalty program for gas stations rosneft reliability satellite for everyone

roads of the country rosneft drives us better. the counting of votes in the us midterm elections has not yet been completed, but the alignment of forces. in principle, it is clear that many americans voted for the republicans, and still the success of this party turned out to be more modest. what did its representatives expect? now in the states they are arguing who is to blame for this , some people think that it is former president donald trump who campaigned for the wrong politicians, the topic will continue our us correspondent denis davydov these congressional elections were also called a referendum on confidence in the owner of the white house biden's opponents predicted a red republican wave that would wash away all

democrats. whose position is neither shaky, nor valka, but also those who held out biden, is satisfied. it was a good day for democracy. and i think it was a good day for america. only 75% of the voters, according to the polls at the polling stations, came to vote because they think the country is going in the wrong direction. the mood of the electorate. no biden ratings, minimal background for his opponents. you can’t imagine better, but something went wrong with the republicans, how to explain it country. we have an open border, gasoline prices are flying up, inflation is the worst in 40 years. the president's approval rating is an extremely low crime rate that hasn't been seen since the eighties comes out is the republican convictions. how do you explain that pennsylvania is far from the most peaceful? in this state of america, in the senate, let a politician who has achieved early release for a dozen life-sentenced murderers pass by a minimal margin. this is not

a liberal democrat. won, rather lost republican, host of the tv show dr. who stood trump sign doctor. oz was not supposed to win even within the party elections, but trump came and simply crushed his competitors, support for trump, on the one hand, helps. but when trump is behind you, it can be very harmful to think that the voter is tired of trump. anyone can, but not trump is a colonist. the new york time is sleeping, the former president was furious when he learned that dr. os, which he supports, lost this morning . who advised him to support the recall, including his wife explaining that this was not her best decision, self -checking the rumors about his bad mood. he smiled in the interview, although out of the 330 candidates he supported for this hour, only a little more than 200 won. if they win, i should

get recognition, but if they lose, i should not be blamed, but usually everything happens, on the contrary, my candidates are very good candidates. i think they'll win, but if they're going badly, they blame me for everything, i'm ready for anything, we can defend ourselves, republicans take the house of representatives, but the result is not as devastating as predicted in the senate, apparently they will not see the majority, ahead of the 2024 presidential election and the party is figuring out why the red wave has choked, this is a disaster for the republicans. they need to go further, but i am reviewing all my approaches. this is where trump loses. every year it gets so boring and it creates problems for the republicans at the next presidential elections. in the elections, america that trump could not collect collected in miniature rune florida governor. desantis demolished a rival by a margin of one and a half million votes, such a motley

state, full of billionaires and many poor african american latinos, has ceased to be a swinger, but has become a purple-red democrat. corresponding with his source in florida political circles, he noted that for the first time in 150 years, florida democrats will not have a single person in statewide office in the florida experience. the republican party will no doubt try to nationalize a resource that collects data from bookmaker opinion polls notes how after a triumphant tuesday. the chances of the landing party for the presidency in 2024 have increased. he moved from the first line. it would seem that the monetary davydov and maria egorova do not move the trump.

what does donetska zemlya contain ? i look over there, i have an opponent there, my opponents. women, their children, they endure, therefore they endure, military artillery systems, loaded forces of ukraine literally hides in residential areas in neighboring settlements, painfully difficult work. we have such a protect people we protect, in general, never a friend of very many national

people. in principle, they are called in one word russian. dear friends, i am pleased to invite you to our new edition of the besogon tv author's program, which will be called mine among strangers. i hope you understand why you named our program like that? looking forward to seeing you?

the fifth annual action tree of wishes has started, as the organizers of the application have announced they plan to accept within a month, that is, until december 10, but the first wish will be fulfilled already at the international forum. we are together in moscow it will start on december 5th. this year, for the first time , residents of new russian territories will take part in the project . let me remind you that the wish tree campaign is available to everyone , people who want to do good , grant wishes and give gifts to those who need it. if we talk about the scale of the campaign, then we certainly see growth annual for the previous year. we have more than 38,000 wishes fulfilled, and in in general, during the period of the action almost 60.000. and we succeeded in making our wish come true.