manufacturers of good things want and most importantly, but it's best to check. the people's front congratulated on the new year

medics who treat wounded soldiers in the special military operation zone, with the money raised within the framework of the project, everything for the victory was purchased by mobile ultrasound machines and other things that are vital in hospitals, while in moscow children's dreams are turned into reality charitably action tree of wishes for details at evgenia chinochkina. the younger sister olya is the sweetest, well, we really want to fly a helicopter. this is a girl's letter sent to the christmas tree of wishes and before the new year the dream comes true military pilots help the sisters to climb a real helicopter sincere wishes of children are fulfilled by the whole country. how artists, sportsmen, politicians, the minister of defense of russia join from the new year tree. took a chance with the dream of ten-year-old dasha from izhevsk, the girl thought of the pilot's helmet and watch the victory parade from the podium on red square 13 years old, udmurt republic dreams of getting a

real protective helmet pilots to watch the parade on may 9, the grandstand of red square house all we look forward to further on may 9 at red square in the list of popular desires and sports equipment, for example, from the tennis table dreams of ramin from krasnodar, the ball with his desire today was removed by the country's prime minister. mikhail mishustin you know amin i also dreamed. and you are not a table yourself, but a tennis racket is a must. we will help you and your wish will come true someone dreams of seeing a performance at the bolshoi theater or spending a day with firefighters non-material desire meet often a seven-year-old fallen dream of seeing a company, and he saw her even animals fed from the hand the dream of a child fulfilled valentina matvienko yes pasha i am very glad to see you to meet you. well, your dream has come true. what do you like most about the farm? and vladislav from st. petersburg

before the new year decided to visit the radio, as a result, it turned out not just their excursion, the boy went on the air for the first time. i want to thank you very much. i'm really really touched. now let 's not cry together. you gave not just a dream to my child, you gave him happy memories memories of childhood. after all, they are precisely such memories, but they help us to overcome life's difficulties in adulthood in 5 years, thanks to the new year tree , dreams came true, almost 60,000 children. this year, for the first time, the children of donbass also sent letters to the front line. today, gifts are sent not only to children, unf volunteers congratulate doctors, they brought portable devices to field hospitals. ultrasound running machine in a difficult situation. you can put a central peripheral roller some kind of idiot under ultrasound control is aerobatics. thank you

very much for the wonderful wonderful apparatus of friends, for remembering that language gifts are prepared for each physician and are handed over to the patient personally in the wards. the kits were purchased at the expense of the inhabitants of russia as part of the collection of the project everything for victory for a doctor there are no boundaries at all, because for us an important person who is sick and suffering is wounded and today it is very difficult to move our doctors to work, uh, who save the lives of our wounded patients. yes, not only our world, but the population, i say the doctor again - this is without borders, six mobile ultrasound machines were purchased at the expense of collecting more than 800 gifts for doctors and thousands for wounded soldiers by the end of the year, all parcels will reach the addressees yevgeny ochirochkina is. the first prototype of the electric lada largus was presented in izhevsk, the manufacturer claims that the level of localization of this car will be more than 50%. they promise to start production

next year on the electric largus, which will be available in two versions - a cargo and a passenger novelty. appreciated murat zaripov is a prototype battery, and uh in a real production car, there will be a beautiful lining that covers the entire engine compartment. 150 horsepower, a cruising range of up to 400 km, a fully electric power plant, this prototype was developed in record time. short terms. here, all the previous design experience of avtovaz engineers in the development of an electric car was used and all the cars go into series, you know, and there was kalina hellas , you probably know that and uh, well, in fact, the development of hmm experience, it was not interrupted. and this allowed us to start quickly enough, using the existing ones. the development and implementation of them in this car, the prototype already created, the existing platform of a gasoline car, set another

task for the engineers of the electric largus. to preserve all the dimensions and volume of the car’s interior, and the designer managed to cope with it. now the car outwardly does not differ from the usual gasoline largus, but already during the pilot production, the exterior of the car will change dramatically, which will be painted in corporate colors, as well as the interior. and so exactly. they say here that the changes will be the most significant changes, the localization of the car will exceed 50%, all the main components and assemblies will be produced at avtovaz itself and other russian enterprises. and this should guarantee uninterrupted production. in future. everything else is a matter of our contractual relations with partners, which i can think of in the future. in the head and batteries, including localized ones, we are also negotiating with our other domestic manufacturers, so everything that can be production on the territory of the russian federation for this car will be recognized here in the near future. the prototype will still have to undergo a series of tests, in the second half of next year

an experimental batch of electric vehicles will be manufactured, and mass production is planned to be launched in 2024. the first batch will be 10,000 vehicles in morozaripov sergey shelepin zemfira abzalov news, izhevsk sberbank closed a deal to sell a stake in the croatian fort group with a positive financial result, the first deputy chairman of the russian company said alexander vidyakhin. he also noted that by the end of next year, the first branch of the bank in china could be opened. speaking of the financial results of vidyakhin, he stressed that the effect of the introduction of artificial intelligence amounted to more than 230 billion rubles. meanwhile, sberbank's corporate portfolio has grown by 13.5% this year to 18 trillion rubles in terms of a key profit indicator, which is also expected to be positive. in december, i am sure that sberbank will also be well profitable, and the profit will be for the year.

we will announce it in january. eh, but actually , you can probably estimate that sberbank will be very confidently profitable based on the results of the twenty-second year. president chairman of the board of otkritie bank mikhail zadornov called the deal to sell the business unique according to him, the bank's value is almost 80% of the total capital - this is a good result. what can customers expect from the opening in the new year and how is the business transforming? he said in an interview with our channel mikhail mikhailovich hello, good afternoon. well, the completion of the transaction for the entry of the vtb opening has been announced, the price for which the opening is being sold has been announced this is 340 billion rubles. you have been leading the discovery for many years. how do you rate this deal? well, i can say that it's about u, 2/3 u of the letter ryu. that is as the total capital of the group. and

if we take only the monetary part, since the capital also includes goodwill and non -tangible assets. so here's to money capital. this is about 80% of the money capital for uh, probably 21 years old. uh, that would be a good deal even with these parameters, but for 22. i think that, uh, this is a unique result - this is a very good ratio prices and uh, the capital of the group and for us, of course, it is very important, as well as for our shareholder. that e, the assessment was the result of a long work showed such an e, the cost of the group e this is for the whole team, the discovery, in principle, the result of a five-year work, uh, and uh, we are like, uh, managers, uh, the bank of this assessment is definitely quite whether something will change for otkritie bank clients in the very near

future. well, for example, since january 1, nothing will change. we have just approved. uh, the whole business plan of not only the bank, but also rosgosstrakh rosgosstrakh zhizni, that is, all opening groups for 23 years and e, the group will just work according to this business plan. and well , he will already look at how, within what time frame, to transform the business, but for the client. i think many more months. uh, nothing will change and uh, of course i'm calling on clients. uh continue to focus uh on business with the opening with the group's insurance companies. and this is actually how our client base happens. e of the bank itself, for example, among retail customers. last months grows on e. 50-90.000 per month. uh, monthly. uh, customer base growth. and this applies to small businesses as well. this

applies to corporate clients, that is, the client base has grown significantly over the past six months. but when they just announced the entry of the possible opening of vtb , has the behavior of customers changed somehow? maybe you saw some kind of outflow, or at that moment this information will not affect them at all. know the outflow of customers was after hitting the banks information list. here is mars april. and may, when customers were nervous due to the impossibility of conducting foreign exchange transactions, when it was still unclear the prospect of the russian banking market as a whole. that's when there was an outflow of customers and, uh, we worked very carefully with them when the customers understood. well, mostly a mass client, which, in general, the majority of russian banks, alas, fell into the sanctions list. they began to behave much. eh, calm down, yes, and we have already, uh, offered instead of currency products, instead of e-mobile banks working on

certain systems. uh, new uh, action options and uh, client. really good rate our service. here we are already bringing it down. e, the results of customer loyalty and for the twenty- second year of opening, how the bank has made great progress in terms of e, customer loyalty and the desire to recommend the bank to other e customers. so the second half of the year is exactly that. uh, growing customer base. it may be, uh, hmm, not corporate clients, because corporate clients they have their own. in relation to large banks, uh, positive negative under here is a corporate client, he chooses exactly the bank, who u wants to work with in the future. we are here, of course, there will be some progress, mikhail mikhailovich, but still we wrote a lot, including in telegram channels , that you do not support joining vtb, you can explain your position and your attitude to this deal. well, you know, uh, initially. we talked about

the fact that the bank should be privatized. that is, uh, in principle, the sonation itself should have ended with privatization, and uh, we had discussions here from the government there our shareholder, in principle, possibly or e. impossible exactly uh, the sale of the business to private shareholders and in terms of the bank 's results for the twenty-second year. i think this is a potential possibility. there was uh, we can then sum up the results of the opening in comparison with other players. and these results will, er, speak for themselves. uh, it is clear that our shareholders, the government of the russian federation, have their own priorities and the final choice, of course, is theirs. and i'm just here, uh, take care of

ultimate efficiency in business and, of course, the interests of customers are very important. bye. uh, once again, clients are absolutely normal and calm about the upcoming deal. mikhail mikhailovich well, you are communicating with mikhail alekseev, who is to head the bank from january 1. and how can you characterize it, how it is managed mikhail alekseevich is well known in the market; for more than 10 years he headed it not a credit, but a bank, which is also on the list. forming banks of russia and moreover mikhail alekseev last years 2 years, at least he is a member of uh to the supervisory board of the opening, therefore , how can it be, uh, not enough. uh, which of uh, bankers from is known, business and the bank and the group, and he knows e well management and uh, all the features of our business model mikhail

mikhailovich tell me honestly, you already know what you will be doing not yet, while some then negotiations, maybe some proposals. it's too early to talk about it, but to speak, while i and the whole world of the bank are set to successfully and successfully complete the twenty-second year. uh, because in the banking business. ah, deals. uh, some agreements. believe me, they go right up to the last e days of the outgoing year for us, december is a very hot time. how are the litigations going with the persons who controlled the opening before the reorganization of the central bank. are there any chances for success , there are chances and many court cases have ended. uh, recovery of quite large sums in anticipation of the transaction, of which we are talking about all court cases of the right to demand discovery against former shareholders. they were handed over,

or rather sold, because even we already receive them in certain court cases. uh reimbursement. they were sold to the trust bank and on the highway, as on the bank of non-core assets. right from january 1 next year , all responsibility ends. e for getting money for court cases. e, with controlling and binbank and open e persons. e, and. they will continue to work. and i can say that despite the military actions, despite the sanctions. uh, we were able to conclude new agreements with lawyers in foreign jurisdictions, which are already agreed with us treasuries, and in the uk station organizations, that is, these cases are completely are legitimately conducted, uh, in foreign, uh, courts and will be continued, which is now the

opening group, because there is a lot of information in the transaction about the sale of the opening bank of the opening bank, which is now the group of the opening bank - this is approximately 80% of the business groups, but in a group. this is how they enter. e-e is one of the three largest e non-government pension fund npf opening. this is about uh, seven million, and the people in our country who keep funded pensions in the npf e are about half a million corporate uh clients. i mean the employees of the largest electricity enterprises. lukoil e-e of a number of other e-industries and assets, for example, npf - this is approximately 650 billion rubles. this is 20% of the russian pension market. well rosgosstrakh rosgosstrakh life. i don't think it needs to be presented separately either. this is the most famous brand in the insurance market. this is approximately now 7-8% of the insurance market. but russia, but this

is actually a total of about 4.5 trillion rubles of assets. uh, that is, this is a significant part of not only banking, but also financial sectors of the country. so, uh, it's, well, besides that, there are about 35,000 people working in the group now. that is, these are very large labor collectives even for the financial sector. i understand that all these assets will go to vtb as part of this transaction. yes, vtb will acquire the whole. this whole business is not only a bank, but the entire opening group, with what indicators did you approach the deal, what is a financial bank in terms of assets now, opening well, you already talked about the group, look, uh, bank. uh, and by the way, uh and npfs, if we are talking about growing this year faster than, uh, the russian market, that is, our assets have grown by about 12%, uh, over the

year, the loan portfolio. uh, growth, about the pace of the market, and this year, corporate lending is growing faster. and now retail also accelerated accelerated in november, primarily due to mortgages due to good mortgages, which are in great demand for the small business portfolio, growth of about 10% per year and 20% increased liabilities for small businesses on the balance sheet open, but our main goal was to grow the client bases. no wonder i was talking about her winged. that is, uh, the loyalty of the bank's customers and, of course, the financial result, since we are like all banks in march. uh, hit a loss, that was, uh, an objective thing. unfortunately , after the freezing of many assets, our goal was to get a positive financial result without all the indulgences of the central bank, that is, according to international standards. and i can say today with 100% certainty, not even 95%,

that the group will make a profit, and such a good profit. e according to the results of the year exactly according to international standards, that is we will increase capital and, uh, earn a profit this year as well, thus the otkritie bank and the group from the eighteenth to the twenty-second year, despite the appearance or uh, hostilities in the twenty-second year. we have fully earned a profit for our shareholder every year. this result is fundamental for us in this twenty-second year. and how do you work? guys, because by the opening i got under all probably the main types of american european sanctions that you had to change in your work. well, first of all we had to refuse to work with hard currencies. and this is rather painful, first of all, for those clients who were engaged in foreign economic, uh, foreign economic activity, but for large enterprises and medium-sized businesses, this is actually the case. it's very big. eh, part of our

enterprises, but we were able, by the way, to ensure the settlement of rubles in soft currencies and a number of tools. we just recommended them. well, with which banks how to keep transaction passports and a significant part of these clients. we saved exactly in part steering operations. they continue their uh, with us. we have helped many to build. uh, logistics, different from how they did it before, that must have been it. one of the hard things. eh, the second one, of course. thus, our opportunities for interaction with financial institutions abroad have narrowed. well, like many russian banks, that is, here, uh, a correspondent network, but investment instruments. uh, more sophisticated financial instruments. here. it's just that we have, uh, the palette has sharply narrowed and, accordingly, what we we can offer to the client. well, and probably the third. uh, unfortunately, from the point of view of

investments primarily to individuals against the backdrop of sanctions, it is no longer against banks against the rd against certain russian committees. here are investment opportunities. uh, our they uh, also uh, narrowed, but uh, i already said that the loan portfolio. under these conditions, we managed to increase by more than 10 percent. this year, corporate, probably by 15 percent, despite the divaluation of the portfolio and, in fact ,. we, we offer. uh, clients. possible alternatives, both in terms of savings, and er, in terms of d or benq - and. uh, here, just in time for the end of the year. here's an alternative. she became clear enough. and uh, it is clearly lining up and i can say that this year has also become a year not of contraction narrowing, but of growth of

opening business mikhail mikhailovich are you now noticing trends in the behavior of bank customers ? and what kind of clients are we talking about psychic persons. yes, first of all physical persons their behavior. eh, that's enough. uh, understandable by the end of the year, individuals do not increase their money in the banking system. i think the banking system will by the end of the year have about the same amount of, uh, funds from the population. how many had january 1, 22, and people, uh, more than 50, probably billion, or about 50 billion euro dollars in hard currencies. they took either out of the country. e in foreign banks, or put in the cells, or just keep it, er, in cash as a means. uh, no longer savings, but just a potential means of payment. uh, that is, here is a sharp delutization, and their savings

is the second. trend if we're talking about uh physicists, but also, uh, for now. uh, while the choice of investment instruments is still weak, people prefer traditional savings accounts, that is, savings in basic instruments, but uh, despite all the market fluctuations this year, real estate, namely mortgage products, is still one of the priorities. e of the russian population. and it's all over the country. that is, we are not talking about large cities here. this is, uh, the whole country, that is, now, at the end of the year, we see these trends for individuals in connection with this. how do you feel about the extension of the preferential mortgage program, it is clear that for bankers. this is rather good than bad, but still, when the decision was made whether to continue this program or not, there were different opinions, there were opinions that the program

should be rammed or it should be curtailed later, perhaps it should be curtailed now. uh, curtailing the program immediately now at the end of the twenty-two. this would be a very heavy blow to the housing market. uh, because well for us, for example, as for the opening, we are the fifth bank on mortgage market and at the same time. we lend to developers. we have, er, in the loan portfolio the construction of approximately 4.5 million m². housing throughout the country and we are well represented in most regions. e russia so. uh, we realize that would be pretty harsh. uh, stop the market because 60-65% of all mortgages. we are now a body of water. it 's a subsidized mortgage. it's, uh, very large, uh, scale, so the program is actually impossible. you need to stop it little by little

terms? uh, by imposing certain caps on the amount a person can get on a subsidized mortgage, a family can get. uh, because uh, it's still a mortgage. it somewhat artificially maintains housing prices, and the market, one way or another, it must come to a state of equilibrium between the price of a square meter, er, and, er, real possibilities. e people, and de facto both this and next year. it will uh happen credit holidays mobilized. how many vacations have you approved, how popular in general, how much do people apply, yes, for such a service and how much is the financial burden on the bank, we have 1,000 appeals, a thousand, we measure them in thousands. and about 780% of we are already uh, satisfied by fine-tuning, uh, the appropriate uh, mechanisms for working with the department of defense with uh people who are

called up. or additionally, mobilized after september 21 of the current year. uh, this mechanism works, uh, and already among. here are exactly credit holidays approved. well , today it is more than 3.5, probably already under 4,000 cases. we have seen that the last for months, the russian ruble behaved quite confidently and stably, but in the last couple of weeks, something happened, and it began to decline in your opinion. what is happening now that affects the ruble and your forecast for 2023, what will happen to the russian currency next year? well, let's start with the fact that why the ruble is so, uh, strongly strengthened in the middle of the year. uh, russia this year is unique. e, a positive trade balance, that is, the export of goods and services exceeded the import of goods and services, including, for example, tourism and there medical e is about $ 270

billion, i think, that is, half of our actual trade balance is, uh, a positive balance and the ruble, so it kept at very high levels by the end of the year, firstly, uh exports. it began to decline primarily due to lower oil and gas prices and physical gas supplies abroad and at the same time. uh, imports are on the rise. because at first he was just uh, chopped off. here is this sharp growth. e on the exchange rates first. uh, right after its start and uh, then uh, imports dropped due to additional artificial restrictions, but he finds ways through uh. well , through uh, other countries. uh, through uh, the delivery of goods already. ah, self- employed. i mean, uh, import import. uh, finds its way and this positive trade balance, it starts

to decline. plus, of course, an embargo has been declared on the sale of oil and petroleum products. it is gradually taking effect. it also puts pressure on the market in terms of expectations, just the reduction of this positive trading site and inevitably next year one way or another. otherwise we won't be able to keep. eh, this is such an excess. uh, the ruble will be weakened is another matter that it will not be a sharp weakening. uh, for example, for ourselves, uh, in the business plan we have laid down the ruble exchange rate for the average annual next year. there 73 75. e rubles per dollar. eh, and about these landmarks. those are the guidelines. for us, it is the basis of action. next year mikhail mikhailovich thank you very much for this interview. thank you.

deepening cooperation in the cis meets the fundamental interests of the countries of the commonwealth and increases the level of security this was stated by vladimir putin at an informal summit of cis leaders, which is taking place in st. petersburg. the city on the neva, the presidents of russia, belarus, azerbaijan, kazakhstan, tajikistan, turkmenistan, kyrgyzstan , uzbekistan, arrived, and also the prime minister of armenia, they sum up the year and discuss plans. anastasia efimova will tell what statements were made today. the traditional new year's eve informal meeting of the leaders of the cis member countries takes place, as always, at the end of december in st. petersburg, in place of most of the heads.