[000:00:00;00] to solve specific commutation problems as part of the yolka charity event, the dream of young sergei korzhavin from moscow came true, deputy prime minister alexander novak promised the boy that he would be able to get to the match of his beloved spartak as soon as the new season starts in russian football. well, he fulfilled his promise at the cup meeting with the locomotive sergey had a tour of the stadium, and got acquainted with the exhibits of the spartak museum and went straight to the field along with the main legionnaire of the team, the dutchman. quincy mixed. will, well, these lights, i think just let's take each other, but these uh footballers and leave, well, with fire, it's better for me. it all looked very cool, bright and cool.

stolichny lokomotiv in the final match of the russian football cup with a score of 4:2. how danil saw the game go another series of winter football after a severe frost in cherkizovo a week ago at the second game of spartak and lokomotiv grozny, minus 11 changed to a comfortable 3 ° lower to a, which increased the chance to see faster football from the first minutes of a high pace and goal exchange spartak pressed, which resulted in a beautiful dribble kick mikhail ignatov from the transfer of promes, who spent 200 matches for spartak and received a commemorative t-shirt. he did a good job here. now, if he was noticed the first game was not played in the composition, then he was quietly let down and spent a week on a good good cycle. here is an even higher starting line-up lokomotiv responded instantly. this is anton miranchuk. he got ahead of gq and put his foot under the cross of the prince's tag in the middle of

the first half. judge ivanov did not put a penalty on the chuka, not seeing the violation in exactly the same way as in the episode with the fight against ignatova technique after which scored zobnin i was in close proximity to this moment and i believe that the violation was i clearly saw it the judge made a mistake, but we are all human and make mistakes. maybe it's pointless to discuss anyone now. martin made the score 3:1, but lokomotiv was not going to give up. and again he quickly responded with a double after a shot from outside the penalty area anton miranchuk did for two hungers lokomotiv played enough. but miranchuk, of course, well done! and the fact that i scored two galas for him separately, to be honest, very happy, because we are in excellent relations with him in the end, spartak got the opportunity to take three penalties at once. first they knocked down the promes, then the player played with his hand. elbows. it's just that if i don't

say anything the match is good. i think for the spectators he was generally great for us, not very good, because they still conceded, but the main thing is that victory should always win any match and for confidence it is very important and the overall team spirit in any case, so even more so when you play for spartak to win must show the result. apparently, until quintia scores a penalty , attempts will not be exhausted, and for the third time it is still about meat, it is realized by a score of 4:2. spartak beats lokomotiv in 1/4 of the way to the rvl cup of russia danil makalin dmitry shevelev. maxim devyataykin, the march news will continue the interview with sberbank senior vice president andrey bilevtsev , he will talk about unmanned vehicles , artificial intelligence and personnel policy. andrey thank you very much for finding

the first minute for us, probably the most common question over the past year, almost all companies. everything has undergone a serious transformation , from logistics to relationships with partners, the technological division of sberbank. how this period passed, of course. it was a time of great challenges in a very short period of time for 85% of vendor vendors. one way or another, they stopped working and stopped interacting with russian companies. and well, of course, we had to rebuild a lot there, which, probably, played a very positive role for the escape, the fact that we had long been set a course to build own vendor independent infrastructure and platform components and a vertically integrated product stack down to each specific product that our clients work with, and we have not yet completed everything and we had to speed up many tasks, but for us. the situation did not become

a shock and did not become a situation in which we did not know the answers to the questions, the answers were known , it just began to work dramatically more. one of the most probably big names in the izbera ecosystem, christofari supercomputers, how are they doing now, than they busy? you know what tasks they face . such an interesting story, i’ll say a few words, i’ll probably say the background. er, why supercomputers have become so important again. and this was the last generation of electronics. maybe some of our viewers remember there, 20 years ago 30 years ago there were main, computer centers, large electronic machines. in general, there was some kind of feeling that all this, probably, was already left. well, in the distant past. and that you are so very strange, as it were, well, we heard about some specialized super-computers, but in general, in general, computer technology probably went. eh, that's it, time is in the direction of greater operationalization of standardization , distributed computing, and so on, but for years there is a reverse trend and, first of all

, this is the demand for supercomputers for certain machine learning tasks. here we all hear about the tasks of large language transformers, the so-called gpt architecture models, they need supercomputers again and this is work in sberbank. it has been conducted for many recent years and continues to be conducted and, uh, we even accelerate. now we understand how important this is for technological development, but now it is impossible to develop and train large complex models without a supercomputer, and without their development and training. you run the risk of simply irrevocably technologically lagging behind where the whole world is actually going now. well, speaking of, well, including the hype media buzz around big language models, well the most famous ones today, having this part five, uh, the future is certain. but there are also big doubts. here, as it were, look at, let's say, skeptics who suppose. that not everything is so simple with such

large language models and technologies. we probably look like well- informed optimists. yes, before jumping to conclusions. need to figure it out. it is necessary to apply efficient technologies in practice. here is sberbank in virtually every field of activity. in recent years, e has been actively using the artificial intelligence algorithm of various types. yes, there are different architectures, there are different models, it is important to understand that this is a huge source for accelerating business processes to improve quality. decision-making, we use these technologies in everything related to risk analysis, logistics of interaction with the client, and targeting of proposals in many others. in general, it is difficult to even name the region. uh, our activities where we don't use it. now we were one of those who made the first language models, there is a rog gt3 model that we made, that is, we know very well how it works. but you are speaking now predominantly within the corporate application of such language models. and for say the masses, but you have there from them

voice assistants. you have three pieces, yes , who live in houses and help. uh, we have three voice assistant identities. yes, in fact, technologically it is one assistant. a hmm well, look, for example. we recently released hmm berta five models, which are currently the world's best natural russian language comprehension model. that is, in principle, it’s better not to do it now, according to independent benchmarks. well, that's just a man, while a man still understands, really. still understands a little better, but the difference already directly, well, very, very insignificant and , uh, in each of our assistants. of course , every day you are faced with a whole set of machine learning models by artificial intelligence. if you want to the other side to well actually banking and in this case to online banking. we are talking about sssrtificats that have been issued so far. well, mostly western e, certifying centers that confirm. authenticity of the site well, first of all, online sberbank

dot ru, a encrypts allow you to encrypt the connection and the terms that expire. uh what now it’s really happening, because they said that they would expire and it would be possible only with a russian certificate. they said that it seems like they managed to get new certificates. how are some of your colleagues, including using free certificates, uh, western ones, respectively , foreign browsers can also get access, which is really happening now. well , there is certainly a trend towards switching to certificates of a national certification center, which organizes and leads min numbers. we are our main site. uh, translated to national certificates in the fall of last year. and in principle, we try to support work with anyone, such as reptiles and with a national center, as if there are international certificates for us. the main task is to ensure that all our customers always have the opportunity to use our service and use its security. at the moment, it is fully secured. we support, as it were, all types

of international russian certification, but i repeat, i would probably recommend how every person in our country should take care of to put the certification issued figures on their devices in order to ensure that well, for all kinds of services in any situation, always have the possibility of a secure connection. sberov is such an unmanned division of sberbank as far as you still believe in the prospects of unmanned technologies. if interest or something has changed, we continue to work on it and, of course , unmanned technologies are part of the technologies of the future. uh, i think all companies in the world at one time underestimated the difficulty of achieving fully unmanned driving level for all existing e-cars and natural and urban environments, but nonetheless. it's still one of our priorities. we

passed our cars in unmanned mode last year. 3.5 million km is such an important milestone for us the year before it was just, well, less than a million, except for cars. we started our pen trials with trucks. we see. there are great prospects for russia, a very large extended country and cargo transportation. for us , this is such an important strategic direction. uh, looking at the small form , for example, transport for closed areas, such as hotels and hmm some cottage villages, where public car movement is limited and where the task of achieving a fully unmanned mode is easier. well, when to wait on the streets? well, because last year they already promised to finalize the experimental legal regime, because as i understand it, to a large extent everything depends, including legislation. well , that is, you can’t just pick it up and leave. yes? in what state now is the topic then there is a restoration of the bdp adopted at the very end of last year. it's the end of december, and hmm actually several thousand people have already used ours. by bills and in limited mode there on public roads

, where the driver still insures the car now when using it, well, it is forbidden by law to do otherwise. and we will move in this direction. we will expand it is important for us that we make the product that will be in demand. eh, a client. now this stage of technological development is important that, uh, the people themselves, too getting used to the fact that the car can be an episode of a lot of talk about a brain drain. discos it specialists from russia are leaving, everything is gone, there are not enough personnel. the truth is not true from your experience. well, of course, this quality has been a problem last year has been a number. uh, the good guys who made the decision to leave and are definitely there for every team that has faced it. it was a loss. on the positive side, i will say that there are already those who have returned. well, uh, it doesn't make up for what happened there, but there are people who there, having made such a decision at some point

emotional, but there after some time. uh, they changed their minds and it is important for us that the person is in his place. where it brings, well , the greatest benefit, there are our developers and experts in the dive-size and engineers at all. well , of course, they will bring the most results and benefits when they work on their software products, which are used by more than 100 million people. e in the country. ah. now for the moment. well, such a trend, as if it had at least stopped. i really hope he is would not fester again. and we continue to invest in the development of the guys. we continue to actively hire, we look at the accents of our regional policy. so last year we opened two new technology ups in kazan in yekaterinburg , and we plan to open a new technology within a year. and a hub in st. petersburg, several thousand people work for us. here in different regions of the country. of course, we want to see more of them, and here there are

interesting tasks and an interesting team and making products that can, well, really reach out, there practically to everyone in the country. i think this is a unique opportunity for any, well, modern engineer. well, how far? you are ready to go into, let's say , the goodwill and desire of it specialists, well, also remote work. yes, that's not the case either. just you bank you work with a lot of social network in uh, data. there is some kind of border, where do you allow remote work, where not and how much do you personally feel about the idea of ​​remote work. you probably outlined it yourself for us there are no compromises. from point of view ensuring the safety of our customers. this is our number one priority, so where remote work is not included. in any contradiction with this there us. rolling work from home. ah. we have the opportunity, determined by the agreement of the manager, to choose the days and say, as it were , when you work from home, i don’t see

any problems here, and moreover, i believe that in such a hybrid mode it has a positive effect on the productivity of the team. what's not great? it's probably when the whole team, for example, works together, and someone is separated from it, and, as it were, is somewhere on the periphery. we see that this negatively affects the emotional fund of the person himself. he has no sense of belonging. yes, in the beginning for many this seems positive, but as time passes it is not great, not by chance most of the largest technology giants. even they are still introducing some uh, well, i would say rules that require some share of the presence of people in the office. still, if people do not communicate, they work hard to stay a team. and one more restriction for us. well, in the current conditions , we certainly do not allow it. opportunities to work. well, with whatever client processes it may be, systems abroad. this is also our limitation related to the need to ensure security, therefore, well, we are not ready to provide such an opportunity

in everything else for employees. thank you very much again andrey for taking the time for us, thank you very much. loan potential for business find out the available loan amount without opening an account and documents and get a loan at a reduced rate of 3%. we are trusted by millions of entrepreneurs. at a bargain price experienced mechanics know

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now. restaurant cash out scheme

the central bank of the federal tax service and financial intelligence discovered in november last year. details of the investigation have now emerged. the main thing that strikes is the scale of the turnover of the shadow business in the best years exceeded 100 billion rubles. and verification showed its results today give rbc a comment from the authorities. so far , a rather meager monitoring profile , together with the federal tax service and the central bank of the russian federation , has participated in identifying schemes allegedly related to the shadow circulation of funds using processing services, currently the federal financial monitoring service continues verification activities within its competence in the documents that came into the possession of rbc, the scheme is called quaring breaks, as it worked at catering establishments, special terminals were installed, there were more than 5,000 when paying. through them, money was not counted, restaurants or cafes were traced to the maximum. payments went through several banks, then ended up on the accounts of a tour company, a pharmacy, car dealerships and physical,

persons through whom they later cashed out , it could be not only about tax evasion, but also about laundering criminal proceeds. all this said the competitive field in the restaurant market and put it in unequal conditions. a business that operates legally despite the exposure of this scheme. we will not cancel the benefits that were introduced for the catering sector. we understand that the majority of entrepreneurs are determined to work honest legally, so we will not refuse for a year, but for objective reasons, attention to this sector. now will be increased key link in the scheme was a settlement non-banking , credit institution, russian investment bank on the basis of which an expensive infrastructure was created, own processing of the data center of an extensive network of terminals for accepting cash payments, loyal owners of banks were found. cafes and restaurants often did not understand that becoming a violator of the law, representatives of the industry assure outwardly for restorers. all. it looked

quite invisible, and some people come and show documents that they have financial company and offer the conclusion of an agency agreement. they show that they work with a large number of banks, that they have a multi-billion dollar turnover, that the central bank approves of everything. they say wonderful words. but you know how banks monitor all illegal schemes. look, we have been working for several years. ah. everything, it is absolutely legal, what is known about the key participant of the rnco. the russian investment bank company was registered in 1994. it was originally created as a bank, but in 2009 it was transformed into a non-bank credit the organization by the time the license was revoked in the twenty-first year, the owners were irina ruinedova and sergey lezhennin. the first clients were connected to the scheme by the end of 2018 at the peak in the twenty-first year, the turnover of the shadow business is estimated at 100 billion rubles. and the amount

of criminal proceeds is 8-10 billion rubles. it is indicated in the verification documents that may threaten the participants in the scheme. we asked the lawyers, that is, there are two types of responsibility thomas yes, we have, well, more or less clear. this responsibility to reduce taxes exists. yes, what group of establishments is it here she uses this scheme and, in fact , the tax office reveals that her taxes should be twice as much. well, that is, you do not earn twice as much and she should have twice as much taxes and donal calculate the amount of taxes. yes, include hissing fines, the second is some individual organizers of this scheme, that is, non-participants in the organizers can be after 250 of the criminal code of the russian federation to 250 of the criminal code of the russian federation a criminal case, and a serious term. there may be terms, there 10-15-20 years, which can be threatened with banks participating in this scheme, it is not yet clear, judging by the comments that we received from the regulator, work with loans to organizations that are involved in the chain

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detective. in our news release, the russian army recaptured yet the zelensky formation lost about 600 more soldiers officers 16 armored vehicles tanks in the area of ​​​​the city of khmelnitsky the operational center of special operations of the armed forces of ukraine west with the front line of our enkor yevgeny davydov was destroyed