they probably remember, but the banks did not need help from the state during this crisis, on the contrary, they continued to lend. uh, give people credit holidays. i did not say this, but small businesses needed credit holidays during this critical period , and banks provided credit holidays for 2 trillion rubles. and this could be done only by a healthy banking system, the experience of the past year. also showed. how important it is to have our own settlement infrastructure, we will continue to develop it. and how important it is to provide and price and financial stability only on this basis. perhaps the sustainable development of the economy. there was a lot of improvement in people's well-being, uh, the growth of their real incomes, and i thank the deputies for a very substantive consideration of all issues. and uh, the most important thing is probably that

we had a collaboration last year. we have common goals with you, and your support for the adoption of the necessary laws for the development of the economy and the financial sector was very important. thank you for your attention. thank you thank you elvira hibzadovna. our colleagues are already moving on to discussing the report with please, anton gennadyevich aksakov , president of the committee on the financial market. dear viktorovich dear colleagues the discussion of the report of the central bank this time was unusual for the representatives of the five committees to participate in the working groups. in the general meeting of the committees during the discussion of the report, well, in the course of preparing and reviewing the conclusions on the report of those decisions of those proposals that we proposed for

approval to you in order for the central the bank took these proposals into account in its work. now i remembered this one about this from a difficult period in our economy, when elviradov’s team worked for us, they came to the central bank, when we had about 1,000 banks on the market, they were very different and many of them were not very conscientious. that is, everything and now, for a certain period, thanks to a tough, very targeted policy, the banking system was put in order and this order. now more than 10,000, 10,178 sanctions against our country are affecting the operation of the system the system noticed, of course, but the people who use the services of the banking system. this, especially not noticed, at least.

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loans. get approval on the best terms if a loan. for a house which is denominated in the currency of unfriendly countries and after that, when he raised, or rather, raised the requirements for these assets, and then lowered the coefficient to the same level that was before the decision was made for friendly countries, in our opinion, this is such a difficult situation . it would be possible to do otherwise to leave the requirements at the same levels, which they are tough they are, by the way, very tough at the same levels that were before the imposition of sanctions for unfriendly countries and at the same time reduce the requirements when interacting with institutions and

friendly countries. it is necessary to decide on banks with a basic license. we have adopted a law according to which banks with a basic license can work with their external partners to open correspondent accounts in foreign banks, so in my opinion. it justified itself, some banks took advantage of it. it is necessary to create permanent conditions, so that these financial institutions can interact with external organizations and thus ensure, among other things, the economic interaction of our enterprises with other countries. the government selects banks to participate in the subsidy program, but i said this, sorry. according to international financial reporting standards, our banks, our banks submit, well

, most credit organizations report according to russian standards, which are close to international standards and according to international standards, as a result, it turns out like this double work, pretty hard work. some financial institutions are no longer going to interact with the outside world. they operate in the domestic market, and so in our opinion. it would be possible to speak not about the binding nature of international financial reporting standards for banks, but about a recommendation. do you want to work in foreign markets? use these standards. and so use the russian standards. they are quite acceptable. and as i said, in terms of quality, the requirements are quite close to international ones. add more yes, i need more add please. dear colleagues of the central bank indeed, a lot of work has been done.

i have been interacting with the central bank for a long time and i know all the conditions under which it operates, but at the same time, such a quick reaction, such a depth of reaction and such a lot of work that was carried out not in the reporting year, but in previous years showed how wise the correct position was taken by the leadership of the central bank and thanks to this, our mega-regulator allows the country to work calmly and provide financing and activities for the population and enterprises. thank you for attention. thank you, anatol gennadievich dear colleagues, let's move on to the question, but first of all, it would be right to say, that's what, uh, we really have a large number of representatives of the business community of the banking community during the report today. the report of the central bank's oath for 2022 is being broadcast via videoconference. e in

the regional parliaments and our deputies can participate. uh, getting acquainted with the report, participating in it. e dialogue through the videoconferencing mode . therefore, it would be right for us to such talk about it for the future. it can be useful, but to take questions that representatives of the e -business community broadcast to us here. eh, on the other hand. uh, regions of civil society institutions and uh, in the course of the report already, conduct a dialogue so that, like, uh at the beginning, but after hearing uh, the initiative of the central bank, about which we spoke. uh, immediately expressed words of support to these two. uh, legislative new, but as for our initiatives, they can also rely on the proposal and our

voters, and once again i want to emphasize e financial circles, so colleagues it will then not only meaningful conversations, but also as a result. questions from the cprf faction gavrilov sergey anatolyevich then get ready for the ldpr faction koshelev, dear revera dry backs to you and me, the common task is to support projects of technological sovereignty, primarily, of course, in strategic industries, but due to budget restrictions. we see a serious resource - this is the accumulated formed liquidity in banks. especially with state participation and in this regard. how you see the opportunity is not just not just lowering the requirements. uh redundant at a glance standards in sufficient capital, but also to the assessment of profits, especially over the past difficult year the possibility of changing arrangements necessarily reserve. and including the use of specialized bonds for accounting by the central bank to support

key sectors of our industry. especially in the field of impo-substitution, and we believe that it is true. this issue is a priority for us in many respects. thanks a lot. she indeed, the key priority and the key task of the financial sector for the near future is to support it with resources. uh processes of structural adaptation of the economy. now, as we said, many enterprises are rebuilding their business models, in the past it was already impossible to work, of course, they need financial resources. we are setting up the banking system, by the way, not only the banking system, but also the stock market. we are going to make such decisions so that these projects are financed first of all sergey anatolyevich, you know very well working at the national finance council about our initiative to develop this taxonomy of criteria here. their government has already prepared such transformational projects. this is a large list

of project areas, not specific projects, not specific names, so that there is no bottleneck. yes, when each project needs to be approved by the government or someone else. and these are the criteria by which banks will be able to select them. and we are creating just regulatory incentives. uh, we are lowering the requirements for banks so that they can lend more easily to these projects. and as i said , we see the potential for lending up to 10 trillion rubles. this is a very big potential. if we imagine that now this is the entire volume of loans to enterprises. this is 60 trillion, then it is about 10 trillion of just such projects. and if the banks use it to the fullest in order for them to use it. we are discussing with the government that the most important projects need to be supported, including, perhaps, some other benefits. we see here, first of all, the tools of the guarantee of guarantees, if not the state, there is problems. we also discussed here, uh, state

guarantees, but here, but you would need guarantees from other development institutions, because during this period such a division of risks between the state is needed. and uh, private and business in order for such projects to develop , we, uh, you know, and gave banks a large-scale relaxation and return to, uh, some of the previous standards in a very extended period, for example, bankers know the capital adequacy ratio for five years . e, therefore , their capital resource is released in order to just lend to the economy, and we are further, of ​​course, ready to discuss from the banking sector from business with the government with the deputies. what additional proposals could there be? but it is very important for us that, at the same time, the stability of banks , the financial sectors, be preserved. people trust business, trust them with money, and therefore banks

must be in an absolutely stable stable situation. thanks faction. koshelev vladimir alekseevich prepare. duruddin elvirskikh tasked, we highly appreciate the work of the central bank in the crisis , you are doing very well, but we want to make a business we offer the application to foreign partners, who today are leaving our market through the sale of settlements with them instead of currency , to issue them special bonds of the central bank, and in the amount frozen on record 300 billion dollars, and this will stabilize the exchange rate. uh, it will reduce volatility, but for russian business. this is fundamental. the main thing is stability and predictability. i'm sure our uh, so-called partners, first of all, will come back sooner or later. and secondly, they will also thank us for your very issued bonds. here, and the most honest humane court

in london and new york. let him deal with the unblocking and withdrawal from sanctions of our frozen assets in his legal field. vladimir alekseevich, we will introduce this proposal just at the time of the meeting with the faction. so we managed in a very short time hmm to see how you can relate to this initiative. uh, it needs to be further developed, but, in principle, such an initiative. it can be considered as one of the measures to protect russian assets. uh, frozen uh abroad, but here it will be necessary to take into account several circumstances. there are first difficulties. uh, that's what pegging a bond to a frozen asset. it may entail disclosure of information about our reserves and their structure. mm. uh structure of the central bank's assets abroad. and they didn't want this, the second thing is that they forced hmm a to impose these bonds. uh, it is unlikely

to succeed, all the more so to force foreign regulators to release the frozen assets. even if the owners of the bonds are citizens, yes, non-residents, but how an alternative instead of accounts, ips, you can see someone wants to wait for his sea of ​​\u200b\u200bweather, what is called when the funds from accounts are unfrozen, type s and someone can go for such a scheme, but this requires discussion. and uh, of course, there are still issues related to the immunity of the central bank in relation to, uh, property belonging to it. uh, because despite the freeze, for now, uh, jurisdictional immunity. the asset of the central bank is not disputed and the question, of course, is what the central bank will receive in return, so we will be ready to discuss in detail. uh, discuss this topic.

we are interested in finding e and working out different options for solving the problem with frozen active thank you faction, just russia for the right nilov oleg anatolyevich to prepare for the hot xenia aleksandrov, dear elvira sakhizadovna, the word inflation was probably a self-used word in your report. well, like the old days, uh, it is considered by rosstat on their orders, not even by a government decree, and you check the methodology, which is constantly changing and the calculation itself, but this most important economic indicator, do you think it would be expedient to adopt the methodology and then the accounts chamber by our committees, but check the calculation itself, because so many citizens and business representatives do not believe these calculations of rosstat. e. well, about the reserve fund,

of course, there are questions. yes, it continues to accumulate with us in what we accumulate in gold in yuan and do you think it is possible to invest part of the funds. e, grain interventions in the interventions for the purchase of meat and dairy products should be formed in this way like this questions, probably understandable, as for the calculation of inflation, he really counts on the federal state statistics service, but he denounces its methodology, uh. yes, and it seems to me, uh, rosstat is very actively working with various proposals for this methodology with growth. there is a public council where everyone can discuss. eh, this methodology. we also give our proposals when we have them, and i think this is a normal practice, because metal metodology can change, and it must take into account, among

other things, changes in the consumer basket. as it happens now, for example, and it is better to do it promptly and flexibly. it seems to me that it just provides. in general, it is enough regardless of e and e, sound methodological approaches, in addition, by the way, the general price index, he calculates the base one. inflation and producer price inflation, when we make a decision on the key rate, we look at a very wide range of top ten indicators for price growth, these are food inflation, service inflation, the basic trend median, and i won’t list what you are talking about, really inflation of each person. the general consumer price index may differ from the general price index, it gives the whole picture for the country. we also have regional differences. uh, the consumer basket of people with different incomes is different, it really is, and uh. for example, on our

website we publish e, a personal inflation calculator, where each person can see what his consumption pattern is. and what he consumes the most and calculate what index he has, and, accordingly, his personal inflation. eh, those less we believe that in our policy, for example, we should focus on the general price index uh hmm why because it gives? yes, the national average, yes, do not see these regional characteristics, but it reflects. e general purchasing power. it is precisely this inflation that affects the real incomes of the population in the country as a whole. in the country as a whole. of course, there are also regional indicators. it seems to me that there should be at least a lot of indicators here for analytical purposes, they are used. but legislation for indexing purposes can

to choose indicators is already, uh, to decide the government together with parliament. thanks thanks colleagues. we must admit that over the past year, despite the difficult situation and challenges, the central bank effectively solved the problem of controlling inflation, if compared with europe, see hungary, the inflation rate is 25 and 60%. in latvia 17.2 in the czech republic 16.5 and if we talk about our country, er, today the rate has dropped to two and 82%. this is really effective work to protect the interests of our citizens, because if you only grew inflation clearly the means to devalue lowering inflation protects the funds and er,

prices don't go up, so it's really welfare work. it is important for us to evaluate such actions of the central bank. and where there is a result, i express words of support, please. faction new people burning xenia alexandrovna prepare ivanov united russia entrepreneurship hinders, including high and collateral to secure a loan. today , many entrepreneurs in order to get a ruble loan need to provide collateral under one and a half rubles, and this is a big problem, because the number of collaterals is limited, but without this money there will be no growth. and in some countries, collaterals even for high -risk projects do not exceed 70% of the loan, and for current tasks the collateral is often up to 50 %. whether the central bank is ready to lower the loan security standards for legal entities, one

could start with large banks that have good proven risk assessment models. could, under the supervision of the central bank, start issuing loans against small collateral in the first queue for the entire sme sector, and technology companies, and then thanks to everyone. yes, thanks to ksenia alexandrovna , the regulation of the bank of russia does not require that hmm, there must be collateral for loans. e large, here we are analyzing the situation of large and reliable borrowers. they receive loans without collateral. uh, banks usually analyze the cash flows of such enterprises enough. are they enough to see if the proceeds are collateral. uh, these are additional conditions that banks often really require, if not a very reliable borrower, if he does not have enough cash flows, and who already has a problem with servicing for a long time, because for a bank that issues a loan , if the probability of a return is low

, there must be a pledge that he can realize, because they stand behind the back of the bank. hey, our contributors. but our regulation allows us to reduce reserves, if a bank for not very secure borrowers takes collateral to evaluate these collaterals at a discount - s - without discounts from development institutions from the rest there is a discount. you correctly noted the problem of small and medium-sized businesses, for which the problems with collateral are the most acute, but here there are special programs, uh, that the government implements part of uh, s. uh, our joint participation that help solve this problem. and by the way, lending to small medium-sized businesses was actively growing in our country last year, according to estimates. uh, three-quarters of sme loans were unsecured with no collateral requirements. uh, why just big

banks, what you said, they use new bigdata models. so called when they analyze they don't need bail they analyze history of this this even small-medium business cash flows. and it allows you to issue loans. they and we have authorized the use of these models. this also happened not so long ago, so many banks are already giving demons of collateral to small and medium-sized businesses. e, in addition, e, small and medium-sized companies have the opportunity to apply to the sme corporation and obtain a guarantee if banks require collateral and such guarantees. last year. even the umbrellas had guarantees for such loan guarantees. with such guarantees, 812 billion rubles were issued. small business last year. therefore, there are these programs, but we will carefully watch. in principle, we are not very supportive of the so-called lombard lending , when banks lend on collateral, banks should analyze the business models of flows, and we

strive to support this type of lending with our regulators. thank you thank you please united russia faction ivanov vladimir valeryevich prepare dmitrieva thank you very much, good afternoon holding on. okay , my question is about affordability in your report is full enough, er, to cover this issue. but nonetheless. i have a question regarding. uh, bank cards and current problems with the use of these cards, uh , rural areas in sparsely populated and accessible areas here. uh, it's not a secret to anyone that hmm cash withdrawals, yes, and transfers to these territories are carried out using atms, but unfortunately, there are either no atms or not enough. this applies, in fact, including banks with state participation, which, uh, is difficult with the population, so people periodically are forced to move there to go to regional centers or another territory far

enough to fly off their bank transfers or make other cash transactions, so the questions are what ways to solve this problem do you see as the most effective yes, and what measures should be taken to develop the atm network? banks and the minsk state the problem of financial inclusion in e sparsely populated, in my opinion, is the case in rural areas. she remains important. several years ago, we created a working group with the participation of our and the largest banks and hmm e-mail of russia and with the participation of representatives of the regions. and we have such a heat map. e, where there are 116,000 settlements, just s hmm so that we understand where what problems with financial inclusion exist, where there is not enough. uh, what kind of services, uh, and by the way, we invite deputies to participate in these regional groups. and if you see problems. this can be an effective way to deal with the problems of specific localities.

eh yes. we see that in the country as a whole , non-cash settlements are growing in our country, the figure is 78%, but there are people anyway who will pay in person, where the stores are not . without cash we understand this problem, uh, and uh, hmm really the number of atms is declining uh, it is not profitable for banks to keep them. but we gave them recommendations that they generally follow. uh, looking after it to make sure they don't cut atms in uh, localities where there's a real problem, uh, and uh, they're developing lightweight forms of banking, mobile offices that move. but what is important is we began to develop the project. that's just a few years ago. this is cash at the checkout when at a gas station in stores at post offices.