they said they saw what was the matter, first of all , you need to work. unfortunately, in previous years, when there was another life and another world, we paid little attention to this. today, this region is becoming a key region, and not only in terms of tourism, in terms of industrial development, but also in terms of agriculture. well, there are a number of key things that the russian federation needs today, so, of course, here. rushed quite a large number. e investors. yes, today is an investor not the one that was a few years ago there was a period when thoughts in categories of tens of billions of dollars today, of course, are much more modest than appetite, but the main thing is that concentration and most importantly, that

there is a response, a response, the heads of regions respond by the way, the local business response of the government to support and assistance in terms of the implementation of large projects, therefore, i think that there are no recipes, in addition, to operate others, there is no scope of the mechanism that the government has adopted with in terms of promoting, uh, development in the region , be it agriculture, be it tourism, be it industry, be it some other. uh, the types of business are very wide. the spectrum is very wide. and today , when the referral commission was discussed, i realized that, uh , the government takes on the most difficult infrastructure, because without infrastructure

it is impossible to create anything. and this network is electricity. if in this way this is what was discussed today will be realized clearly through some years. this edge will change. thank you thank you how are such projects financed today, including in the tourism sector? good afternoon, if you don't mind, maybe they will start a little differently, while trying to be brief . i say right away that we, as a bank, as a psb, are still starting more. although, we have a certain base. and even over the past few years, we have built it up quite well in almost all regions of the uh district, but we started objectively, probably with

a small base, and here my colleagues are other large banks, of course. in that sense, uh more uh, have expertise and capabilities. but we also understood in due time, i ask vladimir petrovich just said that this is a region that is completely underestimated. we made a strategic decision to be in the region, to supplement our colleagues with banking products. i would like to concentrate more on this. if you will allow me, again i will not engage in this very advertising. we here once again responsibly declare we want to be we will be in the region. we have already started with accounting. uh, say some uh our steps. we began to take positions, but we approached a little. from a different point of view, what do we see? here are some problems, maybe. let's say. so. uh, we have such an index called the index of such a well-being of my small and medium-sized businesses do. jointly for many years with the ministry of economic development divorce. and with the help

of our colleagues and the constipation of russia, he is what a curious index. it gives such a cut across the country as a whole - this is an objective survey of small and medium-sized businesses in small among these enterprises is their well-being in the broadest sense of the word. it's roughly divided into four blocks. it's there investment, sales personnel and the availability of funding. they embassies are also divided there. i won't go into detail there. we do. this is every month, not less than one and a half thousand enterprise elections. that is, this is how it works. in general, this is quite scrupulous and interesting. and so we looked at the latest indicators. here they singled out separately the uh north caucasian federal district and each republic of the north caucasian federal district, then roughly speaking, if the index is more than fifty, but this is aggregated, then this means more positive than negative. i don't go into every detail there. here, with the all-russian 51.1, something important is the results

of the first quarter of 2023, the average for the north caucasian federal district is 53.4. that is, in principle, it means that he spoke so aggraded here. uh, why is it important after all small medium business, you know, this is more so, uh, not exactly correct, but probably reflecting the mood of entrepreneurship. e them expectations, that is, they believe in something and feel that, in principle, that environment those conditions that created the infrastructure. there and so on. it will allow them to develop further and, for example, i can say that all those regions are more than fifty, respectively . this is the highest, there is 56 something. this is better for russia in general absolutely. that is, it says that i'm talking about interests, while all other regions are also in the positive zone. this suggests that there is interest on the one

hand, on the other hand. there is a paradoxical situation. it probably takes into account this issue, or something, in the financial sector, which objectively exists. uh, here is one of the four blocks, the availability of funding. let's say it is in e, more often in the negative zone again. i'm on some experience already accumulated there. uh, there uh, negative or something like that, but if in general in russia there are 56 here 407, and this is actually what you need to do, and in basically, i'll look again at the statistics of the central bank. statistics from the beginning of 23 years, which, from the point of view of the banking infrastructure, of course, we are a little behind here. this is primarily to myself and address this question. well , roughly speaking, the number of branches there, well, a little uh, for one for a certain amount of the population, there are a few atms, and so on and so forth. this is the paradox turns out, that

is, there is a demand. eh, there is interest. eh, you have to. here accessibility should be implemented again. we are ready to join our partners in the banking industry, too , to deal with all this - this is one of the big and important topics, with a complete understanding. and today it sounded like big business. this confirms gives and tells her the average entrepreneurs confirm that the infrastructure is in terms of support. state it is the most conscious, which creates certain positive. thank you vitalyevich provides infrastructure bonds. here is this tool in general, how much it is in demand today in the caucasus. good afternoon, dear colleagues. well you know i want to say that infrastructure bonds are what we are talking about now. of course. this is not new, many things are natural. here, uh, the restaurant nikolaevich parkourshavel here said there actually. i think that here, too, uh, elbrus

appeared and long ago and the existing ones were arching. today i will tell you that there are more than a thousand such small resorts across the country, even in the plus there are 200 m, but you climb more than you go, but in general, it means that it’s still worth building. yes, i tried here, because i was building, because in the ninth year of the tourism development program, if that's the head of the region everyone will look at him today. prism , raised in the social sphere raised in the section of socio-economic development, everyone understands that tourism should give big serious profits and the economy, in my opinion, that 's all, but there was restraint. uh, in infrastructure development. mel held the world cup or the olympics. no one believed 12 cities, but there are some projects that we also started with this, they just don’t like alexander nikolaevich from krasnodar, sochi it means, uh, always, krasnodar was not

very liked, and nikolaevich therefore, development did not go there. and when sochi was done and a little more i didn’t travel much. i think what is an infrastructural bond. we proceed from the premise that between us, the state and business, institutions for the development of the bank should work. exactly this. main. our infrastructure bonds should be used to develop the removal of infrastructure restrictions. there is not enough budget money; loans, which means that loans need long-term infrastructure, sometimes very long years pays off repayment is also of great importance here. and of course, infrastructure bonds - this is a completely market mechanism, so we follow it very little so far in the north caucasus because it is a market one and it is better to take a budget loan. uh, then understand that you can not give it means, but here the markets must be given away, so, of course, we are counting now.

and what is this loan, what is it? we, as institutions for the development of the house of the russian federation, we place shares on the market , we borrow and then issue them, we can make concessions, so, of course, i think that uh, in the far east, a limit of 100 billion rubles has been allocated for infrastructure bonds for loans for infrastructure, some kind of infrastructure. this is road, this is transport , and this is infrastructure today. communal - this is what transport solutions mean today. if for e urban transport this is such a powerful system of the state, here e, we are supported by subsidizing additional interest rates, the interest rate is 4%. we are now considering investments in the caucasus in the next few years up to 50 billion rubles. this is dagestan, these are examples approximately. here's how the road. here. they said, there to the port or a bypass of derbent, this is the stavropol territory.

and today this is a number of communal projects in karachay-cherkessia, of course, this is a very important and such a serious project, so i will say again that along with the decisions that we are making now in housing construction, two-thirds of the housing facilities are privately funded. this, of course, and those projects of the master of planning involving the land garden in the turnover. this is the mechanism that always adds and gives development of the housing sector. and, of course, we will work on the tourism infrastructure. we have signed agreements with each subject. there are specific issues that we will address. and of course, uh, i think that, uh , such a limit is set for the far east, we see this maxim says in the amount of 560 billion. here are the next 2-3 years of the investments that we could implement here on e places. let's say in infrastructure solutions, so it's also open. eh, and we will, in

general, continue to implement the policy which today the government for development. uh, the north caucasus has outlined and is doing thank you thank you that's why you decided to deal with freedom and in general, what is it like to do business in the north caucasus thank you very much good afternoon dear colleagues. well, then i'll start a little with the background, because the domote group of companies has a written strategy in this strategy. we took for ourselves. uh, the stated goals are that we should become champions in the niche segments of meat proteins and the company will produce 290,000 tons of meat this year india is absolutely, and of course the leaders in russia, but we will become the number one company in europe and the number four company in the world for

the production of meat and india, russia knows us more under brands, it is difficult to perceive the company mri yes. and we are also leaders in the production of meat. ducks are also number one in russia. and in our opinion, uh, mutton is also a niche product that has its own consumer, and it absolutely fits into the strategy of our company, in addition to this, of course, we believe that mutton - this quite an underrated product. this product is also useful. this product also has its own enough. i would say useful , but nutritional properties, and we believe that this also has the potential for development, and the market for this product, and besides this, of course, it is an industry in itself, and creatively, it was very much underestimated. yes, there was no investment here, perhaps, by the way, this was due precisely to the fact that the main production is lamb. we have and historically have always been in

the caucasus. when we began to study sheep breeding market, it started in 2017, we traveled half the world, it was canada wales australia new zealand spain we looked at a lot of projects and we concluded for ourselves that a sheep is a freedom-loving animal. and if we grow it from closed complexes, then, and we won’t get good economic indicators, of course, for this you need pastures, respectively, uh 51% of the land of the north caucasian federal district is just a pasture, and some regions are such dagestans, karachay-cherkessia, there is a percentage pastures for 70%. and it's geographically predetermined that it should be that way. and if you need pastures, if you need free release, then this is farming, and, most likely, not industrial and large, but entrepreneurs are small and medium-sized businesses. and again, we have a fairly strong

class in the caucasus, by the way. and colleagues confirm small and medium, and entrepreneurship of peasant farms of personal subsidiary plots. and well , besides this, one cannot ignore the fact that it is really traditional in soviet times before soviet times, historically , the north caucasus has always been closely associated with sheep breeding, and in soviet times. half of all lamb was produced here. and the soviet union is now in russia, too, half. if we add more kalmykia here, then we will have exactly half, because kalmykia, in my understanding, also belongs to sheep-breeding regions. well, uh, there are even , as far as we know, colleagues from our human meat sheep. union say that the first sheep was once tamed several thousand years ago. she is caucasian only in the south caucasus, not in the north, and therefore, of course, we are. but having added all these factors, and they are economic, they are quite

economic for ourselves, we concluded that we want to engage in creativity, we want to engage in the north caucasus, of course, i can’t not to say that it is doubly pleasant for me, because this is my homeland. i was born in kislovodsk, my ancestors are from dagestan, therefore , of course, for me it is doubly pleasant, but at the same time, we still made a conscious choice, it was an economic business, and such calculated, yeah that's why we're here and that's why by calling what is the experience? your nowhere business here. how can you rate it? well , again, we certainly have our own specifics of this business. there are, uh, issues and nuances related to development, and farming, but again for our business. in my opinion, all this specificity. she's even helpful. yes, here everyone in every family has always had some kind of courtyard in the north caucasus. there are people here. what is in my understanding? yes, how from

me it seems, what a feeling property for them even in soviet times. they were their own animals. they understand how to take care of them. they understand how to treat them how to treat them. and these are very important factors. there are, of course, a lot of things that still need to be tweaked. yes, there are problems here, but with the execution of e- documents. every farmer, for example, comes to him, as a rule, and the land is like his, but there are no papers. something like it, well, it does not make out anything. and of course, uh, because of this, including them, but do not have access to both a credit resource and some kind of product on subsidies, but again, as we have already noted by colleagues. everything flows, everything changes. in my opinion , a critical mass of change has already matured in the north caucasus, which allows, uh, really investors to come here and make big good investment projects. thanks sender. business conduct experience here

, uh, what is it like and how do you rate staffing issues? are there enough people to involve them in the work of projects. we must clearly remember once and for all. yes, there are many more projects in our country than there are people who are able to lead these projects. projects depending on the region independence from the region is therefore a matter of personnel. this is more important than the question of money. what do you think? how to attract to the address? yes , it is not possible to attract personnel to the north caucasus, it is necessary to teach them to educate, to seek out from a difficult labor-intensive process that needs to be dealt with every day for 24 hours. nam alexandrovich well, what does your experience say, i completely agree with vladimir petrovich, so that of course, only training is painstaking work, and there

really is always a problem with personnel to complain about it absolutely for sure it makes no sense, but again, i agree with vladimir, you need to work. but we also have a project in itself our e, although it is from agriculture, but in creative it is deeply scientific, and we ourselves learned. i will say that, probably for the first time in russia , we wash the embryos ourselves and implant sheep embryos ourselves. well, it's just such a really scientific work as we did it, but we invited foreign experts. they did it for 2 years with our specialists. now we have our own four people. eh, how can they even call this profession. i i don't know about surgery. but just like that, yes, and they do it themselves. like where we got them, these are local guys. we taught today we signed an agreement on cooperation between the north caucasian federal university and the stavropol agrarian university

. we will gather a scientific forum that will be fairly closed there, in a few weeks, probably, we will discuss with them. how is it correct to calculate the genetic index of a sheep. what articles are new? what to do where to move and thereby, among other things, to attract guys, uh, to yourself, because in my opinion, if we do too hmm how can we do it is necessary to work with productivity. eh, to equip the workplaces in the right way to make it interesting for people, among other things, and so on. i think we will somehow solve our personnel issues, but we definitely need to work with personnel, this is a fact, right? so i just wanted to give you the floor alexander fully agrees with what vladimir vladimirovich said and colleagues say that personnel issues are one of the main ones here. well, here is the paradox it would seem here. there are a lot of young people in the strong caucasus, and at the same time, there are, as it were, no personnel who are needed, who need to be taught and educated precisely for those projects for those

sectors of the national economy that are developing here, which are in demand in addition to what was said today at government commission. e, this issue was discussed under the leadership of the prime minister . this. uh, by the way, maxim gennadievich spoke in his speech. here is the minister of economic development, that an analysis conducted by him 2 years ago showed that we have a lot of educational institutions of secondary vocational education here in the caucasus that train specialists. eh, well, which, let's say, are not a profile for this region at the current moment, maybe they were in demand earlier. there is nursing there , here it was today, but on the screen or it was the accountant's lawyers who were basically preparing there. and what is needed now is what is needed

specialists in the field of tourism agriculture. that's just for those new industries that are appearing here, and from the point of view of the development of horticulture, sheep breeding . uh, other areas of agricultural development, you need housing and communal services workers who are versed in how to adjust here at the end. e normal stable work in this industry, that is, it is necessary to re-profil and train exactly those specialists of institutions of secondary vocational education who are in demand and such the program was developed on behalf of the prime minister; it was developed by the ministry of economic development. e, together with the regions with heads of chapters. e, the heads of the subject of the russian federation have already begun their work, and there are green changes, including those for reprofiling for a , the acquisition of new equipment. yes, today

our colleagues spoke about what else needs to be allocated additionally, including funds from the federal budget, in my opinion. these are small funds. and it will be necessary to find a government in order to so that such a program, let's say, re-profiling of secondary vocational education to seven in the caucasus, is implemented in full. this is in addition to the fact that it is necessary to engage in vocational education at school , the necessary specialists to educate at enterprises technical assignments to give for higher educational institutions. that is, it is a whole range of issues that need to be addressed. and now there are some goals, let's rely on advertising, and then the continuation of the broadcast. everything you need even out of town tape grill grate online from 300-99 rubles. sberbanquet. book profitably. and

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the lowest rate over the past 10 years from four percent per annum get a loan at sberbank and get monthly cashback obviously profitable. we need already qualified personnel, we need people who would really work honestly and conscientiously, and, of course, we need discipline , order, that's all. e, it is necessary and important , so this is also the reality of today, and we must not forget to emphasize this with regard to agriculture. of course, i know this region quite well from my previous work. well, of course, here on the smart many others everyone is certainly speaking. this you know, i think that in general in properties it is at least 50%, uh, it must be uh, vegetables on the russian table in the caucasus today are 10%, well, boys 30 for at least five years.

and the orchards are apples, pears, fruits. well, over 50. that's for sure. that's right, because i want to emphasize. this is also very uh, i think this knowledge, which is important for all of us in the kuban, including ours, is quite developed, but an apple in the crimea and in the north of the caucasus is different in color and quality. the buyer, uh, so to speak, immediately begins to choose and he and the price is higher on your on your fruit. and we need to know about it, which means that the horticulture development industry is here. it must be perfect, of course. uh, here, another and driving through the territory. to be honest, i saw what is happening in kabardino-balkaria. these gardens are thousands of hectares. you just can't even see the horizon. hmm this quality is completely european world class, but it's mesmerizing. this is really a low bow to all the workers who, in general, created such gardening, and i see

other subjects of the caucasus following this example. great. here, uh, god himself commanded this to deal with moisture. sufficient climate, st. gregory temperate climate. this is very cool. well, of course, viticulture is what cognacs said today, and cognac grapes and wine are here. in general, very well. well, that's great. today, the trends in russia are that drinking your own drink your national product, cognac wine. there is also vodka. in general, no, that is, all this all this all. this is cool. all this deserves the attention of respect, then people stand behind each tree behind this grape bush great work. and, of course, it's not like it anyhow . it's not a bush, a grape, because you know the tree is 4 m high, which is already growing. there for 50 years, no one really does not deal with circumcision. not to say so, some nursing work and so on. it's all completely different. gloss takes on a different look , and so on, so, of course, cattle breeding

, er, meat. it is also god himself who does this . a small form, which today is dilapidated. e, develops supports. i think this is great, and therefore it will not be of much sense, not only a tourist mecca, but and a place where delicious food where everything is very affordable and so this is a combination of tourism food that you export already outside your own. uh, so to speak about their territories, but this is a big revenue item of local budgets and regional budgets. and of course, in uh, the residents of moscow and other large cities are happy to see, feel, uh, taste all these wonderful, uh, domestically produced food products. thank you and as we we are very seriously considering. we are very serious. i will tell. well done, in general they are generally good businessman, but smart guy. here is what he created here in the korchagi of circassia with the support of the republic, of course, this is a unique project. it has been asking for a long time, because there is a lot of lamb, but it was always

very chaotically distributed, someone produced it there. and as a rule, it was copied near moscow and transported like that. well it was diesel serious chaos. and, of course, there was nothing good out of this when they created this enterprise, deep processing, when the packaging was of high quality. it's all already supplied centrally to e, large trading. in big cities. well, of course, it deserves attention. and i think that we need to build a couple more of these. this applies, and alexander andreevich said, and the storage of processing packaging is everything , because there is no reason to earn money on it. someone else takes your products and repacks them somewhere near moscow to put their brands and so on, of course, you need to deal with it yourself and it seems to me that it is very profitable, it is profitable and i think the guys themselves understand all this very well and the movement looks . thanks, i'll clarify one moment. you say you're seriously considering working here as well. we haven't decided yet. what is the direction? well , if a competitor to the new alexandrovich or

not? well, well, well, they won't explode, because nathan is already here and it will be hard to compete. but uh, after all, vegetables are fruits, it's interesting, and maybe processing. well, in something that we are engaged in archaism. e hmm vladimirovich now, so to speak, may be indignant or not, but why is there a lot of mineral water here, and very serious for different ones. why not? not only to him see. so that you understand, we are already 90 years old, and people are like 50. you see, why because water in the morning is a compliment, i can’t help but give you the floor in this case, vladimir petrovich , how will everyone react to a request about water? uh, alexander nikolaevich is very dangerous, why are you silent about volodya, silent, silent, silent, therefore.