in the capital 10 we continue to broadcast the morning news fsb officers detained a resident of the tambov region, according to the department. he was going to join the ranks of the apu. to do this , he planned to go to ukraine through the territory of turkey, it was established that he was in electronic correspondence with representatives of one of our formations that are recruiting and training volunteers for the ukrainian army. introduced under the article of the state. uh, preparing for the stewardship. the territory of hostilities trained to maintain physical fitness scientists literature on practical medicine falsification of armament equipment of the state border of the russian federation for participation in hostilities on the side against russia a criminal case after the crash

of a private seaplane in the north of the krasnoyarsk territory, according to the transport prosecutor's office, the plane crash happened at about 11 o'clock local time in the area of ​​​​the industrial zone of the city of dudinka. here he was performing a planned flight and almost immediately after takeoff, crashed into the river bank and caught fire, two people died, the cause of the accident is being established this night by an air raid alarm sounded throughout ukraine, in some areas, it was announced several times, the consequences are reported by the authorities of kiev according to the mayor's office. explosions were heard in at least three districts. inanimate premises were damaged in one. a fire broke out in one . and the authorities of the odessa region announced explosions at industrial facilities and in the port, reports of explosions came from the city of izmail. the media write that not all bases are on fire there. now about the actions of the russian military in the zone of the special military operation of the unit of the group of troops

the center was defeated by seven strongholds of the apu. and here is what else the press center reports. with the support of artillery fire and air strikes, the units of the grouping of troops, the center, captured seven strongholds of the armed forces as part of the counter-battery fight, hit the d-30 gun, howitzers, 100 b and 2 mortars by means of air defense, shot down five unmanned aerial vehicles and four rockets, mlrs hymers. today in russia they celebrate the day of the airborne forces , the professional holiday of fighters of the winged infantry on august 2, 1930 at military exercises near voronezh for the first time a small unit of 12 people landed by parachute. today, giving out this highly mobile, equipped with advanced models of equipment, the clan, troops, personnel and veterans congratulated vladimir putin, the president noted that the paratroopers in the special operation zone adequately continue the various

traditions of many generations in a year and a half , 43 airborne fighters 30,000 awarded state awards became heroes of russia. the first evacuation rice from niger landed in paris, where a military coup took place last week french military transport aircraft delivered more than 260 passengers from neama. in addition to the french, these are citizens of portugal , belgium, ethiopia and lebanon, as reported by the fifth republic , almost all the french living there want to leave the nigers. this is about 600 people. paris sent for her. we already have three planes. italy took away more than 30 italians and 20 us citizens the military who seized power in nigeria announced they were opening borders with five neighboring states. however, the rebels did not comply with the west african group's ultimatum. gather military command association. evaz will hold an emergency meeting today to discuss the possibility. a powerful typhoon

hit the japanese island of okinawa with winds exceeding 180 km/h, knocking down trees, killing at least one person and injuring more than twenty without power. more than 200,000 houses remain. the island's airports canceled more than 500 flights ferries stopped forecasters warn after the arrival of a typhoon in japan and powerful heavy rains are expected in the country flood. trump faces up to 50 years conclusion the list of new charges consists of four points, the main claim of the democrats, trump allegedly tried to disrupt the previous presidential election. with the help of violence, we are talking about a popular action in the capitol in 21, unarmed followers of the republicans occupied the building, claiming a fraudulent vote. the protest was brutally suppressed by the police, they even shot a participant in the rally, so that the ex-president is

now confident, and fair us elections are out of the question, the current administration of the white house he just wants to get rid of the main competitor, and at the same time divert the attention of americans from corruption scandals in the family of biden himself. for the first time in its history, feature agency downgraded the us long-term default rating in foreign currency from the maximum triplea to wa +, explaining this by the fact that us debts are growing, and the fiscal situation is getting worse, and now we will talk about the situation on the moscow exchange. this morning the dollar is worth a little more than 90 two rubles for the european currency give about 101 rubles. yuan traded over time around the mark of 12 rubles. and 80 kopecks. the moscow exchange index at the time of the opening of trading was 3.093 points a rts 1.000 55 points. the lending market has fully recovered and is showing record

levels, said anatoly pechatnikov, deputy president, chairman of the management board of vtb, about how the structure of deposits and borrowings is changing, what is happening with mortgages and cross-border transfers, and also about how the bank’s digital services are developing. he told in an interview with our channel, watch immediately after a short advertisement. we force from cafes to restaurants free grace period is always 180 days without interest and every 2 months. it starts again. and also free service and cash withdrawals without commissions x5 club launches benefits. let me

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loans available to you. calculate the credit potential in sberbank online right now and apply for a loan. at the lowest rate in sberbank from four percent in the first month. you can afford more afford better afford new or almost as good as new because prices allow. choose electronics at a level higher than the price of smartphones from 2.500 rubles. on avito anatoly yurievich hello, good afternoon. how are you do you assess the situation in the retail lending market of russian banks based on the results of the first half of the year and seven months of the year? what are the results of vtb and your forecast for the whole of 2023? it can be noted that the first seven months

of this year show record highs ; citizens borrowed from banks. and they say that, probably, by the end of the year we can even see the figure of 15 trillion. and if we compare this figure with the indicators twenty second year. er, it will be more, probably by 45%, than the volumes that we saw last year. and if we compare the twenty-first year with a record one, then, probably, 8.5-9%, our citizens of our country will borrow more from the banking system. than it was in the twenty-first year. here it is probably also interesting to talk about the structure of these loans. yes, uh, it’s obvious that secured lending now dominates, and this, by the way, also characterizes well, in general , the financial health of our society, and long-term plans, because

lending is a long loan for the purchase of real estate and vehicles, and just a fraction of these loans. uh, today uh, exceeds the share of unsecured lending in the volume of borrowing. this is a cash loan credit card. so we think that at the end of the year, probably, seven trillion 800 billion people, er, people will borrow money precisely for the purchase of transport and real estate. here they are secured lending. well, it will be characterized by more modest figures, about there are symmetries. therefore, the lending market has fully recovered and shows our bank has already issued a trillion. 400 billion rubles for the first 7 months of this year and out of them uh mortgage loans. we have issued 675 billion. this is an increase. e to indicators of last year more than 30%. banks are waiting for a new record of sales in the mortgage market

. do you think this will lead to the risk of overheating of the mortgage market and how the increase in the key rate of the central bank will affect the mortgage market in 7 months. uh, the citizens of our country have already borrowed three trillion 600 billion rubles from banks. and this is for sure. i think we can already say that despite all restrictions on the growth of the key rate. we can talk more about this topic. i think that the total amount of borrowing will not exceed six trillion. this will also be a record figure for the entire history of observations of the country's mortgage market there. and uh, what's interesting to note? what? just demand. today, it is shifting more towards ready-made housing. if you remember the history of the twenty-second year, when the pandemic year appeared, when many government programs appeared, there is state support for family mortgages. uh, market experts and the regulator were concerned that hmm, more than 60%

of loans were issued specifically for the purchase of housing under construction, this is a little bit and said that it distorted prices on the market, the imbalance that developed last year there reached 40% in some regions. that is the price of a tuned flat. it was 40% more expensive than the price of an apartment in the title already, which is sold on the secondary market. so now the situation is changing, but objective market circumstances. that's because people today already prefer to buy ready-made housing and regained their interest. e already built object, and moreover, this year is still characterized by a new program. this is a private residence. this program received support both from the government and from the house of the russian federation, where a subsidy was also initiated, a small subsidy for interest rates, but nonetheless. eh, despite so far. it is of small size. well, how insignificant. i think that's why whatever, probably 300 billion rubles. people will borrow precisely for individual housing construction, not for the purchase of a finished house. uh,

this category of transactions. it is classified as a whole to secondary housing, namely to individual housing construction. and this is, in principle, a great success. it seems to me, for our financial system. and today we have, uh, such a stable parity is observed : about 50% of loans are purchased by citizens for the purchase of housing under construction and ten percent of loans. this individual housing construction is the purchase of housing on the secondary, therefore, here are the concerns related to the overheating of the market with price discrepancies. hey, she's leaving now. it seems to me in the past, because that rather tough intensive measures were taken by the regulator for cooling, let's say , the construction electricity market of the construction sector , and prices began to level off. yes, that is, this imbalance is already large. today we are not fixing on the key rate of the central bank, how do you think its increase will affect the mortgage market. well, it certainly will, because this is a general indicator of value and

money, and we should all also understand that from the point of view of monetary policy. uh, in the form of an increase in inflation there, and there about such inflationary expectations in the economy, of course, the regulator is taking action. let curbing demand behold, well, this is obviously a reaction. it is, as it were, laid down throughout the program and the documents of our bank of russia , which, of course, will obviously reduce demand a little, taking into account the complex. there, the measures taken by the bank of russia limit the share of a loan in which it is possible to issue a high debt burden and introduce additional requirements for the location of capital for loans with a low down payment, but, nevertheless, all the same. i think that these restrictions, uh, that is, they will allow the market to grow at a higher rate, at the rate that i said about, how is the situation in the car loan market according to your estimates. why we see peak demand for auto loans and the last few months. and how do you assess the demand for chinese cars.

this is the segment of the credit market. it even e grows at a faster pace, there are several factors. hey, they got together. that's right in the first 7 months of this year. ah, well, the numbers. i'll call a little later. uh, that's the first factor is that chinese manufacturers have actively entered. here is our bank today. every second loan is issued for the purchase of a chinese car, this was not the case in the twenty-second year, especially not in the twenty- first. uh, the second factor is that hmm the dealers have stepped up. uh, for working with used cars, the third factor. it is very important that very convenient products have appeared. e for the purchase of vehicles. this is a cash car loan. this is how, for example, it exists in our bank, because we issue a loan with money immediately and buyers already. uh, visiting a car dealership has the full amount on hand. i think that in general, uh, our

citizens will borrow about 1.5 trillion rubles this year to buy vehicles. and both domestic and chinese on the other. no. that's it. i said that half of the chinese cars are half of ours. well, and some segment of the former use. our bank is thinking of issuing 200 billion at the end of the year. it's a really big volume and, uh, big figures, if we talk about the retail attraction market, what's happening with bank deposits. are there still deposits in euro dollars , and we see that deposit rates also increased after the bank of russia raised the key rate, according to your estimates, if it raises the key rate again, will the return on deposits increase? well, of course it will. here we have discussed with you that when our regulator is forced to raise the key rate in order to cool down the demand for a loan product a little. uh, here is the second goal

that we are pursuing, this is more funds from the population remained in savings. that's why that our task in general, the financial system to provide a positive return on deposits. that is, the return on deposits should be greater than inflation. well, of course, the market. immediately reacted to the growth of the key rate. eh, by raising e deposit rates and today it can already find double digits. eh, the rates are in the deposit offer, our bank is ready to provide customers with a 10% annual return on long-term savings. uh, that's why, as if it were obvious movement, and, uh, all uh, banks almost simultaneously at us. uh, just 7 months. uh, the total portfolio of savings of citizens has exceeded the figure of 40 trillion rubles. this is the historical maximum. uh, and i think that by the end of the year as a whole we will also see a double-digit increase in the savings portfolio

of citizens at the level of 15%. today already, uh, for 7 months, only 10% was an increase. here in our bank. uh, we have ruble balances, and today vtb bank customers have placed five trillion rubles five million on our deposits and accounts, and we have grown by 400 billion in 7 months. here i am i think that by the end of the year we will outgrow by another 500 billion. we have a cumulative annual growth. uh, will be close to a trillion rubles. so we’ll close the year, i really want to close it with six trillion leftovers. e of our customers on our accounts. what happens to deposits? be in dollars in euros in yuan there are no deposits in dollars and euros at all. eh, here. e, the only currency m, which is today e, allows you to receive some kind of percentage yield. this is the chinese yuan. here, the yuan is really in demand by the population and it demanded by financial institutions.

today, our portfolio of yuan has already reached 11 billion yuan. that's about 145 billion rubles in ruble estimates. perhaps the amount is not so large against the background of even the ruble borrowings of our bank, which today is again trillions of rubles, but, nevertheless. the pace is just too fast. so today, if we take the structure, e savings, e in our bank, then we have here a portfolio of e yuan total foreign exchange savings, there it has grown 2.5 times. uh, this indicator, starting from 22, russian banks are expanding their geography cross-border transfers, opening up new countries. i am vtb one of the leaders in this area. you see, you have a tangible demand from your customers and what new strange and new currencies may become available in the near future for transfers. yes, we work on e, today international transfers to 11 countries. our total volume of transfers over 7 months exceeded 20 billion. this is even more

cross-border transfers. and this is even more than it was before the crisis periods, and in the twenty- first year and in the twentieth it was less. and this is about 110,000 transfers in 7 months. that is, there is obviously a demand, and people use this service, and, uh, we, as historically a foreign trade bank, are the heir there. e of the entire foreign network of the bank of russia , of course. uh, leaders in this sense, because our pipeline, our plan there by the end of the year, involves bringing the number of countries to 30. well, you are from key turkey india, uh, we should appear. everyone can already pay in rupees inside the bank and a little more and we will start cross-border transfers vtb announced its new strategy for working with mass retail. why was this decision made and how actively do you want to go into this

segment? well, because the wealthy segment. we are all prizes, what could have already received? here and uh, maybe that sounds. uh, it's too uh ambitious, but it's probably true, so uh, we also want to develop. we want to grow, we want to expand our customer base. we see the usefulness of the services and products that we make. of course, we are interested in the fact that as many people in our country as possible use these services, so we now pay more attention we turn just e to the mass segment. eh , we want to be closer to people we want to develop our infrastructure and make products and services that are really adapted to the needs of people with incomes up to 75,000 rubles. how vtb works in the field of digital import substitution. how is the market of payment instruments developing in terms of an alternative to pay services and how is

work in social networks going in this sense? is it possible to fully replace the departed applications , we know, uh, even before u february last year. we developed in parallel. uh, all digital channels. and we worked separately on apple technology separately worked on android technology and separately developed all all of our web representations today. it is also very pleasant to tell our customers about this, that you are the solution that does not depend at all on the position of the equipment manufacturer. this is mine from western companies. today it looks and functions better in our country. e. even better than such a full-time mobile application, which many accustomed to, here are these investments. we started doing not in february, 22 years. actually.

we had such a digitalization policy for the last, uh, 3-4 years, starting from the nineteenth year, when we began to transform ourselves there into a digital bank. speaking of vkontakte, this is also one of the refractions. yes, because it is very easy to build inside a social network. this web application of vtb mobile bank is virtually seamless. you can via e-mail chat, which is present on vkontakte, you can go to this mobile application to do everyday transactions. uh, well, as a rule, if you communicate, there, you can make some transfers through the fast payment system , ready to announce it too. our decision that we will now open our web and mobile bank vkontakte not only for vtb clients but also for non-clients. these are the technologies that legally exist today that allow you to take on such an easy service. uh , there are no clients of vtb, let's say ours,

russian citizens who would also like to use such digital services, for example, on site vkontakte how is the integration of vtb and the opening. what are the results so far and when do you intend to start active client migration. we call this process unification. here's the amalgamation of two uh, big banks with a big history with a big customer base. a-a fully unification we plan to complete the end of 24 by the end of next year, but the first event to unite customers. we will already start in the fourth quarter of the current e we will offer e 300.000, and customers who have loans in the bank opening go already completely on the service of vtb and this process. e translation of clients by pooling client bases. it will gradually take place throughout 24. uh, fourth year four. well, over this period, we expect that, m-th, those 3

million. e customers who are working with the opening bank today, they will take advantage of the offers of the services and services of vtb bank and completely switch over with their balances with loans with their cards, and with their securities . they will completely switch over to service in the vtb infrastructure also carefully we will act we are with branches of otkritie bank, they will be rebranded over the next year , re-registered as a branch of vtb and will start working already in the design in the structure in the jurisdiction there is already vtb bank if we talk about the fight against fraudsters. can we say that this year they are even more active? what solutions do you offer? how do you deal with it. after all, this is one of the most painful topics for many sectors, including the banking sector, so that i would like to note, using the example of our organization, that the intensity,

and so the intensity. and so she began to decline. she began to descend. here we are in the second quarter. uh, here we see, there is clearly a reduction in the number of attacks compared to the period of the last year and the period. u first u quarter. what does this have to do with it, you know? this is a big complex work. all uh, all departments and organizations of the country and regulators and law enforcement and prosecutors and min figures and banks. eh, that 's a lot that has been done in this direction. but, unfortunately, it is not yet possible to completely eradicate this problem. uh, first of all a great success, uh. in general, we got to block replacement numbers . here is the active work of both telecom operators and ministries of digital development, deputies, by the way, of the state duma, which adopted these

laws and amendments that obligated, uh, the entire cellular communication industry, uh, to identify the end . uh, caller. what was not. yes, recently. it really drastically reduced the number of gray sim cards plus. uh, accordingly, the entire banking community has established interaction, but we were one of the leaders in terms of just e identification here of these numbers, uh, replacements from which scammers call and almost blocking them online, the second factor is, of course, financial literacy, because everyone is talking about it , and your tv channel is also talking about it, and uh, people. uh, people, people already uh, understand how and how uh, actually counteracting such threats is one of the initiatives, by the way, in the fight against another type of fraud, this is phishing. yes, it is fake and there internet sites internet pages. this is

a fake and the websites of government agencies, in including this promotion of various kinds of lotteries, there or incentive programs on the internet, which also have a landing page in the form of there, i don’t know a fake vtb website, but it could also be an organization. domain, uh first level, well, for example, uh, as we now have all the usual domain.ru. yes, where all the internet resources of the russian federation are located, it would be possible to make a separate domain, for example, a bank point or a trick point there, well, any name can be, but resources could be registered in this domain would allow only professional market participants, for example, financial market with a license from the regulator. then it would also protect consumers, including from this kind of fraud. by the way, it is very popular anatoly yurievich thank you very much for this interview. god

bless america

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