the feeling that we have received so much knowledge that we want to share our experience. now, with the guys from their region, the final eighth shift will bring together the best graduates of the family, the previous ones already on august 30, and the motto of the forum is 23 years old. we can do more then we together alexander perfilyeva and gordalinsky andrey moshkarov elena pomelnikova to lead. sberbank reported record profit for the second quarter. it exceeded 380 billion rubles. dmitry morokov found out how such a result was achieved, a record quarterly result in the history of the company, as analysts comment accounting data with the beer, in the second quarter of this year, net profit amounted to more than 300-80 billion rubles. this is an increase of 6.5% compared to the first. well, in general, for half a year , the financial result of the group reached 737.5 billion. taking into account these indicators, the shares of the savings bank

have a good reserve for further growth , experts say. year to date. they have already doubled in price and remain a locomotive for the entire russian stock market, which is confirmed by the dynamics of the moscow exchange index , the fact that the sberbank reporting indicators turned out to be higher also plays a positive role forecasts. our predictions were slightly. uh, less. yes, there are about two percent and the consensus forecast for the market was 3% lower. yes, in terms of a-a income, the bank's shares have already grown strongly over the past week. yes, before the report, but in principle, if we take into account the growth dynamics of the bank 's revenue, ah, margin growth, yes, just the loan portfolio, then this will have a positive effect on the shares, the shares will continue to grow and our target on the price of sberbank for the next 12 months . this is 350 rubles. another factor that positively affects investor sentiment is high confidence payment of dividends. sber confirmed that it does not plan to change the frequency of these payments

; they will continue to be made once at the end of the year in 2022, the amount of dividends has become the maximum in the history of 565 billion rubles. as for the size of dividend payments, uh, i expect a record for this year 23, respectively, even now dividends are looming in the region of 32-34 rubles. for 23 years. well, i also do not rule out that sberbank may go along the path of increasing the payout ratio among kucha and ten percent, but let's say 60%. and then already dividends can be 36-40 rubles. here it will be, uh, a gap, so to speak, for the stock market and stocks against the backdrop of such events can , respectively, easily rewrite the historical maximum, the convincing financial results of the savings account are explained by the growth in all directions, the number of active individual customers increased to 17 million people, and the number corporate. yes , more than three million, the volume of

loans, in the second quarter became a record six trillion 600 billion rubles. in the retail segment. most active, mortgage growth portfolio, plus more than eight percent for the quarter previously became known. that from august 4 , sberbank is going to reduce rates on mortgage programs with state support; the reduction will be from eighties to 1%, which is promising for the russian package. uh, good conditions, there is an opportunity to choose a borrower. and this means that these borrowers will later become clients of the bank, and they can be offered other loan solutions and investment solutions. after some time, and in this case, sberbank takes care of getting itself a stable base of consumers with whom you can work over the coming years, and maybe even healing, and at the same time , the financial conditions that have developed today, banks allow you to do this, while counting on profit. sberbank, before this , increased the volume of mortgage lending in the country at the end of the year. it may reach

more than 20%. in addition, i will improve my own forecast for russia's gdp growth from one percent to 1.8. what to do with a child on summer holidays can be good deeds in this issue of instructions we will tell you how to find a suitable program for school volunteers and join it, but first about the benefits for children from participating in volunteer programs, they will get new acquaintances and acquire useful skills, for example, learn how to work in a team and correctly convey their point of view. in addition, volunteering is an opportunity

to try yourself in new areas to understand what kind of work you like best and decide who to study next. of course, the child will feel more confident when will see that his work means and brings help to other people. why is it so interesting today in general among modern youth, and we have 19% of russians persecuted. considers himself a volunteer 19% of russians are considered volunteers, but among young people the percentage is 30%. significantly higher. why, because it's actually an opportunity, er young man. just in a sense, learn about life, because you form in yourself important skills, teamwork skills. yes , usually volunteering. it's always command history of leadership skills present critical thinking. yes, he solves certain problems by coming up with these solutions.

finding answers to questions in the course of this or that project develops in itself, just the same analysis of smart critical thinking from volunteering, you can get not only moral, but also material benefits, ranging from a gram from certificates to benefits. when entering a higher educational institution the essence of universities is institutions. throughout the country, it awards applicants from one to ten points in addition to the results. unified state examination for active participation in volunteer programs. in addition, you can travel for free and practice learning foreign languages. the easiest way to find a project that your child will like is to study what is on the dobro.rf portal in cyrillic or dabro.ru in latin on the site , without exaggeration, collected dozens thousands of projects, in many areas from caring for animals to supporting the elderly, from improving the urban environment to searching for historical activities. to

participate in them, you need to register on platform, you can do this as simply via e-mail. so through the vkontakte login or even through an account on public services, it is best to act through public services, since you almost automatically receive an e-book. as a volunteer, it will contain information about what projects you participated in and how many hours you spent on volunteering, all this data, then there will be automata. transfer to universities, when it comes time to enter, quickly gain hours right before applying, it will not work , only those volunteer tasks are taken into account, which are completed at least 3 months before admission. therefore, the sooner your child becomes a volunteer, the better for schoolchildren. this, of course, is also an opportunity to get additional use points; today, in accordance with russian legislation, you can get up to several points , as a rule, one year of volunteering

, one additional use point if a student, for example, three or four years, uh, devotes himself to a social project, then he has the opportunity to, uh, hundreds of russian universities. uh, more than 200 universities just these scores get 3 4, and the use scores , you know, are actually very, which means that such support for the social asset is following that. what information gets into the volunteer’s e-book can be done through the public services portal in the section obtaining information about a personal e-book in a volunteer. of course , it is available only to those who have an account in the dobro system. rf extract from your personal book will come to your personal account, a maximum of 5 minutes after you order it , let's say you don't have any nearby volunteer projects. or those that are not suitable for you or your child, then you can make your choice to become an initiator

, either an organization or just individuals, the topics and directions of a volunteer project can be very different. the main thing is that they benefit society, that is, they are of a social nature if you lack knowledge and skills and you have no idea how to launch social projects. there is a solution on the portal. you will find a library of courses for hosts where you can learn everything. example plan and implement volunteer initiatives promote your organization build relationships with authorities and commercial partners receive support for the development of the volunteer movement. so let's repeat. the main thing to be a volunteer is a useful honor. you can meet new people, learn various skills to travel for free, and the hours spent on volunteer projects bring additional points when entering some universities, the achievements of volunteers are entered into a personal e- book, which can be viewed through

portal of public services to offer their own volunteer initiatives can not only organizations, but also individuals who want to learn more about the state youth policy, for example, about the entire russian movement of children and youth. write to us on telegram and send your questions. we will send them to an expert and tell you about everything in the next editions of our instructions. dad on file mom in chile and children on bees, when the family has a bee for the whole family in the beeline application beeline is on your side 20 years ago, we became the whole family alpha insurance clients and moved to another planet. we easily take out insurance for traveling around the country and pay for the policy in any convenient way. alfastrakhovanie connect to the services of the future for

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for life vtb well, video is very popular in russia, listen to music. infantry is infantry. it's just running in the field. a tank is a tank. this is power, there the heart beats when this armada starts up and starts to go. i went to the green checkpoint , just got up in a column and flew in through a package of hailstones, interaction took place art shelling, if video filming from mercenaries

in which casco throws where it says only in america the same tanks stopped working, they did not expect that we would already be in the center of the city, so that there would be no inside for our history. we are at the so-called zero stage of the m12 highway, which will connect moscow with kazan , here the m12 will join the moscow high-speed diameter and the yula yuzhnaya regional highway with the lytkarinsky highway. if sms communication will be in september, then on the route near moscow according to the plan. it will be possible to leave at next year. this will seriously reduce the load on the existing road network to check how the construction work on m-12 is going. the chairman of the board of the author vyacheslav

petushenko arrived today at all sites. we have about 30,000 employees. e workers. e work is organized around the clock. uh. so very tense, i can say that in the history of the russian federation such short terms , such objects were not implemented at all 800 km proved, we will build it in less than 3 years, and every year we handed over 200-300 km there. total length, highways m12, 8.00 km the new high-speed highway passes through murom arzamas sergach and kanash to the settlement of shali. in tatarstan, a partial road was launched already in the twenty-second section from the central ring road to a-108 moscow big ring bypass, petushkov of the vladimir region and an alternate of the southern bypass of vladimir, only 107 km

, the main part of the route will be opened this year. under our contract, the contractor had to finish everything in the middle of the twenty-fourth year, but thanks to the fact that the government provided us with advanced financing and the state company raises money from the market. in the month of september we have to get to arzamas. and this is 400 km from moscow. well distance. it's not, yes. the most important time. right now, we will drive to arzamas in 3 hours, to vladimir in an hour and a half, and after the opening of the entire highway. it will take 6 1/2 hours to travel from moscow to kazan along the m7 highway through vladimir nizhny novgorod and cheboksary , such a trip by car takes 12 hours or more, and to nizhny novgorod, depending on the traffic situation, you can drive from 7 to 9 hours from the main passage , it will be completed by the end of the twenty-third year, that is, already from moscow to the kazan bypass

and the kazan bypass will be built, but besides this, we still have an additional question somewhere then the congresses will be somewhere landscaping, somewhere the construction of honest structures. here is the whole volume. we are already completely, well, the concept of delivery of receipt, then the decision on water will be complete, uh, ended 24 round-the-clock, 30,000 specialists and 9,000 units are involved. work techniques divided into nine stages, for each of which different contractors are responsible, and they in turn attract. there are better specialists in the road construction industry, let’s say, the longest length of this overpass is about 280 m. now at this stage we see that concrete work is already being done on the bridge deck itself, the permitted speed on the highway is 110 km/h. roadside surface, increased requirements.

asphalt concrete is literally designed for loads and climatic conditions and laid in three layers. but before laying it, they check the quality literally, at every stage of the m12. there are asphalt production plants and laboratories of old gost asphalts. this means new mixtures that were, uh, specially applied on the m12. here they are characterized by more e, stable means, if with regards to the upper layers. even coatings are more resistant to wear, because modern modified battles are used there. if with regards to the lower layers, in this case, due to the large amount of rubble due to modern technologies and again through the use of modified new bitumen. eh, also these constructs are characterized by very good strength. but besides the usual

asphalt, the temperature of which is 170 degrees , there is also one that makes bridges and overpasses more durable, its temperature is 200-210 degrees. this is a plant for the production of asphalt in the north-east of moscow worked. here in the thirties. everything from here was used in construction. vdnkh today there is a company that produces the so -called cast asphalt. it is used when construction of bridges and overpasses , arsp has been operating on the market since 2009 at the fourth stage of m12, for example, the lowest layer of the road surface on all artificial structures made of poured asphalt from this plant. the price of asphalt is a special recipe that allows, on the one hand, it is possible, but, as it were, probably, in a way to cover bridges at the same time. it is rigid when it hardens and

becomes rigid and can withstand heavy loads. e transport for what it is needed for the safety of bridges, the main trouble of bridges is it is water that concrete is destroyed by the action of water. uh, in winter, water gets in, it freezes, it breaks asphalt, that is, the cast protects 100% from water ingress, uh, the bridge brings crushed stone from karelia from different regions of the country , polymeric bituminous binders from the moscow region, mineral powder from kaluga and like this deliver such hot asphalt. this shit came from a specially designed machine to load the next batch of asphalt fuel tanks. here is the control panel where the temperature is set. rpm is set here, and it automatically maintains a certain temperature, which is the rpm you specified. well, the most important thing is to bring

it all to be normal, but from time to time you need to stop to check. well, there is such painstaking, work and responsibility. already this autumn, it will be possible to pass through aku on a new cable-stayed bridge. during its construction , unique technologies were used, which are used in our country for the first time now on e, which seventeen where times are innovative video reinforcement technology from the bone part with flexible reinforced concrete slabs, this innovative technology has never been used in road construction before the construction of m12. it allows e to eliminate the erosion of the embankment at e, the tent of the river. it allows to speed up the construction process by almost three times more than half. uh, there is the name of the quantum system of domestic

production, anchorators. hydraulic equipment software, i.e. russian engineers specialists foundations and 36 parvats with a length of 30 to 140 m. all of them were produced here at this plant in moscow - this is a type of suspension bridges that are held by ropes, and there can be one or more pylons to the pylon from the pylon to the superstructure, where the transport canvas is located uh, ropes attached. these ropes are held by special , especially complex devices, the so-called until recently, cable-stayed bridges in russia were made from foreign components, but the working

group organized by the avtodor state company at the fourth stage of m12 together with bridge builders and metallurgists developed the patriotic vants system , starting from materials for the production of components and ending with a software and hardware complex for installing a quantum system for a bridge across the oka , 75% domestic, that is, in general, the bridge is up to 90% from russian materials. you and i are getting quantum collets from carburizing furnaces. the temperature of their heating is 900 °, and with the imitation of this, the saturation of the surface layer is a special recipe according to which collets are made for a mass of physics. folded in a cage and the system holds the steel rope. for example, on the oka, this entire clip can hold up to 1000 tons before the ropes send the setting. they, like asphalt

, are tested in the laboratory of about 200 tons of ropes, each rope is assembled in pieces of 2 tons. from each drum to 2 tons. we take two samples and carry out tests that confirm the quality of each bouquet, respectively, on this machine. uh, a sample of a seven-wire rope. similar to the one installed on moscow across the oka , a break will now occur and the machine will fix with what effort? with what hood this event happened already the next quantum bridges in russia can be built entirely from russian materials. and now in september. we have to complete all our certification tests and confirm that 100% now we can build such bridges using 100% domestic materials. another important feature

of the m-12 highway, the emphasis on roadside infrastructure, road service facilities are being implemented in parallel with the construction of the road itself, they are part of multifunctional zones the flows of cars and trucks are separated there are stops for buses and exits for passengers refueling stations for trucks and cars are separated, which greatly speeds up the process there is where to relax get advice on fare payment in the coming years at the mfc, there will be hotels, service stations and other facilities service, depending on the demand of road users, three mfcs have already been opened on m12, two in the moscow region and one in vladimirskaya by the end of the year, when traffic from moscow to kazan has been opened along the entire length of the new road, 16 multifunctional zones will operate, in the future their number will increase to 32 good afternoon. hello

elena, tell me what questions. we are usually contacted here with questions about paying for the m-12 podskat. how to pay? uh, that is, the most convenient way to pay for the fare is to purchase our transponder device. e, with which you can pay, and travel on all toll sections of russian roads. it will pay for the position check yes according to the license plate, which you could have formed. it will also be possible to replenish the balance of the personal account of the transponder, that is, to continue moving. and if i don’t have transformers, what should i do to pay for the position on the m12 according to the state number in the event of a breakdown or accident on the m12, you can call an emergency commissioner, well, the car is equipped, firstly, with signs. in the event of an accident with chips cones and further. a set of tools for jacks

in case citizens, for example, are inserted. with gasoline, you can also contact yes. and the asterisk 23 23 thanks to the m12 highway, many cities, for example, vladimir arzamas nizhny novgorod will become more logistically accessible not only motorists, but also businesses will be able to deliver goods faster to their destination new opportunities will appear for the development of domestic tourism according to forecasts , the macroeconomic effect of the new highway may be about two and a half trillion rubles live along this route. and in general, only on the section from moscow to kazan, eight regions adjoin these all people will feel great pluses, because in addition to this main route. we still and we are putting all access roads

in order, that is, it will be expanded, which means more than a thousand kilometers, the road, which today has two lanes, which crosses once and expanded to four-lane m12, is part of the national transport infrastructure modernization project. the highway will help develop the economic potential of the agglomeration, connect 17 major regional centers, bring freight traffic outside the settlements and improve road safety. how is a paratrooper different from any other warrior? i think first of all character, but

only then everything else is a matter. acquisitive, from the side of basco it is now hot, not cold. they didn't even get there. why is it better, because we have a spirit.

let's fly, quickly the territory is dangerous. we were already here walking with you in the morning everything happens in the morning position, handsome. we go, we go, we go, we go, and here who we are, everywhere we do not reach them from the other side. we have 300 meters here.

about the main events of this minute in our news release, the russian army repelled 12 attacks , zelensky’s formation lost more more than 900 soldiers, officers and mercenaries , four tanks and 14 other armored vehicles, as well as 12 self-propelled guns and howitzers, including american and polish ones, were destroyed and the situation on the front line more aleksey baranov