quickly analyze and present and present in a compressed form the entire amount of necessary information and, as a result, quickly find and realize your purpose. we are often asked the question of how a client-centric model differs from a person-centric model. and indeed, there is not yet a single company in the world that can call itself truly customer-centric. should we immediately talk about the need to transition to human-centricity? in a human-centric way of forming goods, services, everything around a person, in our opinion, and even today

tools allow you to do this, so what is the difference between client-centricity and person-centricity, best of all, of all the examples that we found, this can be demonstrated using the example of healthcare, patient-centricity, or client-centricity of healthcare or patient-centricity, is now a key trend in healthcare. and a priori, it is perceived in such a way that the person is already a patient. the entire healthcare system is built on the fact that it must provide a flow of patients. no patients, no money flow, and the system works to create a flow of patients. person-centered medicine

should be built on how to prevent a situation where a person becomes a patient; all efforts should be aimed not at quickly providing assistance to a person, his quick service, eliminating queues, and so on and so forth, but at prevention, to preserve human health, it would seem a trifle, a seemingly small difference. but this means a radically different level of technology development, a restructuring of all the incentives that many years were born in the pharmaceutical industry, various management systems in healthcare, and of course the culture itself, the culture of doctors, those people who work in the system, they

must become employees helping a person to identify potential diseases as early as possible and not become a patient, save him health. in the future , in order to make a chatbot or open your website, you will not need a programmer; you will be able to do this with the help of artificial intelligence. now there is already the first experience of gpt, nashgachat knows how to do this, but it cannot yet be said that we have turned artificial intelligence technologies into electricity, when you can simply plug it into an outlet and start using it, while these are still products that require certain skills. our task is to make people... special skills in understanding all

the complexities of the work of neural networks, their training could very easily, based on natural language, begin to use the most complex artificial intelligence systems, which provide the simplest forms for solving own tasks, if you are an engineer, then artificial intelligence will offer you the design of an engine or a spacecraft. if you are a bioengineer, he will suggest you a new form of drug. if you are inventing new materials, then he will help you with this. they were created by rossiet , based on the company deep mind, over the past 2.2 years, they have proposed a number of new materials that humanity has not invented over the past 800 years. and our task

is to provide such a tool to every person, artificial intelligence will help write music, draw a picture, find an inspiring idea for starting your own startup and open it, or help organize a party. artificial intelligence becomes a personal assistant for every person, and expands the capabilities of everyone, it helps every person realize their potential. we believe in responsible work to develop artificial intelligence for the benefit of people. will lead to the formation of a new human-centric model of the economy, and of society as a whole, we have collected, our team wants

to be part of this process and be the first to offer our client, the person, all the wealth and opportunities. which provide new technologies, the development of which we have been developing for many years. the consumer model, in which the client is viewed solely as a wallet, as a source of income, will become a thing of the past. the task of a business, a new business, is to help the client be flexible and adaptive in an unstable world. this instability, this fragility will not go away, it is impossible to imagine our ultra-fast evolution, this means that we must create such tools that will meet

and exceed customer expectations, and we must learn to treat each of our clients as ourselves, the question arises: what does this give us? we are a company that pursues commercial results as its main goal. of course, this will give us a completely different level of our trust. and as a result, the possibility of interaction and a more complex complex mechanism of relationships with the client, but it will enable us

to earn significantly more by offering relevant services, without forcing a person to make certain decisions not according to him in the purchase of goods and services that are unnecessary for him or harmful to him on the strategic horizon, we must learn to see how to operate with the long-term interests of a person, we are sure that this is trust, this is the thread of relationships, a new thread of customer relationships will give a much more... long-term and profitable business model for both parties, strategies always win over all other strategies, but jump into this new business model impossible quickly, it will take a significant

period of time, so what is our strategy for the next 3 years? our priority in these 3 years will, of course, be the development of next-generation artificial intelligence. we will continue to develop and create products, striving for a better customer experience, increase the efficiency of our processes, improve the entire stack of our technologies, in order to ensure safety, reliability, to ensure that we can make the vast majority of our decisions automatically mode based on artificial intelligence, leaving for manual operations the most complex,

perhaps the most heavily designed products to satisfy the most complex human needs. and of course, our task in these 3 years is to ensure the necessary amount of profit to fulfill our obligations. before our shareholders, before society, before our team, in the end, in parallel, in these 3 years we must prepare for the transition to a people-centric organization, in fact we are doubling the workload of ourselves by performing the usual strategy, understanding our long-term goals, creating the prerequisites for moving to a new state of our business model, and this most complex transformation

will concern three key elements, the first, of course, is technology, the second is the transformation of the business model in all key areas of our business, and of course, the third is culture, we must complete our technology. spending the minimum possible period of time on them, a period of time, better than a second, and we must create a smart ai assistant, an assistant based on artificial intelligence, which has an expert level of knowledge in all areas of our activities, in order to learn

how to personalize our services for each client, with the help of artificial intelligence we will increase the adaptability of people and organizations, we will democratize technology, there will be no need, as i already said, for in order to use these complex systems, we will help eliminate the so-called... digital divide throughout the country. these services will be available to everyone. to each humans will be given the opportunity to take advantage of artificial intelligence. and our focus will be on creating safe, controlled and trusted artificial intelligence. we will be at his base. to produce products that will meet the highest expectations of our customers and will

meet the highest technological and ethical market standards. over a 3 -year horizon, we will ensure a high return on our capital, which should be above 22%. we must provide. adequacy our capital according to the n20.0 standard is higher than 13.3% and we will have to ensure a high level of dividend payments at the level of 50% of our net profit. we will ensure the development of our ecosystem, increasing the efficiency and speed of our organization. we will create new ones. breakthrough products, while our main result will be the creation of such a level

of artificial intelligence that will allow us to create a personal assistant. but my colleagues, alexander vidyakhin, kiril tsarev, andrey, will tell you more about all this belevtsev and taras skvartsov. together with you, we have gone through a huge transformation journey. we. created the necessary prerequisites that allow us to be confident that we will be able to achieve these goals. when we began to consider our vision, we had a lot of debate about whether it was worth taking on such a commitment, such a... commitment to move immediately towards a human-centric organization. our

employees put an end to this, because they said that it is this goal that inspires us, we want to become one of the first human-centric companies. we want to become those. who will help a person unlock his potential and survive in today’s world of excess technology , information, supply, and become much more effective and adequate to the load that each of us faces today, at the end of my speech i would like to show you a short video, video, which is based on the real events of our first

depositor of sberbank, then still savings banks. nicholas cristofari, in the name, precisely in the name of nicholas cristofari, a monument, which we have novovilov standing in our main office, named our supercomputers, which are today, the basis of our technological development of our future, development based on the technology of the century, nikolai cristofari, son of the artist anton cristofari. learn, my son, remember, everyone has a gift, the main thing is to help him open up, then the world will be wonderful for everyone. you,

my judge, are shamelessly behind the realities of progress. you speak the world. father, times are changing, money rules everything, money, what will you earn from your paints, someday, you will understand, my dear, you need to serve not money, but people, at any time. it was only years later that i realized how right he was. there is something that is much more expensive than money, this feeling of inspiration that we give to people, to help other people discover their talent and create their own paths, this is the true

goal of the man of the future, in march 1842, wanting to support artists in need, nikolai cristofari made the first monetary contribution to a charity fund, thereby laying important principles in the sber brand, they are in everything we do, from p2p transfers to sms notifications, named after him by the supercomputer cristofari, serves as the basis of the gigachat neural network, which helps to reveal human potential, draw pictures, create images, write those... and moves to find inspiration, progress is constantly moving forward, new paths are opening up, and everyone will find exactly their own , everyone has a gift, the main thing is to help it open up, then the world will be wonderful for everyone. it was

a live broadcast, a presentation. sberbank's strategy until 26, but for now let's move on to other topics: vladimir putin today he will make working visits to the united arab emirates and saudi arabia. the parties will discuss options for strengthening business cooperation. according to bloomberg, this indicates the failure of washington and brussels' efforts to isolate russia on the world stage. alexandra nazarova will talk about the prospects for investment and trade with the gulf countries right now. i say goodbye to you, see you tomorrow, have a good time. news. business cooperation between russia and the gulf countries is on the rise and, above all, increasing turnover. our main foreign economic partner in the region is the united arab emirates. the country is currently negotiating with yas on the creation of a free trade zone. our trade turnover is growing and it is mainly exports, yes, that is, we have a positive balance. and therefore, for us

, this will be a giant push forward, yes, to the exit uh. bay. last year, russia’s trade turnover with the emirates reached a historical high of $9 billion. this year, from january to september alone, it showed 8.800 million, an increase of 63%. we deliver to in particular, diamonds, gold and oil, and we buy, for example, microcircuits that are re-exported. the united arab emirates is a fairly large participant in international trade, and in different directions. and in particular in his. exports in general largely include machinery and equipment, including electrical engineering, and various goods. indicators are growing in relation to... saudi arabia for the first 9 months plus 5% 1 billion 350 million dollars. by 2030, the parties expect to increase annual

trade turnover to 7 billion. an important role here food supplies play a role. also, the emirates and saudi arabia are increasingly purchasing petroleum products. moreover, regulation of the oil market is one of the main areas of our cooperation, including in the opec+ format. opec saudi arabia russian. in fact, they play the role of sponsor of the process of adjusting the oil price level, and we do this not only in our interests of producing countries, but not exporting ones, but we do this with great responsibility for the situation in the world as a whole. successful cooperation with saudi arabia in the energy sector can be expanded to include the sphere of peaceful nuclear energy, the government believes. for example, we supply nuclear fuel to the united arab emirates. the order portfolio is scheduled until the thirty-first year, its volume is almost 15 billion dollars. in the hydrocarbons segment, major projects with the national company abu dhabi are being implemented by

gazprom, novotek and look. the countries also have joint initiatives to produce solar panels and electric-powered ships. the united arab emirates, also, despite the fact that it is the largest supplier well, traditional carbon-based types of energy carriers. is also actively developing technologies in the field of alternative energy, so there may also be quite good prospects for cooperation here. one example of successful industrial cooperation with the emirates was the launch of the assembly of aurus cars in dubai. in addition, there is active interaction through the russian direct investment fund. 700 billion rubles were raised into the joint platform. 200 billion of this amount have already gone to specific projects. 21 of these sixty projects, they were created from scratch, and in fact this made it possible to build both the transport infrastructure of russia and a lot of social projects in the medical field.

for example, we are talking about a clinic that fights cancer by using artificial intelligence to test tumors at an early stage. representatives of saudi arabia, together with rdif , financed more than 40 projects from scratch. the total investment is trillion. rub. these are such important projects as the understudy of kutuzovsky prospekt, and the project of the sibur company zapsibneftim, leading technology parks in russia and projects in many other industries. also , saudi arabia is interesting for russian companies because they see prospects for entering this market, this affects companies in the field of artificial intelligence, many of our companies that see the growth of the saudi economy. next year , saudi arabia and the united arab emirates will join, this will open up new opportunities for expanding business cooperation, and the development of the north-south transport corridor will also have a positive impact.

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vladimir putin will visit two middle eastern countries today, the united arab emirates and saudi arabia.

at first. the head of state will arrive in aba dabi. the first plane should land at the airport of the capital of the emirates within the next hour, we are waiting for a live broadcast of the arrival. negotiations are planned with the president of the emirates mohamed ben-said al-nahyan. the focus will be on cooperation in trade, energy and regional issues. the parties will also discuss current issues on the international agenda. russia is actively strengthening ties with the gulf countries, and durability. american support for ukraine is already in question, especially given the absence of military personnel success in the armed forces of ukraine, reports bloomberg. according to the author of the article, the upcoming visit of the russian leader to variyat indicates the failure of washington’s efforts to isolate moscow. the kremlin expects highly relevant negotiations, including on strengthening the brix and israeli reconciliation of palestine, as well as on the russian-ukrainian conflict. a little more than a week remains until the end of the year.