"hello, let's start with light industry, because for the ivanovo region this is a traditional industry, and speaking of development, i would also like to note that when the president was in uzbekistan, we also talked about this, and you were part of the delegation, like today is this area developing in the region, and to what extent has the impact of sanctions on the country affected its development? well, we really are still the heart of light industry. by the way, i’ll give you a few figures: the first month of 24 saw an increase. 14%, previous..." periods there was also growth, our online entrepreneurs are entirely their merit, they already trade more than 100 billion rubles a year, we are the leaders in the country after moscow and st. petersburg in this indicator, as for uzbekistan , it is very important for us to have a stable supply of cotton yarn, they are coming, our colleagues are fulfilling all agreements, there were deliveries in the nineteenth year of 54.00 tons, now there are already 82,000 tons, in uzbekistan we managed to conclude a new agreement on the continuation of these supplies, but not only...

on world markets after february 2022, can we already talk about trends? on world markets, which ones? in the west, in ours, if i may, well, there is no abstract market, there are different markets, what kind of market do you have in mind, after all, what interests you more, in what, currency exchange markets. well, exchange markets, well

, look, as for the exchange market, then the commodities market, that is, the market, the commodity market, today it is obviously in the stage of its uh, let’s say, overheating of the search for stabilization, the stock market, if talking about the western stock market , primarily the united states, it is obvious that there is overheating there, because the company, let’s say, well, situationally technology companies, but the invidia company, for example, is worth more than the entire economy, the entire market, the german economy, that’s true , this cannot be so, therefore , obviously segmentally there is overheating, on the one hand, this shows the faith of the market as a whole that technologies, technology companies will determine our future to an extent that this has never happened historically, on the other hand overheating is obvious, if we talk about our market then... well, you saw the shock of 2022, and

in fact, in a year and a half, the russian market has completely recovered from the fall of the 22nd year, if we talk about our shares, then we have reached our and historical highs, in in general, which also shows the confidence of the markets that the russian economy will overcome the difficulties that it faced as a result of the geopolitical shock of 22, so in general, well, in general , we saw today even...

and quickly and well, as a rule , this contradictory things, if we want to talk about changing structural changes in business, business models or the economy, it takes decades, if we talk at the company level, it takes, well, at least 5 years, so you need to start investing now in order to so that the result appears in the case of a company after 5 years, in the case of a state after 10 years, but again.

technology, in particular artificial intelligence, it is moving these deadlines, you saw a speech today that says that the car production cycle has been shortened.

a single standard allows the use of several solutions, and this means competition, and this is the most important thing, the central

bank hears this and they are now working together with the central bank to look for solutions. i think that if the central bank did not care about competition, it would have already made other decisions, but since competition, including technology, is a key driver of development, i think that is why the central bank started this topic discuss while there is no result yet, we are in the process of discussion, that is difference between one.

shares in sberbank, at the end of the twenty-third year, the ministry of finance announced a list of about 30 companies that could be partially privatized, and sberbank, apparently, was not included in it, what do you think, but can this happen in the near future, what do you think about this idea, what prospects do you see, thank you, i have a positive attitude towards the idea, but apparently, it is unlikely to happen, why do i need to ask? our owners, the state apparently does not want to part with our stake, because you see, it is growing over the past year almost doubled and we are still a management company, there are owners above us, so we need to address the question to

them, thank you very much, friends, thank you very much, we are moving to the forum, it was a live broadcast of communication with the press by the head of sberbank hermann. my legs just go numb. such bells may indicate bad blood vessels. it is important to strengthen blood vessels. angionrm helps improve microcirculation, reduce the risk of blood clots and strengthen the walls of blood vessels. angian, keep the blood vessels normal. to our senior loved ones dedicated. convenient loans. great contributions. in the branch and online. special conditions, especially relationships. in the russian lotto we will draw

a golden barrel for country houses in honor of the anniversary, an additional chance to become a millionaire in each draw. tickets on the website in stoloto branded stores. what do we bring from our travels with avito? cashback bonuses for your next trip. avito travel, everything will go as booked with cashback and bonuses. dazzling white friday, discounts up to 50%. tefal iron for only 3.499. envideo eltorada, chief expert on white technology. i am something good, something better. and i'm useful, oh yes. and you control me, regularly. oh, i’m the new vtb loyalty program. vtb. select the categories you want each month, such as clothing, groceries, sporting goods. and you get cashback up to 25% on any vtb card. rubles, thank you, thank you, you can’t put it in your pocket, here are rubles, vtb, together

everything will work out, there’s appetite anywhere, dad, only dad will cut it, there’s an animal, sausages will help, with one iota your money won’t fly away, there are big minutes left, we’ll return it for them rubles, you can iota. in the summer with yandex food you can there is a lot to do: try all the flavors of ice cream, relax in the fresh air and get new experiences. have time to try more this summer with discounts of up to 60% at yandex food. if you are, be the first, the first, whoever you are. jedrive fuel unlocks the potential of the engine and those who strive to be. tested in racing conditions. be first. attacking

credit card debt? i'll show you a couple of tricks. we collect all credit card debts into one loan and conveniently repay them within 24 months. and don’t forget about purchases in installments. kholva - simple installment methods. go to the sportmaster application and register in the sports event posters section. tecno - photos with stunning clarity and video in resolution. and 4k new series of smartphones common 30 techna. real hunting is when the prey is almost in your hands. when the main trophy is right in front of you from 20 million, every 15 minutes for only 100 rubles. hunt, come out to win. stoloto. remember what they told you when you decided to open a business. you can’t make money on honey, it’s a swarm of problems. because you're doing everything wrong, continue, send all payments and transfers

without commission, open a business account with alfabank. alfabank is the best bank for business. thanks to shopping at the megamarket, someone will reach the finish line first, someone will create comfort in their apartment, someone will go on a long-awaited vacation, sellers at the megamarket are changing the world. hurry up to open the best deposit in sberbank up to 18% per annum before the end of june. we continue the broadcast, and after sberbank’s authors passed through, and germangref made his statements, it is logical to listen to the statements that were made by others members of the board of sberbank.

our flagship deposit today was offered the best interest rate of 18% and we see how people really react to this and actually transfer additional funds, so it seems to us that this is a very good project, by the way, higher than the key rate, yes of course, this is what we are talking about deposits, if we are talking about loans, then on the one hand the situation with loans is not very dramatic, that is, we do not directly see a reduction in volumes, at least for consumer loans, if we compare the year year-on-year, we have approximately even... growth of about 3% today, relative to the pace of last year, despite the fact that the requirements in terms of the macroprudential requirements of the regulator, in principle, for borrowers, have become quite strict, on the other hand , we see that in addition to the fact that our rate of issuance is growing, our rate of early repayment is actually growing, so since the interest rate is still higher, clients

strive to pay off faster and actually reduce the debt burden, it seems to me important here, what... we don't see there is no such thing, i would say, a bubble, perhaps, yes there, because the level of income of the population is growing even faster, so here , on the one hand , the loan portfolio and the number of clients who are borrowers are actually increasing, on the other hand, the income level of clients is also growing , well, actually , again, the deposit base confirms this quite well, then let’s talk about another possible danger, since may - with the help of the fast payment system, a client can transfer up to 30 million to himself, in my opinion, there are limits per month. you said earlier that do you see a danger in this due to the risks of fraud, what specific danger do you see and how then to take these concerns into account? the main concern was that different market participants have different settings for fraud monitoring functions, and we see that we now essentially have a cyber battle between fraudsters and banks, when fraudsters find somewhere an easier

way to for example, let’s say, withdrawing the client’s funds, that is, they convince him of something. from the point of view of social engineering, actually the client is deprived of this money when we talk about a transfer there, for example, from us to another bank to himself, at this moment i cannot understand whether the client is under social engineering or not, this is his money, which he transfers to himself, so here we essentially just somehow fulfill the client’s decision, if he transferred money from us at this moment, then we generally have very strong fraud monitoring algorithms based on artificial intelligence, where we stop a large number of frauds. it must be understood that in fact, there were transfers to oneself before this, that is, they simply came with a commission as such, but at the same time we never considered that this was some kind of significant, restraining factor, because, for example, for 30 million rubles the commission, our maximum commission was 5.00 rubles, so for 30 million this is a percentage, that is, in fact, to say that this is hardly any direct factor, well

, in fact, we are already seeing today with you on june 6, mitumi transfers are working . we see in general at this moment even an influx funds to our bank, in principle, but at the same time , of course, we continue to monitor whether any new social engineering schemes have appeared, when first money is transferred there from bank to bank, and then somewhere, perhaps, there is someone there, so let's say, a way to get this money out of there. since the beginning of the year, sber, as far as i know, has been issuing preferential mortgages only if there is a special, so to speak, agreement with the developer, that is, you must buy from a partner with ber.

in other banks we have reduced the commission to 4.9%, that is, we adjusted this program so that, on the one hand, the bank retains some element of profitability, on the other, so that it is available to clients, and we see that today we have our share in issuing new mortgages again exceeds 50%, so we believe that this is generally the case in the market, at the same time it is clear that for now it is significant, in fact, everyone’s focus is on government programs, because taking into account what we have already said about the key rate. e programs are not subsidized, objectively they have a fairly high interest rate, there are volumes there, but of course they are not comparable to those that were last year or 2 years ago, because the level is just your expert forecast? on the development of the mortgage market as a whole this year, what could the rates be, how will this affect the demand for mortgages? in the meantime , it is difficult to make a final forecast for one simple

reason: as i already said, now a significant part of the issuances are government programs, they today exceed 65%, and at the same time we understand that from july 1 the programs will be modernized, that is, we are still up to the end we don’t know the final format, that is, the final conditions, so after this it will be possible to make a final one. forecast, i would say for now that the volumes of this year will definitely be less than last year, but for now, this is probably not such a dramatic forecast, but we’ll see what the program will be, because if government programs are reduced significantly, this will have a fairly significant impact on the volumes of the second half of the year, a year ago here on the forum, it seems, you announced that sberbank would carry out money transfers to india, as in general now with the topic of foreign transfers, because it’s still important for... some people, so maybe to which countries will it soon be possible to make transfers using sberbank? yes, you are right, in fact , 10 more countries have been added this year, today

sberbank clients have access to transfers to up to thirty countries directly from the sberbank online mobile application, we do not say loudly where and how, because such sensitive information is always very sensitive, you will find out, but it seems to me yes, clients can find out, our task, of course, is to look for ways...

based on the level of digitalization, there are those regions where it will be 77 and 8%, somewhere it will be less, 4%, but this is a big plus for regional production, so we are helping our regions as much as possible, of course , to build up this technology, one of the new may decrees concerns technological sovereignty, the development of new technologies , the creation of new markets in general, these are the opportunities that open up here, maybe you see some barriers. what is required here? one of the main technologies on the basis of which the economy of the russian federation will develop, there will, of course, be artificial intelligence, in fact, the national strategy until the thirtieth year is dedicated to the development

of this particular technology, we see that already now artificial intelligence technology has made it possible to earn about 1 trillion rubles for the entire economy of the russian federation, this is a decent amount, it will continue to grow , as we know, 11.2 trillion rubles up to... a year, but in order for this figure to be obtained, in order for this effect to be obtained, it is necessary to solve quite a lot of problems, this is the task of personnel, the task of computing power, the development of science and, most importantly, the implementation of this solution in every direction from the industries of the russian federation. tomorrow you will have a sberbank session dedicated to new technologies, even more specifically dedicated to technological entrepreneurship. and startups in deep technologies, what is it? tell me in more detail. look, the most interesting, brightest, coolest ideas come from small

technology companies, startups, what we call deep-tech, these are companies that are deeply focused on new breakthrough technologies, and there will really be a lot of interesting things there, even just to watch, so we are happy to invite you, but it is very... important that these technology startups give new ideas and meaning to many areas of our business, and then large companies, people like sber, like our other partners, will be able to pick up and pull further, this is a great development and, by the way, in order to support young guys, we are planning, together with the mipt startup studio, to make a big joint project and separately at our international startup challenge, this is such a big international competition. we will invite guys to make special solutions based on our neural network, which is called gigachat, so we will develop both debtech and

artificial intelligence, everything is fine, success to you. thank you, thank you, thank you, what can negatively affect the liver? constant stress, unhealthy diet, environment, this can lead to inflammation and destruction of liver cells. two phosphoglyph components help not only restore cells liver, but also fight the cause of their destruction, inflammation. phosphoglyph. now in an economical package of 96 capsules. hand- held steamer and car refrigerator kitford with discounts of up to 19% or electric lawn mower nocard with a 208% discount on yandex market. sber has increased deposit rates. now the best interest rate is 18% per annum only until june 30. hurry up to open a brokerage account to receive three sberbank shares as a gift. deposit is the best percentage. meat sauce, rich, hot,

filling with meat and noodles. the real hunt is when the loot is almost in your hands, when right in front of you is the main trophy from 20 million, every 15 minutes for only 100 rubles. hunt, come out and win gold, one of my friends is getting ready for a new party, we need costumes, keep it cool, dad, we’re out of internet, and so are the minutes, but dad will connect now.

in the summer, you can do a lot with yandex food: try all the flavors of ice cream, relax in the fresh air and get new experiences. have time to try more this summer with discounts of up to 60% at yandex food. thanks to shopping at the megamarket, someone will come to finish first. someone will create comfort in their apartment, someone will go on a long-awaited vacation, sellers at a megamarket are changing the world. megamarket - just grow with us! it’s hard not to notice the legendary alfabank credit card with a whole year without interest on all purchases. you receive super cashback in rubles

every month. and withdraw cash for free from any atm. not just profitable, alpha profitable. we continue to work on the sidelines of the st. petersburg international economic forum and are now returning to the interview with the governor’s office, the governor of ivanovo region, stanislav voskresensk. good afternoon, stanislav sergeevich, hello. let's start with light industry, because this is a traditional industry for the ivanovo region, and speaking of development, i would also like to note that the president, when he was in uzbekistan, also talked about this, and you were part of the delegation, how this area is developing today in the region, how much did the impact of sanctions on the country affect its development? well, we really are still the heart of light industry, by the way, i ’ll give you a few figures, and the first month twenty-four year growth was 14...