mom, why do we need these letters for a fairy tale. in the three ninth kingdom, the three tenth state.

let's translate from office language into understandable language, everything is not so scary if there are instructions. the ninth eastern economic forum opened in vladivostok. the main theme of this year is the far east 2030. let's combine efforts, creating opportunities. my colleague irina matyushenko also works at the forum. alexander alexandrovich, hello. hello. we see how the bank of russia has been systematically increasing the key rate lately

and it seems it is not going to stop, the rate already quite high for the economy, how does this affect lending, what trends in the corporate segment do you all note? it should be noted that the key rate instrument is quite long-lasting, so now we do not see a change in the growth of the loan portfolio, moreover, at sbir , for example, in july it even increased slightly, the rate simply increased, that is, we issued 1.7. 1.9 trillion in this july we issued 2 trillion rubles, well, the figure is quite large, and we changed our forecast growth of the loan portfolio to 17%, that is, we set the range at 14-17%, we think that the corporate portfolio will grow, but then something very important happens, firstly, we see that the portfolio structure is starting to change, our clients are completing or... have completed those

investment projects that they had started earlier, for which, in general, they chose money, which were approved, and so on. our clients practically do not start new projects, or these are some very precise, individual projects, possibly projects with state support, and so on. we also see, that our clients who were engaged in the construction of residential real estate, they have become much more careful and in general now there is no... there is also such a wave of projects, so we see that what we call a pipeline, what we are like a package, our portfolio of applications, it is decreasing, on the one hand, on the other hand we see that working capital lending is increasing, that is , what this shows, this shows that at current rates, enterprises do not have enough money to, well...

assessments at the end of the year, when it may already be rate cuts will start? look, the rate cuts will start when a steady downward trend of inflation starts, it 's obvious here when this could happen? and now, according to early indicators, which we call ks, we see a slight downward trend change, specifically in terms of inflation, but will it be enough for the central bank to make a decision on... a rate cut

is definitely not, that is, there will be no cut, the central bank will still be between making decisions on an increase. let's see what the regulator does, here in my understanding, now it's 50/50, either they'll leave it as is or make an increase. you said that mechanisms such as concessions and ppps play an important role in implementing national projects. how are these mechanisms developing

here, using the far east as an example? we work very well with the far east. we currently have a ppp and concession package worth about 20 billion rubles. that's 10 projects, fairly large projects that we're developing . we believe that overall there's still a lot of potential to use these tools here. artificial intelligence, digitalization, we see how all these projects on artificial intelligence are increasingly entering all spheres of the economy, including the banking sector. if we evaluate in money, in some economic effect, what profit, so to speak, the introduction of artificial intelligence brings. biro, in which segments is it most profitable? we calculated how much we earned in 5 years due to artificial intelligence - this is 1.5 trillion rubles of net profit, this is decent money. if we talk about forecasts, we will earn 1.5 trillion, 450, 400-450 only

in the twenty-fourth year. in the future, these figures may increase or this is the limit and so on annually there for 5 years to come. it depends on the age of the business. and well, first, let's look at the overall picture, we believe that by the thirtieth year , artificial intelligence will give an additional 11.2 trillion rubles in terms of gdp, well, this is written down in the national strategy for the development of artificial intelligence, which was signed by the president, and for the far east this figure

is within 700 billion rubles, which is also quite good, and the main ones are the regions are leaders here and... these are tools to earn more profit. what drivers of corporate business development do you think exist in the far east? first of all, this is a geographical driver, this is everything related to logistics, this is the port. today we were at the port, we saw how it works, it is really very interesting, and at the same time this is a huge potential, well, we can definitely expand, that is, the first is logistics, everything related to china, everything related to the east, this is right there, the second is well

natural resources of the far east, this is fish, we actively work with all the fishmongers, as we call them, yes, who are in the far east, this is also... gold miners, well, which accordingly is more in the magadan region, mining, where we also actively cooperate with our clients, that is, this is the second such topic, the third big topic is tourism, my family and i were on the kuril islands this year, a fantastic story in general, a wonderful trip, i became an ambassador of the kuril islands and sakhalin, but there is practically no infrastructure, of course.

russia is the most important ally for mongolia, the second largest trading partner after china. every year, trade turnover continues to grow slowly but surely. and in 2023, it exceeded 2 billion dollars, and in the first 7 months of this year it rushed to one and a half billion. it is important that settlements are carried out mainly in national currencies. this year, russian exports increased by 22%, exceeding 1.400 million dollars, while imports amounted to 21 million. in the first 7 months of this year trade turnover increased by over 21%, and

commercial settlements between our two countries are almost entirely carried out in alternative currencies to the dollar and euro. further growth of mutual export-import operations would undoubtedly be facilitated by the establishment of close contacts between mongolia and the eurasian economic union. russia supported the idea of ​​concluding an agreement. free trade between mongolia and the eurasian economic union, this will allow mongolian producers to export a number of goods duty-free goods to the eu market. the main article of russian export is, of course, energy products. our country has long met mongolia's fuel needs, in particular 90% of gasoline and diesel. following the negotiations , a new agreement on cooperation in the field of oil product supplies and an agreement on the reconstruction of a thermal power plant in ulaanbaatar for a triple.

the government of the russian federation on between the government of mongolia and cooperation in the field of oil and oil product supplies an agreement on the development basic project for the reconstruction of the tets-3 thermal power plant in ulaanbaatar. the meeting discussed the prospects. of the union east gas pipeline, which could become a continuation of the power of siberia-2, the project provides for the possibility of deliveries to mongolian consumers. currently , a state examination of the project is being carried out, an assessment of its impact on the environment is being carried out. this is not just about the transit of russian gas through mongolia, the possibility of deliveries of this fuel to mongolian consumers is also being considered. gazprom is ready to provide the necessary support.

from the point of view of imports to mongolia, certainly establishes bilateral ties, and mongolia needs investments in energy, in infrastructure, in many areas where russian companies can offer their services and be present in this market economically beneficial for themselves, increasing our relations in investment trade turnover. and also expands bilateral exchange in the field of science and technology, education culture. mongolian students in russia occupy the fourth place in terms of numbers, after representatives of china, india and vietnam. together. training of personnel is an important aspect in strengthening the economies of friendly countries.

we watch to learn about the world, educational programs and documentaries. we watch, we watch in the application or on the website. what is memorable about this day in history, we will tell you right now. hello. on september 4 , 1870, in paris, the rebels. broke into the legislative assembly and forced the deputies to depose the last emperor of france, louis napoleon or napoleon ii. nephew of the famous bonaparte. he came to power in 1851 as a result of a coup d'etat, burying the second republic in a row. the first was liquidated by his uncle at the beginning of the century. however, louis did not inherit the talents of his ancestor. he considered himself a great commander, waged wars of conquest, but suffered a shameful failure trying to bring distant mexico under his control, so in 1870, when the regime in france was cracking at the seams,

he decided to fix things with a victorious war with prussia. as a result, napoleon ii was defeated at sedan and the ruler, by the way, bismargue called it an unrecognized but large mediocrity, surrendered to the germans. a republic was proclaimed in france again, the third one. seventy years later, it was defeated by hitler, and after the victory of the ussr and the allies over germany, a fourth one appeared. not long before the political crisis of 1958, when it was replaced by the fifth french republic, which remains to this day. on september 4, 1946 , anna akhmatova and mikhail zoshchenko were expelled from the union of writers of the ussr. two weeks before this, a devastating party resolution was adopted on the magazines zvezda and leningrad, where these outstanding writers. their works did not fit into the officially approved cultural canon, pretentious, praising soviet totalitarianism. akhmatova was called a typical

representative of empty, unprincipled poetry alien to our people. officials were irritated by her emotional, sincere poems. i don’t need odic crayfish and the charms of legalistic undertakings, for me, in poetry, everything should be out of place, not like people, odessa funny story zoshchenko, the adventures of a monkey were declared, quote, a vulgar libel on soviet life on soviet people, this the persecution became the beginning of large-scale repressions against cultural figures, akhmatova and zoshchenko stopped publishing, were deprived of food cards. in the fifties, with the beginning, they were unhooked and reinstated in the union of writers, but the shameful party resolution was cancelled after their death. on september 4, 1962 , a statement by us president john kennedy was published about the supply of soviet weapons to cuba. he reported that this was an air defense system and

torpedo boats with anti-ship missiles, but specified that he did not have data on the deployment of offensive missiles. capable of reaching american territory. otherwise, the president emphasized, the biggest problems would have arisen. in fact , such missiles, ballistic, medium -range with nuclear warheads were already in cuba. the soviet top-secret operation anadar for their delivery and deployment was in full swing. by starting an arms race, nikita khrushchev wanted to teach the americans a lesson in achieving a strategic balance, or even an advantage in favor of the ussr, and for this purpose to make the island of freedom their military outpost. in the western hemisphere. considering, that a year earlier, the americans had deployed medium-range missiles in turkey that could reach the soviet union. but after kennedy's statement, khrushchev ordered additional nuclear warheads and missiles to be delivered to cuba. a month and a half later , the cuban missile crisis broke out, putting the entire world on the brink of destruction. on september 4

, 1980, the book "small land" was signed for publication. the author, the head. brezhnev was then a colonel, the head of the political department of the eighteenth airborne army, and participated in battles there. memories, of course, a group of journalists wrote for him, under the leadership of the director of the tas agency leonid zamyatin. it turned out interesting, but the inflated role. of the previous one in the war was not understood by the people. the book was praised, discussed at factories, in institutions, schools, the author was awarded the lenin prize for literature, but all this caused irony and skepticism. two years later brezhnev died, and libraries sent numerous copies of his work, published in the country in a circulation of fifteen million, to the waste paper. they removed it from

the school curriculum. and yet, it was written and the widely publicized small land was not in vain, and the exploits of the defenders of the bridgehead. in novorossiysk we remember. this is what this day in history was like. the all-russian state television and radio broadcasting company, with the support of the ministry of digital development, communications and mass media of the russian federation, the administration of the governor of the perm territory, invites television and radio journalists, directors, correspondents of newspapers and

online publications to take part in the twenty- seventh all-russian patriotic festival of mass media. shield russia, which will be held in the city of perm from september 24 to 28, 2024. creative works for the competition are accepted until august 23. detailed information on the website www.shit. rus. getting into a budget place is not an easy task, so many applicants choose paid education. money for study can be obtained from a bank on preferential terms with state support. in 5 minutes , we will tell you how to get a loan for education and what are the subtleties here. the main and most advantageous difference between an educational loan with state support is the rate of only 3%. of course, banks do not work at a loss, such loans are simply subsidized by the state, they are issued only in four credit institutions with which the ministry of education and science has an agreement, these are sber, tbank,

rnkb and almaz ergank, you can get up to 100% of the cost of education, the term, the time while the student is studying, plus 9 months to find a job, plus another 15 years. an educational loan has its own characteristics, it is designed for students, which means that their main income should appear after they finish their studies and start working in their specialty. therefore, to get such a loan you do not need a certificate of income. the repayment schedule is also connected with this, the entire period of study and 9 months after that there is a grace period. during this time , the student pays only interest on the loan. in the first year of study, you need to repay 40% of their amount, in the second 60, in the third and subsequent - 100%, as well as 9 months after receiving. diploma. when the grace period ends, monthly payments go into the standard mode are made up of the principal debt of accrued interest. credit program

applies to all forms of education levels. bachelor's, master's, specialist, postgraduate and residency. money from the bank can be taken for the first, second and subsequent education. you can get a credit education from the age of 14, however, you will need written. consent of parents, respectively, after 18 it is no longer necessary. such loans can be used to pay up to 100% of the cost of higher secondary vocational education in licensed russian universities and colleges. and if the university is not included in list of accredited or is not located in russia, then the loan may be refused. the bank may also refuse if the applicant himself does not meet the stated conditions, for example, does not have permanent or temporary registration in russia or is under 14 years old or up to ... let's say over 75 at the time of loan repayment. what needs to be done to pay for education in what order. first of all, sign

an agreement on paid education with a university or college, then contact the bank and sign a loan agreement with it. bank will transfer the money to the account of the educational institution, you will only need to keep the payment document to confirm the payment. to submit an application , you will need the following documents: from 18 years of age passport. agreement with the educational institution, the original or certified by the management of the university or college, a copy, and the first invoice for payment. students under 18 must additionally provide a birth certificate, passport of a parent or legal representative, the already mentioned written consent from one of the parents for the processing of personal data conclusion of a loan agreement minors. of course, something may change during the training period, for example, the university may raise the cost of educational services. an educational loan is issued in tranches to pay for each period of study, this allows you to save interest on the loan, which is accrued only on the paid

part and guarantees payment of the entire cost of training. if the cost of training is increased, then you can change the terms of the current loan, increasing the credit limit. and what to do if the student transfers to another university. in this case the procedure is the same as with the increase in cost, you need to inform the bank that you have decided to change the status, send the relevant documents, confirmation that you have transferred, in this case , additional agreements are signed with the bank, the conditions change, also, well, the benefits still continue, just taking into account the new water, that is, there, for example, by the amount, the term of study or its duration, if the student has switched to the budget, the bank will stop transferring money, you will need to pay only the amount spent on the same preferential conditions, if the student went on... this vacation, but if the student stopped studying, the situation will be completely different. all educational

loans within the framework of the state program are issued at a rate of 3% per annum. the interest rate can be increased on an already issued loan, in the event of the student's expulsion for poor performance or at his own request. in this case , the state subsidy will cease to be effective. the student will have to repay the loan himself at an increased interest rate from his own funds. let's repeat the most important thing: you can pay for your studies at a university or college using an educational loan with state support, the rate on it is 3% per annum and a grace period is provided, the entire period of study and another 9 months only interest must be repaid. you can apply from the age of 14, to receive a loan you need to conclude an agreement with the educational institution. if the student stops studying, the benefits cease to apply, the loan turns into a regular consumer loan. if you have any questions, want to know what other benefits are provided for students,

sign up. what a fairy tale without ivan, eh, what started it, without deception and without flint, likhodi locked me in flints, pen, self-written magic ink, get it, the main thing is you in van, hurry up, so give me a horse, mechanical, oh,

hit yourself on the head, do you have a nickname? where it is necessary, that's what they call me, because i'm not taking you where you fool want, where it is necessary, i can't live without travel, flint, he who has flint in his pocket doesn't need a pen, soon!

so, the main economic event of the week, of course, in vladivostok, the eastern economic forum. our channel will broadcast live the main events, well , the vf opened traditionally from the street of the far east, this is an exhibition at which all 11 regions of the far eastern territory present their key projects. this year, the emphasis was on advanced technologies.