the economy of our country continues to develop and the pace is higher than analysts predict. according to sber, gdp will be 3.8% in 2024. german gref reminded that salaries and incomes of the population are growing, the bank's services continue to be in demand. despite the fact that the key rate is high, we see that in 6 months. we have already earned 769 billion rubles according to russian accounting standards, according to international standards a little more, and this is 6% more than last year, and in general we have a return on capital at the level 22.9%, which is in line with our forecasts. now sber is talking about the growth of its loan portfolio for the first half of the year by 6%, about 11 trillion rubles. mortgages, which showed high activity

at the beginning of the year, of course, will now grow more slowly due to the high key rate, while herman gref called the active attraction of investments, both public and private, paradoxical. in the first half of the year, sber issued about a trillion rubles of investment loans, and the volume of transactions that are currently in progress is approximately a quarter higher than last year. one of the sources of investment is the reduction of capital outflow, almost twofold. we. this year will pay the state a total of taxes and dividends of approximately 1.2 rubles, this is an absolute record for all time, we have already paid dividends in the amount of 750 billion rubles. well, in principle - so far everything is developing quite positively, well, apparently , the realization comes that i mean private investment, the growth of private investment, that it is better to bring everything into the house. the situation that

has developed over the past 2 years, about this as once and they say. one of the serious projects that sber is developing is the altai ski resort, mancherok. now it is 40 km of slopes, on which about 6,000 people can ski and 400 hotel rooms. there will be five times more slopes, more hotels will appear, there will be more jobs and tourists this year they are starting to build an airport in gornoaltaisk. yes.

sber says that this will potentially be the largest ski resort, made according to all world standards: parks, a waterfront museum and art gallery, all the infrastructure is made as environmentally friendly as possible, trying to fully emphasize the features of altai. vtb brings us rubles, cashback up to 25% plus one category of cashback for transferring vtb from other banks, vtb, everything will work out, listen, something is knocking, it's time to change kalymaga, for the car, what should be the bank for ... a strong country every 15 minutes

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a free account for investments in alfabank. and get a gift. not just profitable. alfa is profitable. more than 550 dead, over 1,800 wounded, these are the results of the israeli air force attack on lebanon. the un children's fund reported that more children were killed in the country over the past 24 hours than in the previous 11 months. as unicef stated, the continuation of the conflict in lebanon will have catastrophic consequences. the idf said it was mainly targeting hezbollah weapons sites in lebanon. i will read the military statement on telegram. over the past few hours , under the direction of idf intelligence, the israeli air force has struck hundreds of hezbollah targets, including launch pads, command posts and terrorist infrastructure in many areas

of southern lebanon. the israeli military's targets included cruise missiles with a range of 1.00 km, attack drones, unguided rockets with warheads weighing 1 ton. rockets with a range of 200 km and short range. the kremlin said that israel's strikes on lebanon lead to the risk of complete destabilization in the middle east. this is, of course, an event that is potentially extremely dangerous, the expansion of the conflict zone, complete destabilization of the region and, of course, this causes our extreme concern. at the moment, it is very difficult to talk about any prospects for a settlement, a peaceful one. is not possible, so there are no prospects at present moment we can not designate, what do, probably, the situation is even more potentially dangerous. the russian embassy in lebanon and in

israel called on our compatriots to leave the territories of the countries, from tourist trips should also refrain, the risk of the beginning. to form a terminal department on the emergency number, well and of course, we remind our desperate, extreme travelers that now is not the time for tourist trips to lebanon, and those who feel unsafe here in lebanon, well

we recommend using commercial flights while the airport is still operating practically in normal mode, as for our compatriots here in israel, and - fortunately, so far there has been no information about anyone being killed or injured in any other way, there have been no appeals to us at the embassy, ​​to the consular department. as for our diplomats here in tel aviv, for many years now, and especially in recent months, we have been, in general , practically in a state of war, i repeat the recommendation that the ministry foreign affairs of russia, published back in october last year, all its provisions remain in force, and the recommendation is that we do not prohibit - visits of our citizens - to israel, but we urge a balanced approach to the need for such visits to be carried out

only in case of urgent need. uralsip is a bank for business, and we work on the principle of all or nothing. everything for entrepreneurs and nothing extra. free payments and transfers for business. bank ural siib. nothing extra. in the west, before of course, the us has started to get tired of volodymyr zelensky. well, he is currently in america and has already made several public statements. and instead of support, he has encountered. unexpectedly, in fact, but with criticism, but it is not difficult to get tired of him, there is too much of him, and

the conservative press politicians say that the kiev regime costs washington too much, and does not bring any benefit. more details about everything, elizaveta khramtsova. a person who uses the word peace almost more often than the word ukraine, upon arrival in the us first thing i did was go to the weapons factory. however, those us citizens who still monitor the distribution of their own. this is not my country, but i saw the governor of your state standing in a frame with the leader of another country, where they are signing

artillery shells that will kill civilians half a country that we are not at war with, smiling, you know, i was disgusted, i was furious, and people from the inner circle of the republican candidate, donald trump jr., looked furious, reminded the audience, that zelensky's tour, in which the american elections are talked about almost more than ukraine, is taking place shortly after a fan of this very...

he made it clear that he wants to present the plan to president biden first. and now the times' sources report that zelensky has become a realist because the ideas that the ukrainian delegation will present to the american leadership are, quote, not a plan for victory, a plan for survival. in addition, britain and france have not yet approved the use of their long-range missiles to strike deep into russia, he complained head of the office.

preparation of the budget for the next 3 years, today we will consider bills and documents, which together with it we will submit to the state duma, this is a forecast,

at the beginning of the current year, world trade in goods decreased by 2%, which was a consequence of tightening trade measures, disruption of transport and logistics chains, only last year 3,000 new restrictions were introduced, it is not surprising that the growth of world gdp is slowing down, such an assessment is given by the international monetary fund in the countries of the euro zone, this indicator may not go beyond 1%, and what speaks even about signs, stagnation in this group of states, the russian economy in such conditions is experiencing enormous pressure, packages of sanctions, restrictions continue to expand unfriendly countries, logistical, technological, financial and other challenges appear, nevertheless, under the leadership of the president, with the coordinated efforts

of the government of the bank of russia we manage to counteract them, moreover, to support our citizens, business and ... development projects, forming, accordingly, the foundation for further growth. this is evident from the dynamics of the russian gross domestic product. according to preliminary estimates by the ministry of economic development, over the first 7 months of this year, it increased by 4.4%, which is more than twice as high as last year's figures. the main drivers were the real sector industries, primarily the manufacturing industry, where production grew by 8.6% over the first 7 months. good growth in construction and agriculture. our companies are actively developing the niche of those who, under pressure from their the government left russia, the implementation of state support measures within the framework of the formation of new logistics routes, creates favorable conditions for

entrepreneurship throughout the country. according to the results of the first half of the year, the growth in the volume of investment in fixed... capital came close to 11%, which makes it possible to expect the preservation of positive changes in many areas of our life in many sectors of the economy. in turn, this affects the labor market. the unemployment rate dropped to historical lows, this is 2.4% in june of this year. all these trends, of course, were taken into account when preparing the law on the three-year budget. the project is based on the basic version of the forecast for the development of our country, which was developed by the ministry of economic development. during the development of the budget, current challenges were analyzed, including the resources necessary for the implementation of new national projects, for achieving the national

development goals set before us by the head of state. the government held a whole series of strategic sessions on this matter, it is also necessary to remember the importance of maintaining budget balance, the ratio of expenses and incomes in the current conditions, i believe is optimal, on the one hand, it guarantees the fulfillment of all social obligations, on the other hand, it will provide significant support to those industries that are especially needed for the formation of the economy, including important industries that we currently give priority to - machine tool building, robotics, microelectronics and a number of others. the minister of finance will tell more about the indicators later, anton genrich sulanov. and i will dwell on just a few key figures. thus, for the twenty- fifth year, revenue growth is projected to reach 43,296 billion rubles. this is almost 12% more than

in the current year. moreover, the share of non-oil and gas revenues in the total volume will grow to 73%. such an increase will allow for an increase in funding for obligations, programs, and projects. next year, federal expenditures will increase to 41,469.5 billion rubles. within the framework of the implementation of state programs, funds in the amount of 24 trillion rubles are envisaged next year. their passports we approve for submission together with the budget to the state duma. a significant share of the resource is allocated for the implementation of national projects. which, on the instructions of the president , the government prepared. all 3 years of the federal budget execution are expected with a deficit in the twenty-fifth year at the level of half of the gdp. today. we will also consider the parameters of the budgets of extra-budgetary state funds, at the expense of which all social obligations to citizens will be fulfilled, we will ensure the financing

of medical care, including high-tech, which are provided by federal health care organizations, and we will also continue special payments to medical workers, the expenses of the pension social insurance fund will be increased in order to continue to provide pensions, compensation and payments for...

for the next three years, the minister of economic development maxim gennadyevich reshetnikov will report, then the minister of finance anton gedinovich slanov will report on the budget, please, dear mikhail vladimirovich, dear colleagues, i present the main parameters of the forecast socio-economic development for the next three years. compared to the april scenario conditions, many parameters have been significantly improved, while we traditionally forecast moderately conservatively. our economy is developing steadily, despite external shocks. so for the period from 20 to 23 years, gdp growth was 5.5%, and this is higher, and in some cases several times higher than in many developed countries. in 24, we expect

gdp growth of 3.9%. in total, in 24 to 27 years, gdp will grow by 13%. gdp nominal in the twenty-fourth year will amount to 196 trillion rubles. this is almost twice as much as it was in the twentieth year. by the twenty -seventh year, the nominal volume of gdp will amount to almost 250 trillion rubles. now about the sources of economic growth: investments in our country provide about 30% of gdp growth. based on the results of this year, we expect investment growth of 7.8%. next year, investment activity will be at the level of 2%, but this is against the background of the high base of this and previous years. further, we expect growth of 3 percent or more while maintaining the achieved high level budget investments, what is included in the budget, the main contribution will be made by investments from the enterprises' own funds. consumer demand will continue to grow, it will provide about 60% of the total gdp growth. consumer

activity will be ensured primarily by an increase in real monetary incomes of the population. the main contribution will be made by the growth of real wages against the background of maintaining a low unemployment rate. in addition, income growth will be ensured by social payments, including decisions on indexation of pensions. working pensioners and expansion of support measures for families with children. from the end of 2025, demand will also be supported by stabilization of the savings rate compared to the peak level of 2024. growing demand will be met primarily through the production of domestic goods and services and the development of a supply-side economy. we expect continued growth in the manufacturing industry, agriculture, tourism in the service sector and other industries that work for... the domestic market. taking into account import indicators in the first half of the year , we expect the trade balance in 2024-26 to be stronger than in the april estimates. inflation

has begun to slow down after peaking in early july. in 2025, the slowdown in inflation will continue; in 2026, we will reach the target level. we believe that the forecast is realistic, which allows us to form a sustainable budget. it takes into account the costs of implementing the president's message, as well as... new national projects, plus economic policy measures aimed at unravelling the scarce key resources. the first, of course, is the policy on the labour market. for the second year, our economy has been growing with historically low unemployment levels, and this indicates that there is a reserve of flexibility in the labour market at the moment. at the same time , our labour productivity in the economy is growing, but there are still significant reserves for the growth of labour productivity, especially in those industries where it has grown relatively in recent years. for sustainable economic growth, it is necessary to ensure the growth of labour productivity above historical levels. trajectories over the entire forecast horizon. this is the goal of the federal project effective

competitive. economy. attention will be paid to the growth of labor productivity in the social sphere, and special programs will be formed for the real sector industries with the lowest productivity growth. structural restructuring of the economy puts forward new requirements for the training and retraining of personnel. this is the goal of the national project personnel. it will ensure the connection between the demand for labor and its supply within the framework of the higher education system. secondary vocational education within the framework of the national project youth and children. the second. important element is support for investment activity, to ensure economic growth, investments must grow at an accelerated pace, in this regard, in recent years a wide range of instruments of state support for investments has been formed, this is an agreement on the protection of the flow of capital investments, this is the use of funds from the national welfare fund, the project financing factory, the taxonomy of projects of technical sovereignty, special economic zones, concessions, infrastructure budget loans,

cluster... it is very important that economic policy should ensure stability and risk distribution for investors to encourage investments in technologically complex and risky projects, in this regard, you gave the order to review approaches to subsidized programs, setting their limit, unifying the conditions, which will be done. launch the mechanism of investment tax deduction. the third point is the implementation of national projects of technological leadership, they are generally formed, provided with resources, and the implementation of these projects will primarily lead to the creation of technologies, the fulfillment of natural indicators for production volumes, which will create the basis for growth not only in the three-year period, but also, which is important, until the thirtieth year. the fourth element is the removal of infrastructure restrictions, first of all, what is laid down in

the national project infrastructure for effective life. the transport system is the development of highways, rail transport, regional airports, inland waterways, international transport corridors of border crossings, this will support the reorientation of our economy to new sales markets. during the forecast period, an increase in investment and development of energy and utilities infrastructure will be ensured, including taking into account the proposed tariff solutions. i ask you to approve the forecast of socio-economic development of the medium term, as the basis for the formation of the federal budget project. thank you. thank you. maxim gennadievich, please, anton gerbanovich, thank you, dear mikhail vladimirovich, dear colleagues, the draft federal budget for a three-year period is aimed at financial support for the national development goals of the country, the formation of resources for the implementation of 19 national projects, which are a tool for implementing national development goals, since national goals.

federal budget, this is almost twice as much as for the previous six years. more than 40 trillion rubles of funds national projects provide for a number of key, most important areas for the development of the economy and social sphere of the country.

financial support for the needs of the special military operation, support for the families of participants in the special military operation. the third important priority is ensuring technological leadership and expansion of infrastructure.