on avito anatoly yurievich hello, good afternoon.ou do you assess the situation in the retail lending market of russian banks based on the results of the first half of the year and seven months of the year? what are the results of vtb and your forecast for the whole of 2023? it can be noted that the first seven months of this year show record highs ; citizens borrowed from banks. and they say that, probably, by the end of the year we can even see the figure of 15 trillion. and if we compare this figure with the indicators twenty second year. er, it will be more, probably by 45%, than the volumes that we saw last year. and if we compare the twenty-first year with a record one, then, probably, 8.5-9%, our citizens of our country will borrow more from the banking system. than it was in the twenty-first year. here it is probably also interesting to talk about the structure of these loans. yes, uh, it’s obvious that secured lending now dominates, and this, by the way, also characterizes well, in general , the financial health of our socie

anatoly yurievich hello.ood afternoon e in your poems you hmm often nostalgic e for the times of your childhood. what do you miss the most? i think that when we talk about childhood, in the name of everything, we regret that it has passed and came young. this is how sometimes people do the sixties and seventies, they say somehow it was good, then it was not so, good, because we were young. we had a lot of plans, we had a lot of energy. and it seemed to us that all this is ahead and indeed, it seems to us that we are colored that's probably what happens when you're young. here i am preparing for our for our interview. uh, i read some of your poems and came across. at such a quatrain, this poem just stuffs me with medicine, summer flashed something odd, what kind of soup with chanterelles does mom have. what pancakes are flowing? in my opinion, it’s more atmospheric in childhood and you can’t say right away that you admire some kind of, uh, relationship, your perception of these years. yes, i'm such a little so