next, we talk about money with andrii dubas, president of the ukrainian banks association, he is on the phone, good evening, good evening, merry christmas. let's praise him, mr. andrii, well , today we will sum up how the ukrainian banking system has experienced and will continue to experience 2023. well, in my opinion, if compared with last year, this year ukrainian banks worked no worse than swiss banks in terms of conditions. to speak, well let 's start with the extent to which the banking system was able to stand on such military rails and protect itself from cyber attacks, defend itself against such market challenges that ukraine has during the war, let's start with the extent to which the ukrainian banks really withstood and survived and were not classified as such categories of insolvent, analyze the situation. if we talk about the 22nd, about the 23rd year that is passing, then in general the situation was quite controlled, because i always call the 22nd, 23rd, 24th year in this way: the 22nd year is the year shocks when we they just put out the fires as best they could. in the

thank you for joining, andriy dubas , the president of the association of ukrainian banks was in touch, really, vasyl, the banking system, as the expert says, has adapted, it is working this year, and next year, the nbu does not even rule out that they will continue to lower the discount rate of the national bank. well, this is such an important factor, the lower the rate, the more stable the prices, the inflation falls, the stronger the hryvnia, the... really, that's how it says andriy dubas, it is profitable to make a deposit and it is profitable to take loans, well, we monitor this, and i also monitor the economy of the aggressor country, so in russia they are preparing for sanctions against the moscow stock exchange, they may lead to the termination of trading on the stock market in dollars and euros. this was reported by the head of the central bank of russia, elvira nabiulina , according to her, the russian authorities have a plan for this case, which, well... is not disclosed, they say, the ruble rate will not fall appreciably after the closure of the exchange, - says the head o

we will only talk with the president of the association of ukrainian banks andriy dubas in contact us evening. congratulations, glory to ukraine. glory to heroes. mr. andriy , well, i saw this information today, indeed , i think that a lot of russian rubles remained in the hands of ukrainians after the start of a full-scale invasion, which contributed to the appearance of such an initiative, whether it will really be implemented by the national bank, the regulator will monitor how ukrainian financial institutions, are they not ukrainian financial institutions? will the new ones exchange rubles for other currencies? banks really asked us this question, at the beginning of the full-scale aggression, what to do with balances of funds in russian rubles , belarusian rubles, that is, since these funds are funds that the bank must operate, but it cannot offer the client anything to do with them, and therefore, in fact, for the time being, this was a question in limbo, it is not i will create there is no such significant systemic problem for the banking sector, but it had to be solved, and if

banks, we will not only talk about this with the president of the association of ukrainian banks, andriy dubas , we are in touch , good evening, congratulations, glory to ukraine, glory to the heroes, mr. andrii, well, today i saw this information, indeed, i think that a lot of russian rubles for... remained in the hands of ukrainians after the start of a full-scale invasion, which contributed to the emergence of such an initiative, will it really be implemented by the national bank, the regulator will monitor how ukrainian financial institutions, whether they are not ukrainian financial institutions, will exchange rubles for other currencies, this is the question that the banks really asked us at the beginning of the full-scale aggression, what to do with the balances funds of russian rubles , belarusian rubles, here... since these funds are funds that the bank must operate, but it cannot offer the client anything to do with them, and therefore, in fact, at this time, it was in question state, it did not create any such fundamental systemic problem for the banking sector, but it had to be sol

next, we talk about money with andrii dubas, president of the ukrainian banks association, he is in touchning, merry christmas. let's praise him. mr. andrii, today we will sum up. how the ukrainian banking system was and will be in 2023, well, as far as i'm concerned, if you compare it with last year, this year ukrainian banks worked no worse than swiss in the conditions of war, if we speak , well, let's start with the extent to which the banking system was able to stand on such military rails and protect itself from cyberattacks, defend itself from market forces like those that ukraine has during the war, let's start with how much ukrainian banks withstood and survived and were not classified as insolvent, analyze the situation. if we talk about the 22nd or 23rd year that is passing, then in general the situation was quite controlled, because i always call the 22nd, 23rd, 24th. such so 22nd is a year of shocks where we just put out fires as best we could. in the 23rd year , we realized that we are living in an ongoing military conflict, in the aggression of the russian federation against