valentina yudaeva, will leave this post in order to head, well, to become the executive director of the aprf at the imf, and one more question: european banks are putting pressure, oh, the european central bank is putting pressure on banks that have subsidiaries in russia, stimulating them to more actively reduce their business. in our country, and some clients complain about difficulties with service, about such a selective approach, well, including conducting cross-border settlements, and do you note this selective approach, how do you feel about it and is the central bank as a regulator ready to somehow advise foreign subsidiaries banks - to be more loyal or, for example, not to be so active in curtailing business in russia, and one more

valentina yudaeva, will leave this post in order to head, well, to become the executive director of the aprf at the imf, and one more question: european banks are putting pressure, the european central bank is putting pressure on banks that have subsidiaries in russia, stimulating them to more actively reduce their business in our country, and some clients complain about difficulties with service, about such a selective approach, well, including conducting cross-border settlements, and do you note this selective approach, what is your attitude to it, and is the central bank as a regulator ready to somehow advise subsidiaries of foreign banks - to be more loyal or, for example, not to curtail business in russia so actively, and one more question: based on your conservative forecast for the economy for next year, can we say that you allow for overcooling of the economy next year? as for consultations with the imf, yes, we are going to conduct such consultations, this is, if not to say routine, permanent practice for all imf members, let me remind you that the imf unites 190 countries, so yes,