this for state banks?constantly moving in the direction of the fact that the rules should be the same for everyone. from this point of view, it seems wrong to me, and in this regard i would certainly now expect some moves from ukrposhta, which does not lose its desire to open a bank, or become a bank, or buy banks. literally on the eve of the invasion, it was very reasonable, but now it is no longer relevant due to other issues. well, they are not - they are forced to be at ukrposhta in every populated place by law. and now it seems to me a good time for them to sting the national bank somewhere for the fact that it slightly prevents them from becoming a bank yes, really a stellar moment but wouldn't it somehow be possible to arrange some kind of subsidies for such settlements , or is it still a matter of local self-government? perhaps local budgets could be spent on creating conditions i do not know how to provide banks with free premises . if the local government wants to see a bank in its territory, it

amount for which the national bank is ready to lend this amount to other banks.commercial bank wants a million rubles in debt from national banks. to give people loans, the national bank says, i will give you a million, but you will give it to me in a year and you will pay 11.5% for this year of using a million. from above, the bank agrees to take a million and distributes to people, but at 13% per year, a year later he receives from people his million plus 13%, that is, 130,000 million returns to the national bank 11.5% for the use of a million, that is, 115,000, but one and a half percent. that is, another 115,000 is the bank's earnings, if the money is in the country depreciated by 11.5% over the year, then the national bank conditionally went to zero, if it made less profit, if it lost more, because the national bank is very attentive to such calculations and does not set the refinancing rate. will lead the country to losses. why the country because the national bank is a state financial management body, it does not have the task of earning on interest rates.

here is the merger of the opening bank with vtb bank. and when is it planned to complete the integration of the vtb opening business and how will this happen in practice? well, you know nothing drips on the house. we are not in a hurry, we will go from technology, we will go from the needs of the mood of customers. i think that uh hmm consolidation will take at least one and a half to two years this in this and horizon, but we plan to fully integrate the bank to transfer the business of clients to vtb bank and as a result of this, hand over the e-license. well, in general, work under one brand. with us , uh, this principle has always been with all e , acquiring them is the most effective way. how much do you estimate the costs of joining the opening. how much money will be needed, you know, but now they didn’t give exact numbers, they still call us and we are getting it. uh, hmm final reconciliation calculations, but i would like to say that in general we certainly expect that after the overlay that we now we will do it with us and there

, not public banks or depository but green banks started with utility customer surcharges. i'm not advocating for that necessarily. there is also pension funds in san francisco, there is also investment fund where there is disagreement about that between the treasurer and tax collector and budget legislative analyst office, so lots of different opportunities, and also tax specifically dedicated to such a initiative, so there are options. alright. this was a great discussion. thank you all so much. thank you khalid and giacomo and we'll move on now. i think we will open up for public comment now. are there any members of the public who wish to speak on this item? >> vice chair felder, any members of the public who would like to comment on item 1? [difficulty hearing speaker] >> hello commissioners. eric brooks with california for energy choice and local grassroots organization our city sf. this is a great discussion but i want to touch on something commissioner fielder brought up at the very end, which is the most important thing that i have not heard in the discussion and t

what about banking disputes?ortunately, a small 3%, but for microfinance organizations , on the contrary, we note an increase in applications and in what amount by 30%, by thirty percent by 30, so this suggests that there are different situations in different sectors of the market. but if we draw what is called the first c grade violations that cause particular consumer dissatisfaction, depending on the market sector. we take insurance, but this, of course, is not the fulfillment of the insurance obligation, or its fulfillment is not in full. that's all, as it were, obviously , the banks are more interesting there. that's what we're looking at in the first place is, well, 50% of the disputes and claims that consume consumer banks. this is consumer lending, and in consumer lending 70%. here are some of those appeals that go under this section. this is uh the insurance company says, that is, when the bank links the issuance of the loan. necessarily in risk insurance it is impossible, but this topic by the way, it i

when one bank of an international banking group in ukraine and in russia and this bank in russia servescemen of the russian federation against which the whole civilized world has united and not to mention that ukraine has been heroically fighting against this locust for almost a year. therefore, this is the second such moment , and of course you remember such opportunities. it seems to me that even with your tv channel at the beginning even before the start of the war , we talked about a number of sanctions from the keys, a year at home, studying the world of some banks. i will not use the names of the large e-e business networks that are also represented in ukraine. but we all know who we are talking about, that today it is banks, tomorrow it is food chains, and slowly we will make it clear that russia is at least working there, and as a maximum it is toxic and unprofitable and unprofitable. andriyu , i would like to ask you to decipher something, in particular, it is about sectoral sanctions that will most likely be implemented in ukraine against the various plans of the russian finns

amount for which the national bank is ready lend this amount to other banks. schematic example of a commercial bank wants a million rubles in debt from national banks. to give people loans, the national bank says, i will give you a million, but you will give it to me in a year and you will pay 11.5% for this year of using a million. from above, the bank agrees to take a million and distributes to people, but at 13% per year, a year later he receives from people his million plus 13%, that is, 130,000 million returns to the national bank 11.5% for the use of a million, that is, 115,000, but one and a half percent. that is more 115,000 is the bank’s earnings, if money in the country depreciated by 11.5% over the year, then the national bank conditionally went to zero, if it made less profit, if it lost more, because the national bank is very attentive to such calculations and does not set the refinancing rate. will lead the country to losses. why the country because the national bank is a state financial management body, it does not have the task of earning on in

in a bank? so let me start out by saying i don't think that banks have h.r. systems that are different from other companies. i think this is a a feature of of corporate america. you have a department of people who are trying to manage working life at these giant companies. and the other thing that they're trying to manage is the legal liability of the company and when you put those two missions together, you get a big conflict because all kinds of things can happen inside these big companies. and when an employee really needs help sorting it out, they're going to the same. the department for the same department that that is hell bent on making sure that the company doesn't have to pay a lot and legal settlements doesn't have bad publicity. it's all coming from the same people. the one thing that i found was that the company is all think it's really important to have policies and procedures in place to prevent discrimination and and to address it when it comes up. but having those policies seems like it's the most important thing. you have a machine, the machi

they are associated with my bank. so if i apply for these cards and am turned down, i'm not so upset about being turned down as the prospect which was given to a really good chance of getting, quote unquote, this choice chosen especially for you. but when we apply for a credit card, even if we don't get it, they have to do this -- do what is called a hard credit check if that is the correct term. host: thank you, go ahead. guest: what ruth is speaking on, and it is in large part prior, with experience being hooked up with banks and they are sharing information. that's a totally different issue entirely. but yes, when you do apply for a credit card there is a hard inquiry on your account. ruth is really talking about data privacy which we can get into another call another day. host: a viewer off of twitter asks -- how much does the average american pay in late fees compared to finance charges? guest: americans as a whole are spending $12 billion a year on credit card late fees and about 42 million americans last year a

thousands of people have been blocked in bank mellat banking. there is no solution . you can't pay alone. can you pay with the quality of people's services? we have lost your legal responsibility. first , the accounting statistics are available. i wanted to please tell us that we are still blocking the darkness of the people with the highest quality and speed in providing public administration services, the weaker nature of the facilities for providing services and the quality of services, and we announce that any bank that fails to provide services to medical sciences in any province in the city. we are in service, that is, now mr. dr. kala 130, you have not sent any correspondence to us regarding this issue that in this law implementation, we faced a challenge that was not taken into account in the law, but our expectation is that as you will be given the law. we expect you to enforce the law you will have problems with the issue, but we have to do it with steps, but our expectation is that there are many corruptions in relation to this law, which really happened to

by the national bank by the commercial bank, and er, here. over the past 2 years, 2 1/2 years, the practice of accruing increased interest has been eliminated. in the case of e. well, some difficult returns and that's just it. yesterday, too, it was discussed a person can not return on time for some reason and the bank cannot charge him extra interest, some cosmic sums. it's this situation. i would say in general, in some cases there were few of them, but, but in the case there were such. well, imagine that, under a separate loan agreement, penalty interest was charged. e, components of e, one two percent. uh, up to 3% a day, it went up to i think it's just a banking river, right? now this is not. eh, that's the norm. it was necessary to fix the approved norm to fix the code. well, it's called banks, but banks, uh, didn't suffer from it. here already at the stage of implementation of this rule. last year, banks earned more than two billion rubles in profits, by the way, speaking at the definition. well, support e from the side of the national

and the banking system is going to decline, and then banks will come under pressure. but this is indeed something we're going to observe in the year or even decade long perspective. as of now, because russian banks managed the early crisis relative to, well, the trust of the population is stable and the financial infrastructure of russia continues to work. what did the russian government get correct when sanctions 1st hit, we saw capital controls going into play into place early. was that the right move? that was absolutely the right move. because the 1st thing russia had to do in the beginning was to quiet the markets to make sure that a bank ran doesn't happen, that, that system function smoothly. so that was the immediate and very fast solution. another thing which russian, so government may tried, is that it didn't use sound protectionist measures, which at least some groups in russia, suggested there was no massive confiscation of property. you've not, that of the west and companies. there were only very limited interventions in the market process and primarily i

it is about the banks today. the banks are massively outperforming. in is a tell wind for the pound off of the brexit deal. yes, i said that word appeared want is where we are right now. we are up by 3/10 of 1%. alix: you get a pass for this time. at the s&p going absolutely nowhere. the big loser is in the region cruise line down a whopping 12%. earnings wind up disappointing in bringing down its peer groups. that is the only big mover in the s&p. it did show the bad stuff is working. expectations for income rises started to come down. the job market seemed to be loosening a little bit pointing to what the fed is doing is working. in sympathy with europe, you are seeing a selloff in the bond market. the 10 year yield very interesting, up to basis points. we are nearing for. the idea is that we maxed out in terms of how much we could reprice the fed on the front end . how much can go if we had to do the fed at 6%. guy: everybody is talking about. 6, 4. that was some of the conversations i was having in luxembourg appeared of the inflation data was a s

as you said, well, one of the central banks has always been one of the central banks in the supply of basic goods of the people in the field of agricultural jihad . forty-five and a half billion dollars for the provision of foreign exchange for basic goods of the ministry of agricultural jihad under the conditions of sanctions, could you generalize that this is equivalent to nearly 24% of the country's imports in four years, within 400 years. we are very into quality these days we are talking about available currencies, and now that you have counted it in the last year and in the previous years , how much of these late currencies we had allocated to the import of basic goods, considering that the main book and the priority of providing currency are basic goods compared to others. goods have been tried to use available quality members to provide foreign currency for basic goods . can i ask what percentage was in the mix? what was the composition ? now i will give you the details in my program, but i have tried to always provide quality to importers let's put it basically than import ou

banks and the national bank should play here as a regulator of the entire banking system.the same time, i ask you not to relax, russia is being chipped with additional sanctions, and so that there is no way around us through us. and we will also be subject to additional sanctions. not just to scare, but to pump up a block of legislative, macroeconomic initiatives aimed primarily at ensuring financial stability, and there are innovations that will expand the possibilities of export financing improving banking supervision. at the regulator. there must be levers that motivate market players to work in good faith unprecedented measures are proposed to protect the interests of the people, when at the export council e, banking codes were considered e. there are a lot of proposals from deputies, these proposals are based on the appeals of our citizens, and they were largely taken into account. this applies to consumer lending for the population in the new version of banking. of the code, specific cases are established when it is possible to demand from the bank early repayment of

he is saying the bank of japan mondayetary policy is appropriae dovish comments from the bank of japan governor we were 1% firmer and now only .20% firmer now in light of what you were saying in the next governor is expected to be more cautious, perhaps, than the markets are hoping for and yet, jane, if you look at some of the wage growth data that has come through, you here uniglobe pushing through the wage increases for employees. there are green shoots that inflation is coming up after a decade or two of stagnation in japan. >> that is exactly right you know, a lot of focus on the spring worries what will we get this is important for japan. if the analysts can look at cpi and say it is higher and above target they should roll back some of the easy policy. what the bank of japan is focused on is domestically generated inflation. that means wage increases. not the weak yen had brought through higher imported prices that does even mean inflation is going to be sustainable. they want domestically generated inflation. they want the wages to come through and people to spend more and that

, not public banks or depository but green banks started with utility customer surcharges. i'm not advocating for that necessarily. there is also pension funds in san francisco, there is also investment fund where there is disagreement about that between the treasurer and tax collector and budget legislative analyst office, so lots of different opportunities, and also tax specifically dedicated to such a initiative, so there are options. alright. this was a great discussion. thank you all so much. thank you khalid and giacomo and we'll move on now. i think we will open up for public comment now. are there any members of the public who wish to speak on this item? >> vice chair felder, any members of the public who would like to comment on item 1? [difficulty hearing speaker] >> hello commissioners. eric brooks with california for energy choice and local grassroots organization our city sf. this is a great discussion but i want to touch on something commissioner fielder brought up at the very end, which is the most important thing that i have not heard in the discussion and t

banks of the russian empire system. yes, help in the washing class they said to the artists. corner façade maya has an asymmetric composition, as if under an armchair, two lateral rosettes, one of them at the left side is completed with an atom in the corner of the kokoshnik with a blind rosette in the center. on which calista the coat of arms of the mogilev province was located, the others were carved on the right side, looking like a low two-tier vezha with narrow openings above the yaga, a hipped dome rises, earlier its pediment was the sovereign coat of arms of the russian empire according to mish rosalites cold withdrawal above another, according to the version of the balcony, over which the wall to the caravan lyapnyrnament and other banks, yes, and firms. here is such well, i would divide the structure into two parts and it is such a cover with pegs from one side. not tin is so simple. this is for the villagers. wow, how on the right in the year the hunting is slender less often such a threshold, and you were a t

here, one bank, just can not cope.ime, if i recall, so to speak, a retrospective, then i remember the period when banks were hushed up, including , by the way, i am the head of the association, as if trying to say less about stealing money, because they were afraid to scare our customers in order to they have not left the banking sector, for example, cash is now in full voice all credit organizations. hmm talk about this problem apply their steps. but at the same time, as i said, 40% , it’s just that this figure is real , according to kaspersky’s laboratory last year , one and a half billion, in my opinion, data leaked not only from banks, but from various, including large companies, to the market. therefore, the question is why we are not able to turn the tide. the growth rate is unfortunately still negative. yes , good afternoon, dear colleagues. i know that there will be such a question, where we are after all. we are fighting with you. uh, we're discussing it in different forms. uh, each the financial institution i

to the central banks. the u.s. job report is due later today and it is likely to show a moderation in hiring. speck tatian's of continued tightness in the labor market. that could push the fed to stay the course while the market goes the other direction. let's get more from our markets reporter valerie ty tell. we have all the big central-bank decisions in the can. what kind of reaction could we expect from the payroll today? valerie: i'm exhausted by this week. let me take you through what consensus estimates are. we are expecting 100 89,000 jobs added in the last month. the unemployment rate taking higher but note the down tick last month was a surprise. my eye is going straight to these average hourly earnings number. it's expected to moderate to 4.3. let me take you through why i'm interested in this. average hourly earnings as well as the employment cost index are measures of wage inflation which we've seen falling recently without any clear cracks in the labor market. this is telling me that the soft landing

in fact, there are two banks here.one bank for the villagers and the other bank for smaller ones and vermedor - this is the organ that came out like this, but i would have divided the structure into two parts and it has such a lid with laces from one side, so rustic. this is for myself wow, how slender on the right is less often such a fish with a tent, i suffered samba in them, where they are expressed there, such a form. yeah, at the end we will have such a shape with a salt on the right side, slender, symmetrical high vezha century. well, i’m such a pharaoh, i don’t give up, or something, more than a meal, let me look at the hungry care of my grandma , such narrow vacancies gently, i still suffered, that youth is the completion of the facade. there are such, well, imitations of their forum, the eighteenth eighteenth table composition of the complex, at the monuments will be. teat oksana to call out the trick to vera pennies on the shoes of her buddynki violent banks where a bottle of a can was one of the most comfor

price has decreased by nearly 2% from at the beginning of the offering , 134,1754 of the central bank's total index and equal weight index of dushanbe capital market have been sold the negative trend ended its work in the course of trading, 230 symbols were traded in the positive domain and 397 tenths were traded in the negative domain, which was formed to wash the symbol of the buy page and the 112th page of the sell page . the previous days saw comments from the auto competition council about its use at the beginning of the deals with sellers, but over time, the weight of the middle market increased until the end of the demand, so that the increase in demand in the banking group was more noticeable. at the end of the total index, it was affected by shrimp and shabdiz symbols with 2319 units decrease on the number of one million five hundred and 37 thousand and 870 units stood, the daily download index was 3,916 units , decreasing on the number of 476,1251 units. finance worth 4696 billion tomans in 456 1090 trades and hand-to-hand sales of the national symbols of steel and its nation,

in some banks, 40%. currently , we are facing many restrictions in four banks. process of cooperation is slow and based on the latest bank statistics exports from 1,700 billion tomans, only 670 billion tomans payment facilities, this means the lowest amount among the 16 banks , the cooperative and welfare development banks, from 1,700 billion tomans, the facility has paid 1,100 billion tomans respectively, but sepeh bank has paid 2,000 billion tomans. 1400 billion has been paid in facilities, the statistics are low, and we contacted the secretary of the country 's banks council to follow up on it, but we did not get a result. ayatollah jannati, referring to being on the eve of the new year , urged the authorities to try to solve the economic and public problems with effective planning and serious supervision so that the people can go into the new year with more peace . with the vote of the representatives, ayatollah jannati was once again elected as the chairman of the assembly of experts, and mr. seyed ebrahim raisi and seyed hashem hosseini bushehri were elect

see the central bank long ago with the presence of mr. farzin, the honorable chairman, and the plans to have the most important program was the launch of the currency and gold exchange market, which, thank god , was launched on march 22. the powers that the central bank has in there is the issue of returning foreign exchange from exports, which i previously had some companies and some of these comedy suppliers, so that with more authority , i could not return this to the central bank according to current laws, and part of its value will be returned with delay between you and firozeh export. you saw that he was given a month's deadline to return the currency from exports for various reasons . for example, there was a company that you wanted to bring back later to get more resources from the currency that the central bank has the authority to have. hopefully , the details will be published tomorrow. will belong to give authority so that, god willing, we can have more supply and in the currency and gold exchange market and these currencies w

even the state bank of india is trading at 1.5 times and that is higher than any chinese banks.ate bank of india did come out saying their exposure to adani is limited but one question that global investors will be asking is what are your exposures? are you worth so much money that you think you have been asking for? that is one systemic risk on the indian stock market in general. francine: you just mentioned there the slight comparison between adani and evergrande. is it fair and who had it worse actually? shirley: evergrande has at its prime i think about $100 billion of net debt on its book and others off book. that's five times as much as adani. china is a bigger beast than india. anyway, adani's investor base is more skittish. we are talking about investors buying green energy and norwegians biggest pension fund kl peaches came out saying that they have sold all their shares. also, investment great -- great creditors are watching closely because adani has 14 billion outstanding and most are issuers that have investment grade. the credit firms may be forced to sell and that

the central bank must have plans for it . therefore, download the programs that they have . the unofficial part. this part is part of the official market . it is speculation and the reality of the fireplace, which some people worry about. from the devaluation of the national currency and their presence in an emotional way in order to buy foreign currency to maintain the value of the currency, for this sector, removal programs will probably be foreign exchange tools in the coming days, and now a number of our colleagues in the central bank are trying to design one of the new tools to cover the risk. those who are worried about the devaluation of the currency, what do you think about the market maker of the central bank as a market maker in the informal jurisdiction of currency and how to enter kenya , how do they enter now? we still couldn't get to the limited section or should it be true that the children of the people feel that i have a real need, but you are the one that we have, it is not provided enough, well, the central bank that did not recognize this statement, if th

bank.athleen hayes has more on what is at stake. >> no matter who is finally selected by prime minister fumio kishida, the big question for the next bank of japan chief will be maintaining extraordinary monetary stimulus are taking the first steps towards policy normalization. once seen as a top contender for two of the deputy governor slots says examining kuroda's impact on the markets is on the table. >> the bank wants to gradually move towards normalization in a way that does not cause major turmoil to the bond markets while watching the economic and financial situation carefully. but the next governor of the bank of japan is taking over at a time when deflation has turned into inflation. when the bank of japan now owns more than 50% of japan's government bond market and is struggling to keep it functioning smoothly. what will it take to get the job of transition done? >> inflation is up and we think wage growth will be up. our view is yield curve control will be dismantled at second qua

plus a slew of bank earnings this morning, deutsche bank mrs.. francine: we heard yesterday from jay powell that they made progress in the battle against inflation. we have what were construed as a dovish comments from jay powell. a rally in wall street. tom: he sounded upbeat and optimistic. he flagged another couple of rate hikes probably around the 25 basis point mark. he also said he does not expect to see it later this year but did sound optimistic and did not push back on the concerns around loosening the financial conditions. is this a fed that wants the markets to be second-guessing it? so far the response is risk on. that continues today. spanish ibex up five tens of a percent ftse 100 gaining 20 points. france cac gaining 5/10 of a percent. let's look at cross asset. a rally across the yield curve yesterday on bonds. yield curves came in double digits. we see that continue as well today. a move lower by one basis point on the benchmark of 340 paired it in close to 4% on the two-year. futures on the nasdaq looking to further gains of 9/1

of the banks, and masoud did not . that is, the above documents that oblige us and the government to ensure that all the devices mentioned in it have a personal account, i can have one or several accounts, they have a personal account, the central bank receives and pays money to the main and sub-accounts. the cash flow they have with the central bank and today i want a transparent government in the area of ​​the university of medical sciences and per. we will see what is going to happen before we say the report of my colleague . let us define how much the minister, deputy minister and company director, member of the board of directors of the company should receive, but these salaries are still paid in universities of medical sciences and have an income that does not go around the treasury, the result is corruption and government receipts should be concentrated in the single treasury. become atomic all the receipts of the ministries, state institutions and state companies, as well as the accounts payable of these instit

central bank tightens at the lowest rate in year and now we turn to the bank of england which is expected to hike >>> and shell with a re record-breaking $40 billion and revealing a buyback plan the ceo tells cnbc he saims to transform the company for the customer and shareholder >> simplification of the structure was to make sure we are structured in a way to deliver that vision with a real focus for me to be able to move us from a great company today to also being a great investment. >>> falling demand for covid-19 diagnostic tests and drugs taking a bite out of roche earnings they are expecting a further fall in 2023 that means they are looking at a decline in the low single digit for sales and profits. >> we saw a decline of 1 billion swiss francs in covid sales. we expect a sharp decline of covid-19 related sales now the pandemic is finally coming to an end. >>> deutsche bank slides after missing fourth quarter profit expectations despite the best and nual result in are 15 years. the cfo discusses the market sentiment with cnbc. >> fourth quarter tailed off a bit for us in november a

what should the banks do on the way ? what should they announce to the recipient of the check, i.e. you? you will receive a message that pejmanfar has 100 million tomans in his account and has withdrawn one and one billion tomans . the second issue is the violations committed by the banks today and we hope that with the meeting that the head of the bank we will have a center to solve this issue. now, for example, you gave a check of 100 million tomans, but something happened in your account. for example, let's say that your account balance is 10 thousand tomans short, which can be taken from your account. there is a thousand tomans short, and the check will bounce. you should come here. the check that bounces, let's correct the balance, now the bank unfortunately says, bring the honor of million tomans, go back to this account , this is 99 million tomans, 100 million tomans , 10,000 tomans in this block, you will be released quickly, 100 million tomans will be freed without money, there are no new law cases. who still use

big banks and their we have cops on the bank. senator daines: before i make a few remarks, i would like to recognize ranking member toomey. i remember my days at proct tore and gamble. in a petition to supreme court on september 14, the cfpb asked the fifth circuit court ruling that the unprecedented power was unconstitutional. the petition claims that the cfpb funding is constitutional because dodd-frank authorize dollars the director to decide how large the budget can be and mandate the transfer of requested funds. however the constitution prohibits agencies from spending federal treasury without appropriations made by law, unquote. in its decision, the fifth circuit said that an expansive agency insulated expressly exempt from budgetary review and headed by a single director at the president's pleasure is the epitome of the unification of the purse and sword of the executive. i believe it is highly likely that the supreme court reviews this case and upholds the fifth circuit decision. we have asked for our colleagues to join u

there is demand in banks banks have not been given the request that there are more than one million and hundred thousand people who registered in the system, these are the necessary conditions for the people who are now waiting to go through the system for publishers, all the subsidies of 100,000 people have been granted. that there is a minimum condition for having a house, one million people paid the conditions for the so-called housing , that is, we said that it is registered, when it is confirmed that you can in the law of leapfrogging production of housing, the first part is given, the second part is given a car that must be given with the help of bring the next destination that is being built so far, unfortunately it did not happen how many people out of this one million and 100 thousand people took the roof, followers of the mission , the facility is provided to the ministry of roads and urban development, and the facility is used for wi-fi, which is used to start, and then get more than one million residential units, the subject of the housing production leap law. it has started

it was originally created as a bank, but in 2009 it was transformed into a non-banking credit organization license was revoked in the twenty-first year, the owners were irina razoryonova and sergey lezhennin. the first clients were connected to the scheme by the end of 2018 at the peak in the twenty-first year, the turnover of the shadow business is estimated at 100 billion rubles. and the amount of criminal proceeds is 8-10 billion rubles. indicated in verification documents, which may threaten participants in the scheme. we asked lawyers, that is, two types of liability conditionally, yes , we have, well, more or less clear. this is the responsibility under the thinking of taxes being. yes, there is a group of establishments that she is using the scheme and, based on the facts of the tax , reveals that her taxes should be twice as much. well, that is, you do not earn twice as much and she should have twice as much taxes otherwise. if the amount of taxes, yes include hissing fines, the second is customized some organizers of this scheme, that is, non -participants in the organizers can be

card have a bank account from the bank that can carry out banking operations from the place and withdraw from the neighborhood . usually, how much of the transaction will be done by the end of the time at bank mellat branch, if people come at the end of the time ? the working hours of the bank are active and the market is open, it works according to the skin, there is no limit, even though it was done from sim card to card, naturally it happens that my friends need to transfer money through the banking network because of the hijra that is required, but there is no problem with them. this happened and it was decided to do it at this time , the work of the banks is carried out and they are active, as you mentioned, on normal days and at 3 o'clock. if he has it, but if he buys it, can't he come back later and buy the rest? it doesn't exist, and he can announce the price of dollars and euros in tomans up to the number of times up to the 5-year limit that the central bank has specified and bought to meet the necessary needs. the last price of the dollar today is 4373 tomans and the price of t

melli bank can offer services from the central bank in the foreign exchange hall .creates, finally, under him how should it be used? for this issue, the issue of 2000 to 5000 tomans is still the idea of ​​selling at a price that is not attached to the market. in my opinion, it works, but it has been a shorter experience of the last month, so i can explain what it did, but nevertheless , i think it is the end. even though it will reach here, probably in the future, the fact that exchanges can buy and sell to you can keep the opening of bank exchanges to the open market possible. the subject should be normal hello, my dear, mrs. rawashi, the general manager of foreign trade of the central bank, the communication line with energy. hello , please tell me how much you are going to help in the field of remittance to the iran currency and gold exchange center. as it was created with broad objectives to create transparency and facilitate infrastructure affairs, one of the tasks that will be managed through this center is the remittance hall of the exchange center, which wil

seriousness, without the banks complying, sit down and pay the amount we have arranged with the banks thing is to first serve mr. president , the judiciary, and request that this judicial action be taken with the device that belongs to the post bank in violation of the country. definitely in a system and document respected ceo, the lack of academics of the old system, people are burning except in the middle of their homework because they are accompanied by the judiciary, the ministry of economy and the school and the best work that the country needs. let's do it little by little. please, we would like to file a bank complaint against the banks, and babak belongs to the military, belongs to this country, and belongs to the people themselves . god willing, the housing problem in the country is not following the law on housing facilities. one thousand billion tomans paid by the bank payment housing thank you very much, mr. dr. rezaei, for coming to the program on the first page. i hope that this program was useful for you, ladies and gentlemen, the honorable people of iran, and that you

by banks, whether government banks or banks. private facilities, however, they are getting the loan of the facilities, in what way are these facilities being spent? in 1400, we went to the banks with my mother and i was following up on the bank facilities, especially the big facilities , which people are provided, which individuals and legal entities, and these facilities in what direction it is true that today, unfortunately, a number and figure enters the market for months and they are speculating in terms of dollars in the purchase of housing and various issues , and in fact, we can identify the roots and the origin of these money. who managed to provide all the banks with the large facilities that they should have been able to provide, but in the budget law of 1401 kilos, we mandated that the central bank is obliged to follow up all the banks and let you know to whom these bank facilities have been given. well, this issue caused it to enter from the beginning of the year and today i am at your service to tell you that in line with this discussion that i mentioned in this other m

bank. billion tomans from bank mellat and for your sake, we have several sub-accounts with private banks . it was done long ago according to the law. we had a specific and sub-question. right now bank mellat has blocked a foreigner . there is no solution. we have to first understand how many accounting statistics are available, i wanted you to tell us that we are still blocking in the dark so that people can act on it, that the highest quality and speed in providing public administration services is naturally weaker than paying the facilities to provide high quality services. any bank that offers services tell me a short story about medical sciences in every province in the city . our expectation is that as the law is given to you, we expect you to implement the law , we will have problems with the procedures, but our expectation is that there are many corrupt people in relation to this law, which really i am some of we happened in the whole country in this matter, i am really ashamed of some to point out these incidents, as you say, it is expedient for the system that this issue should

and electricity in its introduction bank mehr is financed through banks and the conditions are very difficult. there are two reasons for this. one is the credit facility that the islamic council of parliament mandated banks to pay credit based on the laws and budget of the chapter, because it is not mandatory on this side, which should be provided to the industry sector of this facility. specified that 40% of the facilities will go to the real industry, which the believer will reach, if he has reached it, it is the education of the past years that can be done or if he is seen as a muslim, the producers can get access again, and the resources of the banks are not enough to be able to pay the loan and pay the facilities. pay the production therefore, the banks are forced to pay the loan facilities first, and because the financial resources of the banks are low , but unfortunately our banks are investing in this field . first of all, because the working capital facility was not provided to the producers, especially the proposal of the economy, it is one of the cases of building assets,

and he threatened the central bank independence, the chief of the central bank in 5th, the institution plans to act independently, adding that it's so tommy gives the capacity to stabilize markets. from mulligan, spain. i'm joined now by mariano machado. he is a principal analyst of the americas at global risk, various maple cross. thank you for joining the program. why all the government on the central bank in brazil at loggerheads when it comes to brazil's economy. thank you for having us today. and that's actually the $1000000.00 question i did happening with other countries and in the world monitoring authorities decisions. this is the central banks and government positions regards to spending are have created tensions all across the world. and brazil has been no exception to this. just recently the, the ro between the central bank president, campus natal, i'm president of the country lula silver, has reached new heights, but despite technical discussions around interest rate and, and measures to tame inflation. there's also seems to be a political background to it. we tend to beli

amount for which the national bank is ready to lend this amount to other banks.ic example of a commercial bank wants a debt of one million rubles from national banks. to give people loans, the national bank says, i will give you a million, but you will give it back to me in a year and for this year of using a million you will pay 11.5% from above, the bank agrees to take a million and distributes it to people, but already at 13% a year a year later it receives its own million plus 13% from people. that is, 130,000 million returns to the national bank 11.5% for the use of a million, that is, 115,000, and one and a half percent. that is, another 115,000 is the bank’s earnings, if money in the country depreciated by 11.5% over the year, then the national bank conditionally went to zero, if it made less profit, if it lost more, because the national bank is very attentive to such calculations and does not set the refinancing rate. will lead the country to losses. why the country because the national bank is a state financial management body, it does not have the task

the central bank will be the central bank from now on . we are the user account of these accounts. companies are all those who they have order and tax file, they work as your tax account, he introduced himself, he himself tells everyone that when you file a tax file, you have one or more accounts as business accounts and account accounts, for example, not for their company, but for each person. from people who have problems in opening a legal account for their company, any legal entity and any natural person , as long as they do not have tax debt or other restrictions, can open an account for themselves. with introduced and we of course some the companies introduced several commercial accounts that we don't have information about with all the people, the central bank also announced, now from now on , if new commercial accounts want to be created, what will be the mechanism, if someone wants to open an account , he can choose an option with the banks and i mean it was that he could introduce these accounts to you in order to facilitate the process of organizing them faster. and it w

and the banks referred to really the banks of new york, philadelphia and boston. they they were the the strongest banks the best capital guys. and the others were too far geographically and in some cases impeded by the military lines from east. so you went to these banks and asked for $50 million, which was a really sum. i think we've already heard from tom that the federal debt at that time was 60 million. so he wanted to borrow 50 million in gold and bank said there is no national currency because there's no there's no single u.s. dollar. there's there there are notes from banks in pennsylvania, in gettysburg, in philadelphia, and pittsburgh, in cincinnati, ohio, in new york. but there's no one currency but each bank has its note. and the bank said to to salmon chase. we've got a much idea. why don't we just finance it with our notes we can leave the in our treasury and that will serve as a reserve and we can keep lending it in a sort of a multiplier effect the way the way central banks do with reserves. salmon chase is really a stickler for old fashioned jackso