analytical center of the case of ukraine and yevhen dubogres and a financial analyst of the siyu group mykhailo demkiv greetings e-e good morning greetings good morning let's start with such an interesting news it turns out that the kyiv authorities plan to create a municipal bank of the city and submit an application to withdraw the bankrupt bank from the market. kmda mykola povoroznyk and what do you think about this, does kyiv need to have its own bank? it seems that something like this has already happened in the past. evgeny , let's start with you. thank you. what is the initiative to create some kind of quasi-state bank , now a small bank - this is simply absolutely nonsense and this is a potential waste of taxpayers' money, which are not all state-owned companies whose budgets are financed because banking is a very expensive business, in fact, it takes several years to invest a lot in these banks just so that it will work so that it does not start to bring in any money. we are not talking about profits yet , and that is without a guarantee that there will be any profits in such a bank, and that is still