this affected the entire trajectory, thank you, the next question is online, marina ivanova, vostok teleinform

has affected the entire trajectory, thank you, the next question is online, marina ivanova, vostok teleinform news agency, andean city, please, marina. good afternoon. tell me, are there any concerns about the implosion of the credit market due to today’s events, or do you think banks will still be able to adapt to new conditions, is a banking crisis possible in the country? thank you. thank you, we don’t have such fears, it is impossible to talk about the collapse of the credit market. although lending is slowing down, it is growing at a high rate, so corporate loans... are growing at the level of 20% in annual terms, even a little more, unsecured consumer lending is growing at a rate of 15%, not to mention mortgages, mortgages are growing at a rate of around 30%. and our policy is aimed at ensuring that these lending rates are more balanced, our forecast for loan growth next year is positive, we expect loan growth by 5, 10%. banks will certainly be able to adapt to current conditions, this is already happening, they are in good shape, they have a sufficient capital reserve to increase lendi