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sberbank - summer will be bright. good afternoon, dmitry nikolaevich. hello.thank you for coming to our studio, it has already become traditional. and let us begin our conversation with the introductory company, it began just today. what areas are a priority today. the spo system, of course, is now a rather exciting situation for all applicants, their families, we wish everyone successful admission, and all conditions have been created for this, there is a service enter the university online, which makes it possible to submit documents online to five educational institutions in five specialties, which significantly expands the opportunity for our audience. the unified state exam for our students, apparently, is already the consequences of the harmonized program of study and exams, which the ministry of education worked on, we see high scores, we see, that the guys choose social science, computer science, as the main subjects in which they passed, respectively. from the point of view of admission , the main areas that the guys are interested in are, of course,

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and that's how we work, and i will tell you that our largest partners are , of course, sberbank, vtb,azprombank, we are trying to establish contacts with psb. so, in general, our ambitions are to build syndicates with several dozen banks, we don't know this yet. and this consonance that we are talking about is not four banks. these are 40 banks, and for us this is a difficult task, here we have the head of our eurowindow syndicates, and we have formulated this task internally, discussed it with elvira sakhevzadovna, we will try to build this business, it is difficult, now we are talking about 40 projects on the factory project financing, if you only knew how difficult it is, but now there are new syndicates with new banks ahead, thank you dim, we don’t need a quartet, we need a choir, yes, thank you very much dmitry, you have given us such tasks set clear, unlike smes, ivanovich and i never argue, so we understood the task, accepted it, and are starting to work more actively. i hope that anatol will rehabilitate us a little, because so far it has only been mentioned to sberbank. thank

to finance anything, can we conclude that sberbank, even sberbank does not believe that russian businessmen able to build some kind of business now in the twenty-fifth year? the point is not whether he believes or not, whether businessmen believe that it is possible to do any business in russia at all, which will not be unprofitable and can recoup the loan that needs to be obtained to start this business. by the way, regarding the previous question, when one industry helps, another, supposedly helps, for example, to save, and russian railways should reduce tariffs so that coal miners can cheaply transport coal to the far east, due to this somehow survive, but russian railways itself cannot do this, it comes to the government asks for money from the budget to compensate for lost income, so it is impossible to save one industry at the expense of another, this is the first, second, it is impossible to start investment projects in a country where the inflation rate is not predicted, where the situation with demand is not predicted - where it is generally unclear what will happen there tomorrow

vyacheslav, can we conclude that sberbank, even sberbank, does not believe that russian businessmen will be able to build some kind of business now in 2025? the point is not whether he believes it or not, but whether businessmen believe it, that it is possible to do any business in russia at all, which will not be unprofitable and... which can pay off the loan that is necessary to get to start this business. by the way, regarding the previous question, when one industry helps, another supposedly helps, in order to save, for example, russian railways should reduce tariffs so that coal miners can cheaply transport coal to the far east due to this somehow survive, but russian railways itself cannot do this, it comes to the government asking for money from the budget so that it is compensated lost income. therefore, it is impossible to save one industry at the expense of. they did not fully understand, or this is an old story, but for some reason they do not solve it, well, they have no options, they have no options, but what do they need to somehow talk on tv about how they are saving coal

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sberbank. summer will be bright. well, now let's talk about the economy.have maria grigorieva in the studio. maria, the russian direct investment fund has signed 11 agreements, including with indonesia. and tell us, what is it about? we agreed, tatyana, we agreed to create an investment platform for 2 billion euros. all the details i'll tell you in the issue. today, the central event of the st. petersburg international economic forum, a plenary session with vladimir putin, will take place. well, the program for this day will begin with a business breakfast with bera on the topic of rates against growth, what will the coming year be like? also, in the morning, there will be separate discussions, in particular on the topics of tourism, the domestic auto industry, financial... the next story is about analytics, i see a huge difference here, i believe that between the regions. how they work out this information, and it is very easy to determine, here is who torments me the most, he most likely is the one who is moving deeper in matters of working with budget f

bank as an assistant, we are glad to meet in our morning studio, deputy chairman of the board of sberbankarus elena dimidenko. good morning, good morning, elena, well, really, how do technologies in a bank, it would seem, become an assistant in everyday life, tell us, please, well, you must agree, today we live in a time when changes occur at an incredible speed, every day surprises us with new technologies, new products, new offers, but it is important not just to create something new, it is important that this new helps us every day in any life situation, that is why we look at him as a person, a person who has daily needs, who has his own goals, his own worries, and in these goals and worries we should always. a real life scenario, in fact, we are focused on studying these real life scenarios, studying the needs in each real life scenario of our client, and only after that , based on this knowledge, we create absolutely everything, these are our products, these are our mobile application interfaces, but here , of course, technology comes to the rescue, today sberbank is a high-tech ban

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our dear guests, good morning, i am very glad to welcome you to the traditional sberbank breakfast, here, today in a traditional, in a traditional place, unfortunately, with a traditional st. petersburg the weather, it's cloudy and rainy outside today. but judging by the smiles of everyone in the room, it didn't affect our mood in any way, i hope it was the opposite. today we traditionally discuss the most pressing topics that are on today's economic agenda. uh, we always identify these topics with the help of sociological research among russian business, and today we called our breakfast rates against growth, the word, the word rates has a double meaning, today - obviously, the most discussed topic are precisely the high rates on the market, and this, and this is called by business the problem. number one, and by a large margin from all other problems. therefore, we have put this problem as the first for discussion, but we would not like to spend on it maybe. a lot of time, we would like to discuss those factors that are under the control, more under the control, of business, more under

to find ourselves in an unforeseen situation, yes, we cannot expose such a large institution as sberbank to risks, from the point of view of relief, i would not say right now, for now i would say that this is only a designation of a trend, and i think that businesses can start to think about it if the rate cut is at least 4-5%, in general, everyone is looking not at the general level, of course, of the key rate, but at the real rate, and the real rate remains quite high, if you look at current inflation, then the real rate, that is, the difference between the central bank's key rate and the push to work even better, even faster, i don't see, frankly speaking, that anyone we can compete, among banking players, if you name me any bank that has the same level of services or... the interview said that he offered me to buy tabank three times, and i did not buy it, because when they were very small, i told them that you will be our competitor, he says: what competition, we are very small here, he says, no, you are doing the right things and sooner or later you will become a competitor, they th

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what do sberbank's data show, what was with business, what is with business now, what is with issuing loans now? thank you for the question, well, they are probably still holding up, because after all, the decline rates from 21 to 20, well, it is not so directly significant, all the same, the winter of rates in some sense continues, which of course is reflected in demand, demand for loans has probably fallen , what may be the most disturbing thing is that enterprises mainly take working capital loans to maintain their activities, to a lesser extent. it will continue, well, and the third is actually also the presence of a state support program, these are such as guarantee support - corporations of small and medium-sized businesses, which can guarantee for military loans, which allows, accordingly increase the volume of issuance of approval level for smes. the first half of the year is traditionally calmer in terms of growth, and if we talk about the sme loan portfolio, it is at such a... makes mining obviously more profitable, and companies can even at such rates, under such conditions

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