The economy becomes more and e here e po special control as far as i understand that banks could somehow balance their reserves and their reserves and if suddenly i change their mind and want to withdraw that deposit, the bank must have the necessary amount of funds. Definitely another way to even create money is to issue by a loan bank in order to issue a loan , technically the bank does not need money to come to it on a specific day. To another bank and , for example, to pay salaries to employees, and this includes money brought in by individuals brought by other companies in the form of their deposits, what happens if the bank does not properly form these reserves and makes a mistake and issues them loans are more than he actually has working capital in his accounts , and when his borrower thinks that he has, for example , borrowed a hundred thousand dollars, he comes to the bank. You give me 100,000, but the bank does not actually have this physical money, i only have records on his accounts then the bankruptcy of the bank on the turnpike or if it happens , well, there are different situations, if you really want to take a large amount of dollars from some small branch, then there simply may not be any of them physically. This does not mean that everything is bad with the bank, its just that they also cant keep large sums of money in each branch, because its difficult to predict where and who will come, what youre talking about is probably about a more systemic problem. When people come to all branches at the same time and want to withdraw funds and er, there are no such funds here, there is no such situation that the bank made a mistake and somewhere did not create reserves such as prescribed by the regulator it is difficult to imagine , there are simply crises that are more than the bank can withstand, but recently we spoke in in the United States of america, people did not even come and started withdrawing money online from the bank of silicon valley, and it simply could not withstand such an influx. Even the best bank, if half of its customers come to it at the same time and want to take their money from the bank somewhere, it cannot be sustained. We must to understand that this is not the problem of the bank or the Banking System itself, but crises are too big to deal with, so such a phenomenon is called a bank run. As far as i know , when people actually run. Branch in order to collect their funds, sometimes this happened in ukraine and then the state comes to the rescue. It can act in different ways. It can either lend money to the same bank so that it can pay these funds, or it can temporarily introduce a moratorium. We know that during the orange revolution there was a shortterm moratorium on the payment of deposits, or he or he can declare the bank insolvent and pay some sums to the banks clients and guaranteed contributions there is such a fund for guaranteeing deposits of individuals as far as i remember, 600,000 hryvnias are paid now or some other bag during martial law, the state guarantees all 100 of deposits, regardless of whether you have 600,000 million 2 million, all funds are paid so that in this difficult time for the country there will be no similar th kind of outflows from the Banking System so that we do not have one more problem to burden all those that exist, that is why such a situation allows us to avoid the events of banks and checks near the branch, and when after the victory, this act will continue to operate for three more months this is a conscientious guarantee. Nothing, we will go to uah 600,000. Well, actually, we got to the question. And who controls the work of the banks so that they behave honestly . Suddenly it seems to me that my bank is deceiving me, well, it happens differently in Different Countries , for example, in ukraine there is a system that is close to a megaregulator, when the National Bank of ukraine controls the immunity policy , controls the supervision of banks, controls the supervision of nonbanking financial structures from of Insurance Companies to exchangers, respectively, all complaints in us are almost entirely directed to the National Bank of ukraine as a kind of megaregulator in other countries, for example, in poland , the functions are divided, and in countries that have the euro in them, the central bank does not engage in Monetary Policy because they have delegated their powers to the paneuropean level. There is a central bank someday in the future ukraine may also come to this situation, but now there is the National Bank as a megaregulator as far as i want to keep a new term has arisen in us Monetary Policy in our conversation. I think that not all viewers understand what we are talking about, but from your words i conclude that it is something about the currency in ukraine, the hryvnia, and that is why our central bank, the National Bank , also regulates how the hryvnia behaves. But in poland, zloty in poland. But in other countries of the european union, where the euro is used, they transferred this function to brussels, where the office of the European Central bank of the European Central bank is located. It is the same in ukraine and in poland. Central banks National Bank in ukraine, this is our own name, the central bank is a common name , for example, in poland , the central bank is also engaged in the establishment of Interest Rates in the economy. Our neighbor in slovakia introduced the euro a few years ago and , accordingly, their central bank there is a little more limited in what functions it performs , in many respects, they come down to er statistics of monitoring what trends are happening in the economy and similar things, they transferred part of their functions to frankfurt and the central bank. So, we understood that ukrainian counterbanks. The National Bank of ukraine is a rather powerful institution, it is such a megaregulator that controls not only the activities of banks, but also the activities of financial Insurance Companies companies such as pawnshops, for example, or credit unions, and it is also responsible for the stability of the National Currency and actually determines the value of money in the economy. This is the selfaccounting rate of the central bank it how much is a loan for a commercial bank of an ordinary bank that wants, for example, to receive money from the central bank, and such a megaregulator looks like a rather powerful and powerful institution, and there is a fear that such a megaregulator can influence state policy on the entire economy of the entire country. Who controls the turn of the central bank well, actually, the National Bank is a very powerful and important player in the economy of ukraine, and there is such a thing called the independence of the National Bank, which prescribed at the legislative level, which is realized in how difficult it is to dismiss the head of the National Bank, very, very good reasons are needed for this, it cannot be a political decision, which is simply under the influence of some wishes, for example, the deputies, so the president offers the parliament a candidacy, a program where there is uh he agrees, but then it is quite difficult to release him, and this is done so that the central bank does not act on the agreement for some momentary political interests. Well, to put it simply , before the elections, he did not print money for so that they were distributed and pursued a more balanced policy. If we talk about the control of the bank, e. E. , the central bank, there are certain laws that can do and cannot do, but in many ways it remains on the conscience of those people who manage the National Bank, as well as the function of the regulator of such supervision is transparency. The National Bank publishes a large array of data every day and all interested parties can see whether the National Bank prints money or prints what is happening in other countries for its activities and in principle this kind of symbiosis of these things gives you confidence that the National Bank is conducting its policy correctly or incorrectly if you see from the numbers whether something went wrong well, you said that there is always a government and officials there is such a temptation to press a little to the National Bank in order for it to print money, for example, before elections or, for example, when there is no crisis in the economy and we really need money in order to pay the salaries of state employees. We remember that there was such a situation in ukraine in the 90s, and then the central bank was even on its own according to the laws that were in force at that time, it was dependent on the government and the government could legitimately put pressure on the central bank, and then how it all ended, we also remember hyperinflation, prices rose almost every day and no one felt good about it now we can observe something similar in turkey. As far as i understand, is there smuggling independent . Well, in turkey , elections were held there and the head of the central bank was changed, which began to implement a slightly different policy, and we will see what actually happens. This story is only in development. As for ukraine, you can recall not only the years 20102013, but also the year 20102013, and in general, this kind of printing hidden money money by the National Bank of ukraine, it ended somewhere around the turn of 1516 years after that in our policy was quite balanced and there was no need for a friends money, but until the russians invaded our country, and nevertheless, even after the twentysecond year , a difficult year after a friend, about 400 billion hryvnias , now that the situation has stabilized the National Bank of funds does not print in this way and, in principle, only has reserved the right to print if the situation is really bad , but so far such a situation has not occurred and i hope it will not occur in the future. I hope that we have literally a few left. Minutes i would like to ask about such a futuristic thing as Digital Currencies , e. E. , contrabanks, there was once a conversation about a digital hryvnia. And is it something similar to cryptocurrencies . Is it something completely different . That these are some conspiracy theories, conspiracy theories are spread really a lot, returning to our example of the paper hryvnia and the electronic hryvnia, this ee hryvnia was issued by a ee commercial bank whose client is, as for the ee electronic hryvnia you are talking about, this is a way to replace this paper hryvnia paper for eeecash, which, for example, will be issued by the same National Bank of ukraine. There are a lot of arguments for, first of all, this is an opportunity. Well, first of all, i will not worry at all about these funds, since the bank may collapse and the National Bank is the issuer of the hryvnia. The National Bank can better influence the level of Interest Rates in the economy if it offers certain ee interest on these funds for some kind of deposits, and do you remember that before the war there was a big e this one thousand that could be spent on books and on air flights within the country in order to stimulate support with funds , it will be possible to program them to spend in a certain method for example, if you receive unemployment benefits, you cannot buy cigarettes or alcohol with it, that is, the benefits are there , but just as bad, governments can monitor you because cash transactions are plus or minus anonymous. We need to think in advance whether we are ready to use such nonanonymous digital money, which , moreover, may be limited in its use. Thank you, mr. Mykhailik, for explaining how the ukrainian Banking System works, yes in general, Banking Systems all over the world, but demky, a financial analyst of the icu investment group, was on the air of the espresso tv channel. I will say goodbye to you until tomorrow at 8 10 a. M. We will talk. Savings. What do you think about lacalut fix . It fixes me reliably. My dentist advised me to do so and food particles do not get under the prosthesis. The price is good. The right choice for my pension. New cream for extrastrong fixation of dentures and healthy gums. So your choice is fix meet the new good Value Package 70 grams twisted the back noticed the rapid burning gel and cures the pain of pain in the back and joints flamidez every day every hour every minute we get a lot of information even expectations that the event of the year what is actually happening at the front what are the losses of personnel and equipment on on the battlefield, how does the International Community evaluate our successes and what is moscow lying about from the stream of news coming from everywhere, we separate the most important ones from closely monitoring whether there will be weapons for ukraine and what and what they are whispering about russian occupiers behind the backs of the commanders news summary of the week this is a review of only important events, events of the weight of credibility this is analytics, fact checking, professional comments about this , much more today, about important things in simple language, available to all viewers. Welcome to the news. Summary of the week, every saturday at 9 00 p. M. Of the week in the judicial control program with tetyana shustrova, the bribe of the head of the state judicial administration, two and a half thousand dollars, salnikov should have kept for himself for Intermediary Services and how salnikov managed to privatize the official housing, the documents provided to us testify to his stable financial condition, watch the judicial control program with tetyana shustrova on the espresso tv channel on august 410 at 5 45 p. M. The war continues and not only for territories, it is also a war for umy russia is throwing millions of naftodors to transform of ukrainians in malorossi ukraine the state of the highway analysis and analysis of information about ukraine by russian propagandists specific facts and methods by which enemy propaganda turns people into obedient zombies plans to unite vote residents of the ldr lets counter the information attacks of the russians in the project of the chronicle of the information war with olga len tuesday thursday friday at 17 10 on the espresso tv channel Mykola VeresenVitaly Portnikov and the main topics of the week if it will be used against ukraine god forbid really Tactical Nuclear weapons are definitely will change the world stories , problems, analysis and personalities, we are waiting for john gerbs, the former ambassador to the United States in ukraine thank you for the transformation, you have questions, you will get answers, so questions are waiting how should you analyze the athletes of september that on friday at 21 15 on espresso a Big Broadcast of vasyl winter two hours of air time two hours of your time two hours to learn about the war and how the world lives 2 hours to be aware of Economic News and new sports two hours in the company of favorite presenters, presenters who have become likeminded to many, as well as distinguished guests of the studio, events of the day in two hours , vasyl zimis Big Broadcast, a project for smart and caring people, in the evening, nayspresso, watch this Weeks Program and collaborators who stole the red carpet to the occupiers in oleshkas is returned only in the form of ukrainian spillage and how the sellers took ukrainian children to russia clearly say большое спасибо to leonid eduardovych from slutsk, the line of the ldpr party, the country should know its traitors to their faces, thats why every week we name the names of those who work for the kremlin, this is a program of collaborators and im olena kononenko, let me bring you a new batch of adjusters, this city of oleshka in the kherson region had the name tsyurupinsk until the 16th year. But after decommunization, it was given back the historical name oleshka a unique geographical location, the largest desert in europe is located nearby, a unique manmade forest and a whole series of iodine lakes, this is an ancient city with an amazing history, a unique nature and the cossack spirit, at the beginning of the 18th century , oleshkivska sich was located here, but on the mighty cossack land, the dirty boot of the rashists stepped on it from february 24, 22 year, the city was under constant shelling and later occupied when the russian army blew up the kakhovsky hydroelectric power station, the city was almost completely flooded. Unfortunately, the waters of the dnieper did not take away those traitors and accomplices which at the beginning of the occupation was plagued by new enemies, this zhuravka georgy volodymyrovych was born in the Mykolaiv Region in 1959. He is the founder and head of several public sports clubs of martial arts jiujitsu sambo and judo and the District Federation of sambo and judo. In the 19th year, he regularly nominated his candidacy in local elections , and in the 19th year, in the 19th year, on the parliamentary boards of programs such as the elimination of monopoly and the formation of a competitive environment, as economists as a producer, we always talked a lot about the need to make equal conditions for small and large business. He did not convince zhuravko in his choice and did not get into the parliament. However, this did not stop his political ambitions. Already in the 20th year, he simultaneously participated in the elections to the Kherson Regional Council and for the post of oleshkiv mayor from the block of volodymyr saida, and once again he flew by, and the thirst for power was so strong that when the city was aggressively occupied, this petty politician was the first to run to serve his time before the murderers for what he they appointed a fake mayor oleshok oleshka did not enter the rings here to this day remain part of the Russian Federation there we live according to the russians i wonder why you kill robbery and the removal of toilets there is still a possibility when olezhka flooded according to the information of the National Resistance center a hundred people died in the city this treachery is not up to the government refused to evacuate those who did not have a russian passport, instead, they rushed to the cameras, they traditionally lied, i believe that starting in the morning and ending somewhere before 5 00 p. M. , people were evacuated. There is no refusal in technology, people are moving the armed forces known there, they banned the exit of people from kherson, blocked the report of the ukrainian people, for which they were sent to prison or in the ukrainian black earth. By the way, it was there that the nephew of george zhuravko, oleksiy zhuravko, was the owner of several orders of merit of the second and third degrees, as well as numerous an award for cooperation with the internal Affairs Bodies of ukraine, a deputy of the fifth and sixth convocations of the parliament, and slipped into a traitor , but there is a nuance of a dead traitor. Oleksiy zhuravko was born in 1974 in zhovtyh vody , dnipropetrovsk region, grew up in Childrens Home and the oleshkiv childrens boarding school since 2006, peoples deputy of ukraine from the party of regions Sport Committee of the world а еtо россия мы моеме we cant kill you when zhuravko was not elected to the Verkhovna Rada in 2012, he became an instrument of russian propaganda in february 2015 joined a rally in moscow against on the maidan, in addition to zhuravka , the expeoples deputy traitor oleg tsarev was also seen at the rally, who only lost 8 years of banderization in 2015. Zhuravka collected his money and flew to russia , from there he began to distribute numerous dirty and openly commissioned interviews about ukraine only in the form of the upa ukrainian spill and all the scum from loh this is russia and you and our Law Enforcement agencies this was proven in 2018 during the pretrial investigation conducted by the Investigative Department of the sbu in the kherson region, it became known that zhuravka in 1415 he financed the terrorists of the socalled lpr and dpr when kherson region was occupied by the rashists, this patsyuk returned to kherson and from there continued to run his Youtube Channel with almost 70,000 subscribers, he called the occupation liberation from ukrainian nationalists called on russia to bring the special operation to the end and you work for the special service of ukraine to the western borders of ukraine, this is also the case, they should also be punished and they should be severely punished in a correctional colony. As a result of cotton in one of the hotels in the center of kherson, the traitor died, he paid the price for serving murderers and cats, voted in the referendum for joining the region to russia and illegally exported of ukrainian children, another collaborator from oleshok soup, vitaly oleksandrovich, he is 53, originally from the poltava region, until february 24 , little was known about this traitor, he had a driving school, was a driving instructor and spoke ukrainian, but after the attack of the Russian Federation , he forgot. The director of a boarding house for children with disabilities well , really, driving a car and a boarding school with special children were the same thing twice skadovsk, so this is a presented gift god bless you. All the best. Its a bright holiday. Its nice to receive gifts from such people. We dont forget. The media reports that this bitch. I want to add the letter a to the end of his last name. He is involved in the abduction and deportation of ukrainian children to the territory of the temporarily occupied crimea and the submission of their transfer to russia. This was thanked by the deputy of the russian state duba for the gifts and help to the boarding school, say a big thank you , the deputy of the ldpr, the agreement by our profile minister , velkhatnoe, further viktorivny for the help provided your tongue wont dry up from such intensive work. Ukraine will surely age its children back, and people like you will be punished. And finally, i will tell you about malashkevich elena mykolaivna , born in 1983. She and her husband support the occupiers, they got russian passports and positions elena they made the director of the oleshki lyceum of reliability that now everything will be different that we will listen to them, we will only solve all ethical questions finally our parents will stop sending or to school to this desk and so on vite прозываем российской федерация this is a selfdirected process of passing to russian standards of education, obtaining textbooks with a rewritten history, painting teachers and children, burning ukrainian books, all these are the new duties of the headmistress of the lyceum, money for tulle , now definitely no one passes, because the school actually does not have a raska, which you praise so much expelled others, killed, destroyed houses , cities, villages, created an ecological disaster, but you did it, we do not see the truth in our eyes. Unfortunately , the city of oleshki is still under occupation and even though there there are almost no residents left, it is important to remind who created the red carpets for the rashists and worked with them, forgetting about their conscience, the whole kherson region suffered with torment and pain, so the ashists were welcomed with bread and salt , so now wait for the punishment, everything will be strictly vile traitors and scoundrels, release is coming soon , despite the great the number of sellers throughout the country, we remain united and unwavering in our pursuit of victory, we keep our lines, we believe in the armed forces and destroy evil, each on his own front, help us expose collaborators if you have information about supporters of the kremlin in your cities or villages, write to us at this email address or simply on facebook, together we will track down all the traitors on the trail of the russian ship, we will see it in a week on the air of express , watch the program of the ukrainian voice of america service, i am nataliya leonova. Congratulations , germany will provide ukraine with a new package of military aid, which in particular included two more posk Patriot Air Defense systems , the German Government announced this on wednesday, and the german concert rai metal bought about 30 tanks from the Belgian Company uappland systems to the leopard alone in order to repair them and