Are also introducing macroprudential measures here in october for loans with a low down payment and, most importantly, for borrowers with a high debt load. And i must again talk about unfair practices in the mortgage market. Now we see that such very obvious schemes are a thing of the past, but after we tightened the regulation, the overpricing is not as strong as it was before, but nevertheless, there are still elements of a scheme, so we need to accept, we are working together with you, a standard for mortgage lending, in the conditions of the shocks of the twentysecond year the banks behaved responsibly, managed to collect significant reserves, they are already actively financing the economy, in general, the criterion of truth is practice, we have been living without basel 3 for a year and a half, loans are growing beautifully, which means profits are growing, but there is no basel 3, what for is it we need it then, if we get by just fine without it, for me thats a trillion in additional capital, thats why im thinking of moving forward. Preferably without basel with the regulatory overheads that the central bank offers us, the key topic of the forum in sochi was digitalization, in particular they discussed the development of such innovations as the digital ruble and bioequang. Today russian banks are technologically incredibly advanced companies. Which set digitalization trends for the entire market and support the economy, including number of small mediumsized businesses. And of course, we are talking about the classic role of banks for business, for example, cash settlement services, now super digital, for Smallmedium Enterprises everything is online, everything is in mobile banks, everything is in internet banks. The development of the National Payment system, despite international difficulties, continues; there are already a number of new countries that are ready to work with the russian world card. As for friendly countries, i can say that there are no problems here, where there are full understanding, where there is really a desire, and we constantly hear news from central banks, from payment operators of these countries. That work is underway, some countries are already connecting , in some now, such as cuba , atm postterminals are about to become fully operational since february, venezuela, myanmar have been included there, elver nalna today also commented on the future plans of the central bank on the key rate , this year it may remain at the same level, but it may also increase, at the same time, according to the head of the central bank, this should not in any way. Affect the rate of economic growth. Alexander. Dmitry, thank you. Dmitry morocco spoke about how the Banking Forum is taking place in sochi. Rosatom and kamas signed an agreement with moscow on cooperation in the development of a cluster where electric vehicles will be produced. It is already known that the production of traction batteries is being localized in moscow. And this is what Sergei Sobyanin said about the new plant. Historical event for. Technological sovereignty of our country, the largest traction plant in russia is being built batteries, which are essentially the heart of electric vehicles. And the cost is a third of the car. And without this production, creating your own domestic electric car is almost impossible. The antimonopoly service opened the first cases due to inflated fuel prices. Violations were detected in the belgorod and rostov regions, krasnodar and stavropol territories, as well as in dagestan, where the association of gas station owners is suspected of cartel activity. As stated in the official statement of the department, the president association coordinated the activities of gas station tenant owners through messengers. This led to a simultaneous increase in retail fuel prices. On september 21 , the government banned the export of gasoline and diesel fuel, and on september 27, Vladimir Putin proposed regulating the fuel market by analogy with the fertilizer market, that is, allowing exports only after the domestic market has been filled. The president of kazakhstan rejected the accusation of withdrawing from cooperation with russia. In an interview with the state agency kazainform, kasym zhmar takaev stated that the country is firmly committed to full cooperation with moscow. He emphasized that kazakhstan is not antirussian, and trade turnover between states is only growing. Nevertheless , kazakhstan is forced to take into account sanctions restrictions, although, according to takaev, the country considers them absolutely counterproductive. Let me remind you that earlier the head of kazakhstan, at a joint press conference with german chancellor olav scholz, said that he had the countrys intentions to follow the western sanctions regime imposed against russia. In the middle of our country these statements have also already been commented on, they stated that russia does not interfere in kazakhstans relations with third countries, at the same time proceeding from the fact that a Strategic Partnership and alliance has developed between moscow and astana. The media emphasized that they expect further effectiveness. Work with kazakh partners. At least 52 people were killed in an explosion near a mosque in the central pakistani town of mastung. About 50 more people were injured, local media reported. By information, we are talking about a terrorist attack carried out by a suicide bomber. No one has yet claimed responsibility for the attack, but authorities believe the attack was organized by radical separatist organizations. And as it has just become known, an explosion has now occurred. In another pakistani mosque, up to 30 people may be under the rubble. The yachting industry in russia is booming. Over the past couple of years , the number of shipyards has increased significantly. Russian manufacturers are successfully replacing departed foreign brands. And the boats that stood in foreign marinas are now parked in russian yacht clubs. What could hinder the development of the sphere, see the special report by anna lazareva, immediately after the advertisement. If you want the best, then choose 12. 12 per annum on a savings account deposit with the highest rate, open a deposit with the best Interest Rate in a couple of minutes in the banks mobile application, with beres prime its more profitable. Ribbon, freshness in every purchase, 15 discount on all minced meat produced inhouse. Sber presents. 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Why is the credit sbercard the most profitable in the country . Every month a new interestfree period of 120 days begins. Make purchases, get your money back. So, again and again. Free forever, super rate from 98 . Apply online or. Benefit every day. Alexander filippov was born on the volga, in the small town of syzran in samara areas. My uncles uncle had a boat, and then. My father bought a boat, it turned out that i started driving this boat before i learned to ride a bicycle, at 13 i became interested in model making, made minicopies of planes, cars, ships, and then accidentally ended up in the yacht club. I used to think that this was something for the celestials, that for some select few, no, it turned out that you can come and get the first experience, some skills, and literally a month and a half later i was offered to go to a route race on a quarter horse , yacht 7. 5 m, i dont think twice, i said, yes, i ran home, wrote a note, mom, i left for a week and a half, ill be back for the races. Then there was a shipbuilding institute, and the only desire was to professionally design yachts. Alexander filippov had many projects, but he considers the mx700 racing boat to be the most successful. Thousands of people have passed through this boat, and getting. Skills, mastering the basics and developing as athletes, now Alexander Filippov continues to engage in sailing and heads a Production Company yachtboats the yachting industry in russia is experiencing an upsurge; it began during the pandemic; now interest in recreation and sports on the water has been spurred by sanctions and closed borders. There are two parallel trends in who kept yachts abroad. Return them to their homeland, those who are just thinking about buying, more often choose russian, not without regret , shares the general director of the polar star yacht agency, oleg gusev, his company is engaged in distribution, we represent the finnish targa, in russia and the italian absolute, both brands, we fortunately they saved relations with both shipyards, ours the work has changed, the Payment Method has changed. Logistics have changed, well, a lot of things have changed, demand has changed, of course, it is profitable to purchase russian goods, due to the fact that you do not need to go through russian customs, because to receive a russian flag on a foreign boat, you have to go through customs clearance, customs clearance in total 42 plus plus on top vat of the second pleasure, how do you evaluate the quality, well , look, of course, of course the quality becomes higher. Uh, every year russian manufacturers are becoming more skilled. You could verify this at the International Exhibition, which took place in Early September in the Northern Capital. The International Exhibition yacht koterov in st. Petersburg is taking place for the tenth time, and if the first time 90 of the exhibits presented here were foreignmade, then this year everything is exactly the opposite, nine out of ten ships are domestic, there are much more of them, more moreover, they are growing in size, that is, if before mostly. Drivers there were in size 566 m, that is, boats 89 turned out to be already very large, yes, but now most russian manufacturers are already , lets say, making or or preparing 1213 m. Its quite difficult to buy a boat abroad now, the sphere has come under sanctions, and boats costing more than 50,000 euros is almost impossible to get new ones in russia. In russia , the price for a sixmeter boat starts at 2. 5 million rubles. For an eightmeter one from 6 million. When buying a yacht from 10 meters, you need to count on at least 20 million. Parking and storage eats up 610 of the cost per year. A couple of years ago, the number of shipyards in russia was measured by the number of fingers of one hand. Now there are more than thirty large ones and the same number of piece productions. More than 5,000 boats leave the slipway in the country every year; their parameters are not inferior to their western counterparts. Kiril slepov, a yacht manufacturer from tatarstan, was able to fit the main functionality of seaclass vessels into a mediumsized boat, there is a bow seating area with a sofa, there is a mattress on the roof, there are aft opening sides, seats a convertible, a bunch of sleeping places, a separate toilet with a shower, and, accordingly, a comfortable captains place where you can control it either standing or sitting. On some longdistance voyages, in russia, a yacht must combine several functions at once, says kiril slepov. The same thing, well, lets take europe there, people there have two or three boats , that is, one for fishing, one for going out with the family for some fun, hiking, in our country , few people can afford this and dont want it, that is, this one boat for all occasions, therefore they are very careful when choosing, they look at it a lot, the price tag for such yachts starts from 5 million, plus the engine. Everyone is rooting for our national class, what can be improved, the aft part of the fin is not fixed, it begins to move away, and accordingly our well suffers, the fin suffers, well , either remove the rings and put metal there, Alexander Filippovs company produces three types of ships yachts , civilian boats and a separate area of heavy boat building, here the customers of a large company. And government agencies, per year the enterprise makes up to forty boilers. Well, this is our main molding workshop, here you can see the boats in varying degrees of readiness. Now the capacity is fully loaded. The only thing that can stall the work is problems with the supply of components; these are america, australia and europe, but there are more and more domestic partners. There is such a separate thing on the deck called a ballerina. And on the card, there are three of them. They are small, they are already doing this in novosibirsk, so we have launched the production of a fairly large yacht, this is a great help for them, we work with them in batches we buy, they can plan their development for the future, we are thus a center that promotes the development of related industries, we need domestic suppliers, and we are ready to work with them, closely, to give them, the only thing that can stop the development of the industry is the lack of infrastructure, people i want comfort, i sat down, started it, drove or raised a sail, got to water, showers, hotels on the shore of the preterrestrial sea, yes, turkey, greece provide such opportunities, it is developed there, there are billions of dollars in turnover, if you count how much money goes into the sailing industry, where they go, they leave the money in turkey, in croatia. Even now, problems with infrastructure exist, confirms Industry Expert dmitry makarov, and difficulties will manifest themselves in the winter. Yes, there is a certain shortage of winter storage places, this is primarily due to the fact that a lot of boats from abroad have returned back to russian territory and the infrastructure, lets say, is not ready, just to build yakhlub is there, roughly speaking, the question is there for a year or two, to make a good one. Winter storage is already, lets say, a long period of time, but again there are projects , that is, they are being built now, i think that in a couple of years everything will be fine there, the smolenko yacht club on the alluvial territory of vasilyevsky island opened this year, the modern marina was built with the participation of gazprom, in just 3 months, this yacht club can accommodate up to 200 yachts of various sizes, water, electricity, that is, on pontoons, which is convenient, you can come on boats. Another yacht port in the Northern Capital will appear as part of allseason recreational resort gorskoe, there will be a thousand mooring places. Marina. With an area of 240 g, but so far the infrastructure across the country is developing unevenly. If you were on the volga this year, you would see that the entire volga is filled with yachts and boats. In fact, the volga this season is simply the number one place for, uh, tourist yachting, but parking, uh, places where you can park there for the night, uh, there are very few of them. Many of them are of poor quality. The situation in the south is not simple. On the black sea, in two in the existing marinas, these are the emeritinsky yacht port and the grand marina , there is a shortage of parking spaces, especially for small vessels up to 10 m. A large yacht complex, which should appear in gelendzh for 200 vessels, can help relieve the ports. The work there has reached the home stretch. Well, old yacht clubs are being updated, investors expect to recoup their costs. At the laguna yacht club on the shore of lake ladyshskoe, on the border of the leningrad region and karelia , major renovations were completed for this season and the range of services was expanded. We provide parking for cars, 24hour security, video surveillance, we have a Maintenance Area on the water, a convenient slip for. We can provide a winter storage service. Yulia golovina, executive director of the yacht club, and her husband once transported ships around russia and knows firsthand about the problems of yachtsmen. What is missing the most . What is most lacking is comfort for visitors, that is, in principle, this part is not provided, mainly in parking clubs, it is limited by the availability of a pier, water and electricity. Think about it in the club. Not only about yachts, but also about their owners, there are storage rooms, showers, recreation areas , you can spend the night and have a snack next door, the hotel is a dot on the map, and this is a good example of the symbiosis of two types of business, we are within walking distance of the yacht club lagoon, and guests who stay there can comfortably stay in our hotel, have lunch in a gastronomic cafe , visit our wine lounge, so we partner with colleagues, learn something new, playgrounds, rope park, Sports Equipment rental, at the hotel 50 numbers, thats second place in the transatlantic race , and across the ocean, this is this plaque, this is this, this is our first place in the geraglia cup regatta, rolex geraglia cup. In 2019. Mikhail kandratiev, the head of the yachting company, has been involved in sailing for 35 years; for the last 10, he has been combining his favorite activities and business, organizing Corporate Club regattas, training, and master classes. Yesterday from the tenth they took the taxi off for repairs, today they will have to bring it in and install it, so in principle the boat is generally fine, this i arrived from the ferry, now the fleet of the company is 35 yachts, moscow, moscow region, sochi, st. Petersburg. What i see makes me very happy, in fact, because fleets are bought, Companies Similar to ours appear, other black companies, that is , sailing and yachting, yes, as they call it abroad, it seems to me, Huge Industry in general, that is, these are small yachts for children, these are huge expensive professional yachts, and of course, at the heart of all this is amateur sports, which now seems to me to be in good we are on the rise in russia, how we would like it not to stop, new clubs appear on the rivers, on the sea coasts. This time, out of fifteen participants, our boat took ninth place, and of the four members of our team, three were here for the first time, of course, a sea of emotions, a sea of positivity, i definitely advise everyone to at least try to stay and continue engage in this cool sport. Participation in the regatta costs 4,000 per person , the price includes the accompaniment of an instructor, more serious training can be obtained here at the courses, another item of expense is equipment, shorts and a tshirt this is already a wonderful yacht image for you, today you have quite suitable, and absolutely suitable equipment, and even a vest. With you, winter competitions require more thorough preparation, a suit is like overalls and a jacket, and a waterproof one will be, well, somewhere from, if not, then from 60 to 100,000, somewhere like that, you can buy a suit, well, cheaper just from a windbreaker , yes , you can buy a busuit, that is, who wants sailing, i know for sure that they always find a way to fit any budget. 10 years ago, the budget for the purchase of a boat from sergei and yulia bocherov was small 800,000 rubles. We were looking for a boat and found a whole ship. We bought it, removed the casing, looked at its condition and understood, well, even without being any strong specialists, we realized that it was on the verge of being sent to metal, that is, through holes, so little by little we began to remodel it. The alteration took 7 years; how much they invested in repairs over the years, they stopped long ago. For a couple it was a surprise that their ship in the end turned out to be a commercially successful project. The neighbors came in and said i want to go for a ride here, but can i take a ride with you, how much does it cost, yes, that is, we didnt even have such thoughts, but it can be the look of this, well, banquet ship, it seemed to evoke the feeling that this is some kind of story, where you can immediately have fun with it, and sergey and yulia are now certified navigators, free from their main work. Participation in the st. Petersburg international yachtboat exhibition for the company of Alexander Filippov was not in vain. Well, after you , representatives of the emirates will arrive at the appointed time, and we, in fact, will negotiate about deliveries there. Two boats at once , now we will talk about agreeing on the equipment, terms and shipping them by november, probably there or by december. Two boats are already there. By spring, Alexander Filippov plans to launch an eightmeter boat into production. I want to go out on serious sea boats, on which you can even go to tokyo, even there, well, they are already serious sea boats. Our seas are not like that a lot, in fact, yes, that is, the baltic, the black sea, but baikal, the far east , where is it already. Everything and the whole world is at our feet, so we are going there, we are striving there, and i hope that we will get there, the future of the yachting business now directly depends on infrastructure, we need Capital Investments , both budgetary and private, as well as a clear government policy and roadmap in this area. About 90,000 refugees have already crossed the Armenian Border with nagornokarabakh. Where are they located and what kind of assistance do the russians provide . Peacemakers. This is in the report of our correspondent in the region. 48 experiments in orbit, some in fully autonomous mode. Russian cosmonauts summed up the results of the Longest Mission in the history of the iss. The number of citizens who made the decision has also increased significantly. Voluntarily enroll in military service under a contract. The ministry of defense spoke about the volunteers, the results of the spring conscription, as well as the features of this conscription. For the first time, the Conscription Campaign starts in new regions of russia. The draft federal budget is being submitted to consideration by the state duma, how much will the budget deficit be and how will revenues be redistributed . The situation in the world obliges the cis countries to have wellequipped and trained armies, sergei shaigo stated this at a meeting of the council of defense ministers of the countries participating in the cooperation. The meeting is taking place in tula and is attended by representatives from eight states. The main topic is militarytechnical cooperation. Before the meeting, sergei shaigov, together with the ministers of defense of the cis countries and governor alexei dyumin, laid flowers at the eternal flame on victory square