BELARUSTV — broadcast
20260818 062000 UTC
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[00:00:25] Sphere of interests on air on the first news we talk about notable
[00:00:29] events. With you I'm Svetlana Lukinyuk first
[00:00:32] the main topics of today's issue: trust in one's
[00:00:36] ruble, savings activity of Belarusians at a high level
[00:00:40] more deposits from 3 years and older.
[00:00:43] Housing construction with a loan at 1%, the real
[00:00:46] estate market in Belarus is rebuilding under new conditions,
[00:00:49] we will discuss all the nuances. And Belarusian baking is firmly
[00:00:53] established as a brand in demand thousands
[00:00:57] of kilometers from Minsk. Last year +30%.
[00:01:00] sales. We will tell you about all this, as well as current exchange rates in the
[00:01:03] next 15 minutes. In July,
[00:01:06] the savings activity of Belarusians remained at a high
[00:01:09] level. Term ruble deposits as of August 1
[00:01:13] reached 18.4
[00:01:16] billion rubles. They increased by almost
[00:01:19] 513 million in July. The share
[00:01:22] of term ruble deposits in all term deposits of individuals
[00:01:26] reached almost 73%.
[00:01:30] We will talk more about this right now with the first
[00:01:33] Deputy Chairman of the Board of the National Bank, Alexander
[00:01:37] Yegorov. Alexander Andreevich, we welcome you,
[00:01:40] the share of Belarusian deposits
[00:01:43] is growing. Belarusians are actively using this opportunity,
[00:01:47] saving their money. What dynamics, what dynamics does the National
[00:01:51] Bank note? Well, if we talk in general, we are observing,
[00:01:54] in principle, a very good dynamic of growth in deposits of individuals
[00:01:57] since the beginning of the year.
[00:02:31] in rubles, and here the trend, it is a very important one,
[00:02:35] is that the majority of the population invests
[00:02:38] funds in long-term deposits, and not just
[00:02:41] long-term deposits, but non-interest-bearing long-term
[00:02:44] deposits, the share of such
[00:02:47] deposits in all term
[00:02:50] deposits in Belarusian rubles has exceeded
[00:02:53] 85%, that is 87%,
[00:02:56] and we see a growth of approximately...
[00:03:02] 3.5-4% each month, so this is a constant
[00:03:05] dynamic, we really hope that this dynamic will continue in the current
[00:03:08] year, well, of course we set the banks the task
[00:03:11] that such a dynamic should be in subsequent years, that
[00:03:15] is, no less than 10-15, and maybe even
[00:03:17] 20%, we had these deposits
[00:03:20] grow annually, why such a figure, because it consists of
[00:03:24] two components: the first is, of course,
[00:03:27] the growth of household incomes, that is, if we have about
[00:03:31] 6-8% in real terms, in nominal terms - this is about
[00:03:33] 15%, then at least by this amount
[00:03:36] deposits of individuals should grow, but we
[00:03:40] still set ourselves the goal of increasing savings activity,
[00:03:43] respectively, the volume of deposits, it should grow
[00:03:47] at a faster pace compared to the growth of household
[00:03:51] incomes, which is also important, this year for the first time we paid attention
[00:03:54] to deposits with a term of over 3 years, and for
[00:03:58] these deposits the dynamic...
[00:04:30] Well, I would highlight three main factors here: first of all, it is the
[00:04:34] general level of trust in the national currency, yes, if earlier
[00:04:37] there was a constant expectation of devaluation of the Belarusian ruble,
[00:04:40] say against the dollar or the euro, we are now observing that the dynamics
[00:04:44] of the Belarusian ruble against the dollar are
[00:04:47] multidirectional, there may be devaluation,
[00:04:50] there may be strengthening, respectively, in these conditions the population
[00:04:54] focuses on their long-term goals, if you save
[00:04:57] for purchases within the country, then there is no point in saving. It is much more profitable
[00:05:01] to save in Belarusian rubles at a good interest rate. The second important factor is
[00:05:04] , of course, the interest policy.
[00:05:07] The banks and the National Bank oriented the banks towards this, the interest
[00:05:11] rate should be from the point of view of a) the inflation level, b) the level
[00:05:15] of inflation expectations, and we see how this works in two
[00:05:18] ways: on the one hand the population sees that the level
[00:05:22] of rates is higher than the inflation level, higher than the level
[00:05:25] of their internal inflation expectations, so they invest
[00:05:28] money in Belarusian rubles, but due to the fact that a large
[00:05:32] volume of investments is made in Belarusian rubles, it is possible
[00:05:35] to conduct monetary and credit policy more competently
[00:05:38] and effectively, this allows to reduce, in turn,
[00:05:41] the level of inflation and the level of inflation expectations,
[00:05:45] accordingly, not to raise interest rates on deposits and not to raise interest rates
[00:05:48] on loans, well, and of course, the third factor is
[00:05:52] the normal growth of household incomes, the population has satisfied
[00:05:56] its basic needs and is now moving more towards a savings
[00:05:59] model, accordingly, if for currency we see a level of rates
[00:06:02] of about 1%, 15%, then for Belarusian
[00:06:06] rubles for long-term - it is above 14%. Well,
[00:06:09] it is obvious that in the medium term,
[00:06:55] How will the situation in the real estate market change and what should
[00:06:58] potential buyers expect? Anastasia Strelkovskaya has
[00:07:01] the answers. The entire market is buzzing due to
[00:07:05] the fact that one-percent loans for
[00:07:08] primary housing are already spreading. Similar
[00:07:11] videos have appeared on social networks a lot in the last week,
[00:07:15] every day different opinions and reactions pop up on
[00:07:18] the Internet, some are ready to run to the bank right away, some are calculating
[00:07:22] the family budget, others are calculating the overpayment amounts for a loan for their
[00:07:26] own corner in a new building or are already taking a place in line near
[00:07:30] the developer's office several hours before the start of apartment
[00:07:33] sales. Third, they predict what the
[00:07:36] reaction of the real estate market will be to such an unprecedented
[00:07:40] phenomenon, but first things first.
[00:07:44] A loan at 1% per annum is a chance for someone to get closer to
[00:07:48] a cherished and perhaps long-standing dream, a kind of window
[00:07:51] of opportunity for Belarusians and for the economy
[00:07:54] as a whole, because construction is an industry that makes
[00:07:58] a significant contribution to the country's GDP. In addition, it
[00:08:01] attracts related areas, because an apartment
[00:08:04] needs finishing and furniture, and this is the stability of our enterprises'
[00:08:08] work, which means that the higher the demand for square meters, the more
[00:08:15] new ones will be built, which means that the volumes of production of other products will also increase, so a comfortable loan is an important step, but you can
[00:08:19] count on it only if the apartment is in a new building,
[00:08:22] the minimum rate for the first 2 years, then already
[00:08:26] the market 15.4. The loan is issued for 20
[00:08:30] years, the first days of the launch
[00:08:33] of this product, in principle, showed quite a
[00:08:36] great interest of our citizens in this
[00:08:40] product from the number of partners that we
[00:08:44] have today, there are eight partners today, you can see on our website, they have already
[00:08:47] joined these conditions, but I would like
[00:08:50] to note that every day, almost every day in
[00:08:54] the near future, the list of partners
[00:08:57] who are ready to issue on such terms will expand,
[00:09:00] the lending program applies both to the capital
[00:09:03] and to some regional new buildings of partner
[00:09:07] companies, the maximum loan amount is not limited, but for...
[00:09:10] in case of their non-fulfillment, the legislation
[00:09:42] allows the bank, including to seize the apartment for which the person
[00:09:45] took the loan and sell it at auction, relocating the person to
[00:09:49] less well-maintained housing, so no one would want such a development
[00:09:53] of the situation. By the way, early repayment of the principal debt
[00:09:56] is allowed at any time, without penalties. This means that
[00:10:00] if free money appears, you can immediately transfer
[00:10:03] it and thereby avoid overpaying at a high
[00:10:07] rate after 24 months
[00:10:10] of the grace period. It turns out that
[00:10:13] this loan allows, due to this grace period
[00:10:16] of deferment on the principal debt, to solve the issues with secondary housing,
[00:10:20] possibly for the period of this, let's say,
[00:10:23] preferential interest rate. During the preferential interest rate,
[00:10:27] sell your secondary apartment, rent for the period of construction of a new
[00:10:30] house for a year or two, and thus pay for the new building and solve
[00:10:34] your housing problem precisely by attracting a credit
[00:10:38] product, as well as by acquiring a new building, and not an apartment on the secondary
[00:10:41] market. Experts differ in their assumptions about what future
[00:10:45] awaits the real estate market, some are sure that significant
[00:10:48] changes are not foreseen, others, that the secondary market
[00:10:52] will go into the shadows for a short time, but one thing is clear, at first
[00:10:56] interest will definitely be directed to new housing. Anastasia
[00:11:00] Strelkovskaya and Nikolai Lashkevich. Sphere
[00:11:02] of interests.
[00:11:07] And now the results of trading on the Belarusian currency and stock exchange. The Belarusian
[00:11:11] ruble strengthened against the Russian ruble and lost in price against the dollar and
[00:11:14] yuan. So, the dollar exceeded the psychological
[00:11:18] mark, it costs 3 rubles 1 kopeck. The euro exchange rate, according to the
[00:11:22] National Bank, is 3.49. For 10.
[00:11:25] The yuan at the auction was given 4 rubles 50 kopecks. And 100 Russian
[00:11:28] rubles costs 3.56
[00:11:31] Belarusian rubles.
[00:11:36] We are harvesting a new crop from the fields and calculating the weight of the loaf and
[00:11:39] profit from foreign sales. Last year, our
[00:11:42] country set a record for food exports - 10
[00:11:45] billion dollars. Products that were still ears of grain yesterday
[00:11:49] are bringing in foreign currency today. So, new
[00:11:52] crop flour is already arriving at the bakeries, each
[00:11:56] ton, passing through the hands of bakers, increases its
[00:11:59] market value many times over. Belarusian
[00:12:03] bread baking is firmly established as a brand and is in
[00:12:06] demand thousands of kilometers from Minsk. Last
[00:12:10] year, bread export figures soared by as much as
[00:12:13] 30%. Anastasia Yaroshchik Kornienko will continue
[00:12:17] the topic. The path of grain from
[00:12:21] field to table for each piece of bread.
[00:12:25] The labor of hundreds of people, agrarians, technologists,
[00:12:28] logisticians, sellers, all together as one team, they create
[00:12:32] food security for the country. Work is in full swing in
[00:12:35] the fields, it's no less hot today in the bakeries, where flour from the
[00:12:38] 2026 harvest is starting
[00:12:41] to arrive. Traditionally, the harvesting campaign is a kind of start of the season, for which
[00:12:45] bakers prepare tasty novelties, striving to be in trend
[00:12:48] with youth gastronomic demands. Today, they already produce
[00:12:52] a wide range of dry breakfasts and crispy
[00:12:56] snacks with top flavors, sticks, grissini, small taralli crackers, crunchy
[00:12:59] crackers and crispy crackers. The modernization plan
[00:13:03] provides for investments,
[00:13:06] development, new production facilities, installation of new
[00:13:10] lines, this current year,
[00:13:13] a line for the production of
[00:13:17] layered cookies of the Tuk
[00:13:21] type has already been delivered to the Kubrinsky bakery, an assortment that is in demand.
[00:13:25] This is a serious import-substituting project. On an industrial scale, by
[00:13:29] the new academic year, the production of products will begin, which will form the basis for
[00:13:33] tasty breakfasts and snacks. We
[00:13:36] are at the start of sales
[00:13:39] of burger buns for burgers, that is, everything that our
[00:13:43] youth loves, the trends that they set for us. In the
[00:13:46] coming days, in branded stores, you will be able to familiarize yourself with these
[00:13:50] products, make new tasty breakfasts for your children. We already have this
[00:13:54] line.
[00:13:58] In 2025, the assortment of stores was supplemented
[00:14:01] with 370 bright new products, among them the shakotis dessert. There is a
[00:14:05] widespread belief that it was invented in Germany, but in the border regions of Belarus
[00:14:09] it has been baked for almost a century, carefully preserving the original folk
[00:14:13] name bankukha. Last year, bakery organizations
[00:14:17] produced more than 10 thousand tons of healthy
[00:14:20] food products. For example, at this Minsk site, they even developed a bread
[00:14:24] diet. They launched a line of fitness bread varieties, grain
[00:14:28] with carrots and flax seeds. Thanks to the introduction of modern
[00:14:31] technologies, products are supplied to other
[00:14:34] markets. After coming out of the oven, this product
[00:14:38] is cooled to a temperature of 30-36°
[00:14:42] and placed in a blast freezer. The temperature
[00:14:45] of blast freezing is -35-30°.
[00:14:49] The product can be stored for months, transported to anywhere
[00:14:52] in the world. Belarusian bakers offer over.
[00:16:09] This is the first informational, main news in economics and finance, as well as
[00:16:13] current comments. Watch the sphere of interests
[00:16:16] stay on our channel.
[00:19:48] that has experienced a color revolution, an attempted coup d'état, and a series
[00:19:52] of coordinated hybrid attacks. We did not get involved in the war, although
[00:19:56] different centers of power are pulling us there. They call this
[00:19:58] Minsk's multi-vector policy, Lukashenko's multifacetedness. But
[00:20:02] the result is a peaceful, clear sky, a well-maintained country, and
[00:20:05] a state of social justice. "We don't give birth, we all
[00:20:08] go into the intelligentsia, but the fact that there's no one to plow the land is Lukashenko's
[00:20:12] fault, well, he makes unpopular decisions, no one would
[00:20:16] invite anyone if we were ready to have our own children,
[00:20:20] at least like our parents, not to mention the wartime generation,
[00:20:24] back then people wanted to live, but we go to Bali, to foreign
[00:20:27] shores, it doesn't work out, because of this families break up, and children
[00:20:31] interfere with comfort, topical issues, sharp
[00:20:34] questions, direct answers, the whole truth without
[00:20:37] buying. And politics without Galkins with Evgeny
[00:20:40] Pustov. Watch on Belarus
[00:20:43] 24 TV channel.