Google Cloud Speech-to-Text API (Chirp) + Gemini 2.5 Flash Non-Thinking. Treat it as a searchable index of what was broadcast, not a quotation record.
00:00:25Sphere of interests on air on the first news we talk about notable
00:00:29events. With you I'm Svetlana Lukinyuk first
00:00:32the main topics of today's issue: trust in one's
00:00:36ruble, savings activity of Belarusians at a high level
00:00:40more deposits from 3 years and older.
00:00:43Housing construction with a loan at 1%, the real
00:00:46estate market in Belarus is rebuilding under new conditions,
00:00:49we will discuss all the nuances. And Belarusian baking is firmly
00:00:53established as a brand in demand thousands
00:00:57of kilometers from Minsk. Last year +30%.
00:01:00sales. We will tell you about all this, as well as current exchange rates in the
00:01:03next 15 minutes. In July,
00:01:06the savings activity of Belarusians remained at a high
00:01:09level. Term ruble deposits as of August 1
00:01:13reached 18.4
00:01:16billion rubles. They increased by almost
00:01:19513 million in July. The share
00:01:22of term ruble deposits in all term deposits of individuals
00:01:26reached almost 73%.
00:01:30We will talk more about this right now with the first
00:01:33Deputy Chairman of the Board of the National Bank, Alexander
00:01:37Yegorov. Alexander Andreevich, we welcome you,
00:01:40the share of Belarusian deposits
00:01:43is growing. Belarusians are actively using this opportunity,
00:01:47saving their money. What dynamics, what dynamics does the National
00:01:51Bank note? Well, if we talk in general, we are observing,
00:01:54in principle, a very good dynamic of growth in deposits of individuals
00:01:57since the beginning of the year.
00:02:31in rubles, and here the trend, it is a very important one,
00:02:35is that the majority of the population invests
00:02:38funds in long-term deposits, and not just
00:02:41long-term deposits, but non-interest-bearing long-term
00:02:44deposits, the share of such
00:02:47deposits in all term
00:02:50deposits in Belarusian rubles has exceeded
00:02:5385%, that is 87%,
00:02:56and we see a growth of approximately...
00:03:023.5-4% each month, so this is a constant
00:03:05dynamic, we really hope that this dynamic will continue in the current
00:03:08year, well, of course we set the banks the task
00:03:11that such a dynamic should be in subsequent years, that
00:03:15is, no less than 10-15, and maybe even
00:03:1720%, we had these deposits
00:03:20grow annually, why such a figure, because it consists of
00:03:24two components: the first is, of course,
00:03:27the growth of household incomes, that is, if we have about
00:03:316-8% in real terms, in nominal terms - this is about
00:03:3315%, then at least by this amount
00:03:36deposits of individuals should grow, but we
00:03:40still set ourselves the goal of increasing savings activity,
00:03:43respectively, the volume of deposits, it should grow
00:03:47at a faster pace compared to the growth of household
00:03:51incomes, which is also important, this year for the first time we paid attention
00:03:54to deposits with a term of over 3 years, and for
00:03:58these deposits the dynamic...
00:04:30Well, I would highlight three main factors here: first of all, it is the
00:04:34general level of trust in the national currency, yes, if earlier
00:04:37there was a constant expectation of devaluation of the Belarusian ruble,
00:04:40say against the dollar or the euro, we are now observing that the dynamics
00:04:44of the Belarusian ruble against the dollar are
00:04:47multidirectional, there may be devaluation,
00:04:50there may be strengthening, respectively, in these conditions the population
00:04:54focuses on their long-term goals, if you save
00:04:57for purchases within the country, then there is no point in saving. It is much more profitable
00:05:01to save in Belarusian rubles at a good interest rate. The second important factor is
00:05:04, of course, the interest policy.
00:05:07The banks and the National Bank oriented the banks towards this, the interest
00:05:11rate should be from the point of view of a) the inflation level, b) the level
00:05:15of inflation expectations, and we see how this works in two
00:05:18ways: on the one hand the population sees that the level
00:05:22of rates is higher than the inflation level, higher than the level
00:05:25of their internal inflation expectations, so they invest
00:05:28money in Belarusian rubles, but due to the fact that a large
00:05:32volume of investments is made in Belarusian rubles, it is possible
00:05:35to conduct monetary and credit policy more competently
00:05:38and effectively, this allows to reduce, in turn,
00:05:41the level of inflation and the level of inflation expectations,
00:05:45accordingly, not to raise interest rates on deposits and not to raise interest rates
00:05:48on loans, well, and of course, the third factor is
00:05:52the normal growth of household incomes, the population has satisfied
00:05:56its basic needs and is now moving more towards a savings
00:05:59model, accordingly, if for currency we see a level of rates
00:06:02of about 1%, 15%, then for Belarusian
00:06:06rubles for long-term - it is above 14%. Well,
00:06:09it is obvious that in the medium term,
00:06:55How will the situation in the real estate market change and what should
00:06:58potential buyers expect? Anastasia Strelkovskaya has
00:07:01the answers. The entire market is buzzing due to
00:07:05the fact that one-percent loans for
00:07:08primary housing are already spreading. Similar
00:07:11videos have appeared on social networks a lot in the last week,
00:07:15every day different opinions and reactions pop up on
00:07:18the Internet, some are ready to run to the bank right away, some are calculating
00:07:22the family budget, others are calculating the overpayment amounts for a loan for their
00:07:26own corner in a new building or are already taking a place in line near
00:07:30the developer's office several hours before the start of apartment
00:07:33sales. Third, they predict what the
00:07:36reaction of the real estate market will be to such an unprecedented
00:07:40phenomenon, but first things first.
00:07:44A loan at 1% per annum is a chance for someone to get closer to
00:07:48a cherished and perhaps long-standing dream, a kind of window
00:07:51of opportunity for Belarusians and for the economy
00:07:54as a whole, because construction is an industry that makes
00:07:58a significant contribution to the country's GDP. In addition, it
00:08:01attracts related areas, because an apartment
00:08:04needs finishing and furniture, and this is the stability of our enterprises'
00:08:08work, which means that the higher the demand for square meters, the more
00:08:15new 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
00:08:19count on it only if the apartment is in a new building,
00:08:22the minimum rate for the first 2 years, then already
00:08:26the market 15.4. The loan is issued for 20
00:08:30years, the first days of the launch
00:08:33of this product, in principle, showed quite a
00:08:36great interest of our citizens in this
00:08:40product from the number of partners that we
00:08:44have today, there are eight partners today, you can see on our website, they have already
00:08:47joined these conditions, but I would like
00:08:50to note that every day, almost every day in
00:08:54the near future, the list of partners
00:08:57who are ready to issue on such terms will expand,
00:09:00the lending program applies both to the capital
00:09:03and to some regional new buildings of partner
00:09:07companies, the maximum loan amount is not limited, but for...
00:09:10in case of their non-fulfillment, the legislation
00:09:42allows the bank, including to seize the apartment for which the person
00:09:45took the loan and sell it at auction, relocating the person to
00:09:49less well-maintained housing, so no one would want such a development
00:09:53of the situation. By the way, early repayment of the principal debt
00:09:56is allowed at any time, without penalties. This means that
00:10:00if free money appears, you can immediately transfer
00:10:03it and thereby avoid overpaying at a high
00:10:07rate after 24 months
00:10:10of the grace period. It turns out that
00:10:13this loan allows, due to this grace period
00:10:16of deferment on the principal debt, to solve the issues with secondary housing,
00:10:20possibly for the period of this, let's say,
00:10:23preferential interest rate. During the preferential interest rate,
00:10:27sell your secondary apartment, rent for the period of construction of a new
00:10:30house for a year or two, and thus pay for the new building and solve
00:10:34your housing problem precisely by attracting a credit
00:10:38product, as well as by acquiring a new building, and not an apartment on the secondary
00:10:41market. Experts differ in their assumptions about what future
00:10:45awaits the real estate market, some are sure that significant
00:10:48changes are not foreseen, others, that the secondary market
00:10:52will go into the shadows for a short time, but one thing is clear, at first
00:10:56interest will definitely be directed to new housing. Anastasia
00:11:00Strelkovskaya and Nikolai Lashkevich. Sphere
00:11:02of interests.
00:11:07And now the results of trading on the Belarusian currency and stock exchange. The Belarusian
00:11:11ruble strengthened against the Russian ruble and lost in price against the dollar and
00:11:14yuan. So, the dollar exceeded the psychological
00:11:18mark, it costs 3 rubles 1 kopeck. The euro exchange rate, according to the
00:11:22National Bank, is 3.49. For 10.
00:11:25The yuan at the auction was given 4 rubles 50 kopecks. And 100 Russian
00:11:28rubles costs 3.56
00:11:31Belarusian rubles.
00:11:36We are harvesting a new crop from the fields and calculating the weight of the loaf and
00:11:39profit from foreign sales. Last year, our
00:11:42country set a record for food exports - 10
00:11:45billion dollars. Products that were still ears of grain yesterday
00:11:49are bringing in foreign currency today. So, new
00:11:52crop flour is already arriving at the bakeries, each
00:11:56ton, passing through the hands of bakers, increases its
00:11:59market value many times over. Belarusian
00:12:03bread baking is firmly established as a brand and is in
00:12:06demand thousands of kilometers from Minsk. Last
00:12:10year, bread export figures soared by as much as
00:12:1330%. Anastasia Yaroshchik Kornienko will continue
00:12:17the topic. The path of grain from
00:12:21field to table for each piece of bread.
00:12:25The labor of hundreds of people, agrarians, technologists,
00:12:28logisticians, sellers, all together as one team, they create
00:12:32food security for the country. Work is in full swing in
00:12:35the fields, it's no less hot today in the bakeries, where flour from the
00:12:382026 harvest is starting
00:12:41to arrive. Traditionally, the harvesting campaign is a kind of start of the season, for which
00:12:45bakers prepare tasty novelties, striving to be in trend
00:12:48with youth gastronomic demands. Today, they already produce
00:12:52a wide range of dry breakfasts and crispy
00:12:56snacks with top flavors, sticks, grissini, small taralli crackers, crunchy
00:12:59crackers and crispy crackers. The modernization plan
00:13:03provides for investments,
00:13:06development, new production facilities, installation of new
00:13:10lines, this current year,
00:13:13a line for the production of
00:13:17layered cookies of the Tuk
00:13:21type has already been delivered to the Kubrinsky bakery, an assortment that is in demand.
00:13:25This is a serious import-substituting project. On an industrial scale, by
00:13:29the new academic year, the production of products will begin, which will form the basis for
00:13:33tasty breakfasts and snacks. We
00:13:36are at the start of sales
00:13:39of burger buns for burgers, that is, everything that our
00:13:43youth loves, the trends that they set for us. In the
00:13:46coming days, in branded stores, you will be able to familiarize yourself with these
00:13:50products, make new tasty breakfasts for your children. We already have this
00:13:54line.
00:13:58In 2025, the assortment of stores was supplemented
00:14:01with 370 bright new products, among them the shakotis dessert. There is a
00:14:05widespread belief that it was invented in Germany, but in the border regions of Belarus
00:14:09it has been baked for almost a century, carefully preserving the original folk
00:14:13name bankukha. Last year, bakery organizations
00:14:17produced more than 10 thousand tons of healthy
00:14:20food products. For example, at this Minsk site, they even developed a bread
00:14:24diet. They launched a line of fitness bread varieties, grain
00:14:28with carrots and flax seeds. Thanks to the introduction of modern
00:14:31technologies, products are supplied to other
00:14:34markets. After coming out of the oven, this product
00:14:38is cooled to a temperature of 30-36°
00:14:42and placed in a blast freezer. The temperature
00:14:45of blast freezing is -35-30°.
00:14:49The product can be stored for months, transported to anywhere
00:14:52in the world. Belarusian bakers offer over.
00:16:09This is the first informational, main news in economics and finance, as well as
00:16:13current comments. Watch the sphere of interests
00:16:16stay on our channel.
00:19:48that has experienced a color revolution, an attempted coup d'état, and a series
00:19:52of coordinated hybrid attacks. We did not get involved in the war, although
00:19:56different centers of power are pulling us there. They call this
00:19:58Minsk's multi-vector policy, Lukashenko's multifacetedness. But
00:20:02the result is a peaceful, clear sky, a well-maintained country, and
00:20:05a state of social justice. "We don't give birth, we all
00:20:08go into the intelligentsia, but the fact that there's no one to plow the land is Lukashenko's
00:20:12fault, well, he makes unpopular decisions, no one would
00:20:16invite anyone if we were ready to have our own children,
00:20:20at least like our parents, not to mention the wartime generation,
00:20:24back then people wanted to live, but we go to Bali, to foreign
00:20:27shores, it doesn't work out, because of this families break up, and children
00:20:31interfere with comfort, topical issues, sharp
00:20:34questions, direct answers, the whole truth without
00:20:37buying. And politics without Galkins with Evgeny
00:20:40Pustov. Watch on Belarus
00:20:4324 TV channel.