Nabiullina does not regret the sanitation of banks, Elon Musk remained in his posts, and the speculators got tickets for football

The head of the Central Bank Elvira Nabiullina gave the first great interview for a long time - details in the mailing of The Bell

Chairman of the Central Bank Elvira Nabiullina. Photo: Central Bank

In total, 2.6 trillion rubles were spent on the reorganization of banks from last September (of which 1.5 trillion - only for the three largest) and can leave even more. But there is nothing to regret about, Elvira Nabiullina believes. Today she gave the first program interview to Vedomosti, in which she talked about how the Central Bank cut the banking bank, where to look for money to fulfill the “May Decree” of Putin, what will happen with pension savings and a key rate.

“These banks are not only to Big to Fail, but also to Big to Stay as it is”

• Last year, the manager of the Alfa-Capital Criminal Code Sergey Gavrilov, who wrote that the fate of several large banks could decide before the end of 2017, warned his customers. Gavrilov was called for explanatory work in the Central Bank, but there really was a ring, now he admits Nabiullina.
• It included banks, pension funds, and “some other financial institutions” - they carried out mutual operations in order to bypass the regulation of the Central Bank and “camouflage risks”. As soon as one of the participants in the scheme began problems, they spoke at everyone else. Of all the banks listed by Gavrilov, only the ICD managed to avoid rehabilitation - not without the help of Rosneft, for which he became a new support bank.
• The size of the operations inside the ring, according to Nabiullina, amounted to “at least tens of billions of rubles” (more about them can be read here ). Analysts believe that even the regulator does not see the whole picture, and the ring evaluation can be hundreds of billions.
• The sanitation of only three banks of the ring cost 1.5 trillion rubles. Their former owners returned 100 billion, but this is not enough. The Central Bank sent 260 billion rubles to law enforcement agencies, including 20.5 billion, the regulator still hopes to recover this money - due to amendments to the law, according to which the damage can soon be presented to the former control owner of the sanitized bank.

The entire interview with Nabiullina can be read here , but it is really large. We briefly retell that she said still important:

• Despite the fact that the head of the Central Bank takes part in all key meetings in the government in the economy, clarity about what new May orders of Vladimir Putin will be fulfilled, and she does not. There are few options - increase taxes, increase loans or spend oil and gas revenues. Nabiullina clearly opens only against the last option.
• Even if an additional 8 trillion rubles for infrastructure, healthcare and education will be found, this will not give the desired growth of the economy by 2% and higher.
• Inflation under control, but there will be no rush to rush with a decrease in the key rate of the Central Bank, as you might guess, due to sanctions. The regulator focuses on the fact that they will not be removed, not softened, but probably strengthen.
• You can forget about the restoration of the mandatory funded system in the pension system. It is much more correct, believes Nabiullina, to launch the mechanism of individual pension capital, in which the citizens themselves save on their retirement, and the money set for it remains in their property, but it is unlikely to earn earlier than 2020.

What am I to me?

The main feeling of interviews is a sense of uncertainty. The Central Bank, along with business and the population, remains in the ignorance of how the government will decide to finance the increase in expenses and what will happen to the taxes.

MONEY

Musk retained power in Tesla

Despite all the scandals, Tesla investors are afraid to deprive Ilon Mask even part of the authorities in the company, showed a meeting of shareholders of the company who refused the proposal of consultants to share the posts of CEO and the chairman of the board of directors (both occupies MASK) and introduce independent directors to the Council. The inspired Musk immediately promised shareholders by the end of June to reach the production of 5 thousand Tesla Model 3 per week (slow pace of assembly of a budget car - the main problem of the company), and in the third quarter of 2018 - show at least paper profit (the company's loss in the first quarter amounted to $ 710 million).

Extra tickets for $ 22 million

The World Cup in Russia begins in a week and a half, but, as usual, many remembered it only now and became interested: are there more tickets? Of course, it is almost impossible to buy them, of course, but it is impossible to win speculators either with “fan passports”, nor registered tickets with a photo: according to analysts, there were 140 thousand (5-7% of all) tickets for $ 22 million in the secondary market. For example, about 200%, and the probability that the buyer is exposed is almost zero. RBC figured out how this business works.

Scheduled recession

The World Bank in the next report on the prospects of the world economy draws optimistic conclusions-in 2018-2019, the economic growth rate of most world countries will increase. But this is not a reason to relax: on average, the global economy is included in the recession stage every 10 years, and exactly so much has passed since the last major world crisis. Potentially dangerous factors that can become a trigger of the new crisis are more than enough: the danger of global trade wars, the castle of the global economy, vulnerable in the case of default of one of the large countries or a sharp tightening of US monetary policy, as well as the growth of populist sentiments, is listed by HB economists. Earlier, the Nobel laureate Paul Krugman and billionaire George Soros spoke about the fears of a soon major crisis.

Facebook passed the data to the Chinese

Around Facebook continues to develop a new scandal with a leakage of user data. On Sunday, The New York Times wrote that the social network has been sharing the data of its participants with dozens of telephone manufacturers for at least 10 years, and the built -in applications of some companies, such as BlackBerry, even had access to the data of friends of the user without their preliminary consent. Today, Facebook admitted that she recently entered into the same agreements with Chinese smartphone manufacturers - Huawei, Lenovo, Oppo and TCL. The Congress, which from this year banned the purchase of Huawei equipment for military needs, promised to investigate the transactions.

PRACTICE

The principles of Schulz

Yesterday we said that Howard Schulz, who headed Starbucks for more than thirty years, leaves the company - it is possible to start politics and run for US presidency. Under the leadership of Schulz, Starbucks grew out of a tiny local network to a global corporation worth almost $ 80 billion. The “secret of the company” raised the main rules of the “architect” Starbucks, which allowed him to build this empire - about business, motivation, attitude to subordinates, corporate culture and, of course, about competitors.

How to study in a digital era

The obvious fact confirmed by research - today, thanks to the Internet, we consume tens and even hundreds of times more information than thirty years ago daily. However, which is less obvious, this does not lead to an increase in the amount of knowledge in people - today an adult knows on average almost as much as 80 years ago. HBR offers to fix this trend and talks about four ways to improve your ability to consume and remember new information.

Irina Malkova