The Bank expects growth of funds

True, such a trend, analysts say, will not last long. Soon the conditions banks may change again, and this time not for the better. Such an alignment, as well as the unfavorable economic situation in the country may lead to another exodus of deposits. According to Mark Rubinstein, senior analyst at IFC Metropol, the events of last autumn and winter, psychologically pressured by investors, but there are several factors that help investors to return to the banks. "One such factor is the stabilization and a slight strengthening of the ruble, the second - a high-stakes, which are now offered by the bank and the third factor - a factor in understanding the reliability of Russia's banking sector", - said the expert. But do not forget the fact that Russian banks have experienced to date has nothing says, because the worst is yet to survive, and those who understand it well, not hurry to invest their money. And if they invest, in such banks, which are directly supported by the state, such as Sberbank, VTB 24 and so on, where, as we know, interest rates are not too big and. Deposits from individuals 01/08/2008 5159000000000 rub. 10/01/2008 5.89 trillion rubles. 01/01/2009 5.907 trillion rubles. 01/04/2009 6.197 trillion rubles. 01/05/2009 6.295 trillion rubles. "The resource base of the bank deposits of the population is 21%", - said Alexander Penquin, professor of Russian Academy of State Service under President of Russian Federation. In one only the Savings Bank is a significant part of those deposits that exceed the maximum insured amount of 700,000 rubles. But in Russia, are now stored contributions in the amount of 2.2 trillion rubles., Partially insured, ie the amount which exceeds the insurance limit, the results statistics expert. Now you can see that the rates of some banks, which in the spring of this year began to rise rapidly, sometimes zashkalivaya over 20% per annum, now gone down. For example, in the Moscow Credit Bank for the five-year ruble deposits rates fell from 20% to 19% in the bank "Interkommerts" lower interest rates on deposit "maximum profit" from 19 to 17% per annum, the same trend observed in other known banks. Experts note that today many more investors are trying to open a new or renew old deposits, rather than make a partial withdrawal or closure of the deposit. And in turn, by raising interest rates early this year, banks managed to achieve growth of ruble deposits, which was not observed in Oct. 2008, so actually everything and try now to invest in deposits, while rates are still high. After all, it is possible that the Central Bank will continue to recommend the bank to lower rates. It is worth saying that the rates and in 18% and 16% is still significantly overlap the rate of inflation, which, according to the latest projections Economic Development, will be in 2009 12%. Therefore, citizens who choose as a tool for saving personal savings, bank deposits, most likely, will not change their preferences. But so is the way banking business, the higher the deposit rate, the higher the interest rate on the loan. That question and profitability of the banking business on a percentage - if the bank takes the money at high prices, in debt, he will give even more expensive, because the bankers, and his need to leave some profit. It is known that the financial system is now in dire need of rubles, dollars or euros. The government and Central Bank, of course, contributed some kind of help, but almost all of it settled in the five largest state banks, and has come down to the market available to the oppressive conditions. Here are the banks and raise deposit rates to collect more money and pay off creditors.