Depositors were left without income

Experts fear that soon the bank customers will simply withdraw money from accounts. For several months, ruble deposits left in a minus. As a result, their income is now only 1.34% per annum against 4.84% in July. The reasons for falling returns on deposits are high inflation (8,1% in November) and at the same time lowering interest rates on deposits (with 12,97% at the beginning of the year). If everything continues in the same vein, the investors simply take away investment, reported the Russian newspaper ". However, analysts say, the massive outflow of deposits from the banks can hardly be expected, because alternative sources of investments in our country simply do not. Russians have very low financial literacy, which does not allow them to invest, for example, mutual funds, economists say. Invest your money in real estate not all can afford. As a result, there is only one choice: to bring money into the pot. The fact that bank deposits will not lose its popularity speaks to statistics released recently by the Central Bank. So, on November 1, the contributions of individuals exceeded the level of 9 trillion rubles. Bank deposit - the most famous, accessible, simple and intuitive way for customers placing funds, explains the situation as director of the department of banking products, KIT Finance Investment Bank "Olga Filatova. Another important factor is trust and the fact that the deposits extend public insurance system that guarantees a full or partial return of deposit in case of bankruptcy of the bank, she said. Another reason for the sharp increase in contributions this year was the desire of Russians have savings, economists said. People are still not recovered from the crisis, so they want to best protect yourself. Maybe next year this will not stir, but the rate of replenishment of the deposit will remain high, experts promise.