Since the beginning of the year there was a rapid influx of deposits into the banking system, according to a review of the DIA. In I half of 2008, an increase of 11.9% (5 742 400 000 000 rub.) That generally fit into the initial estimate of the growth contributions of DIA at 32-33% per year. However, with the fall of 2008, the dynamics of household deposits has changed under the influence of negative news coming from abroad as well as with the Russian financial market. Annual forecast has been lowered by the Agency to 10-15%. The new forecast came from the fact that a small outflow of deposits, was observed in the autumn, must stop and give way to a fresh influx of deposits in banks in late 2008 This is what happened: In November of deposit market has stabilized, and in December increased by 396.3 billion rubles. than almost fully compensated for all the previous decline. As in past years, a strong inflow of funds deposited in banks in December was largely related to paying bonuses to employees of enterprises and organizations of the year. Such payments have a significant impact on the deposit market in 2005 In addition, the deposit growth in December was partly due to the revaluation of foreign currency deposits as a result of the devaluation of the ruble. As a result of individuals' deposits in banks - participants of the insurance system in the II half-year rose 3%, and for the whole year - by 14,7%, reaching 5 885 200 000 000 rub. (Absolute increase for the year - 753.7 billion rubles)..
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