fall of the banks had to face the massive outflow of funds, especially in retail deposits, according to a study of the rating agency "Expert RA" The banking system in 2008: a steep route. "01.01.09 the volume of retail deposits - 5 9 trillion. rubles. (21,1% of banking sector liabilities). In September 2008, retail deposits in banks decreased by 1.5% in October - 6% in November - 0,2%. Nearly all the banks in currently undergoing rehabilitation process as a whole for the half year have lost 25% to 50% of private contributions are an important part of their funding. The reason for the panic began to devaluation and inflation expectations of the population and the memory of the events of 1998 and 2004. Most of the crises suffered average banks, occupying 21-50 places on assets: they have experienced the largest outflows of funds of individuals (an average of -13.9% in the group), namely among them was the most "problematic" banks (Svyaz-Bank, CIT Finance, Bank EEFC The Bank "Globex" bank "Union"). According to the ranking of the largest banks in terms of individuals composed of Expert RA, significantly improved their positions Nomos-Bank (13 positions in the ranking, increase in deposits 81.8%) and MDM Bank (+ 12 positions, 77.3%). The greatest reduction of retail investors have experienced gained "Gazenergoprombank" Sobinbank (-14 positions -23.3%) and taken to reorganize the Bank EEFC (-9 positions -5.9%). "According to statistics, most of all from panicking depositors affected regions of the Siberian and Ural Federal District - said the chief economist at Trust Bank Yevgeny Nadorshin. - In particular, for 4 quarter 2008 volume of household deposits in the Altai region declined by almost 17%. However, even among relatively stable districts (North-West, SFD), many regions are faced with significant outflow of population, such as the Kaliningrad Oblast, Krasnodar Krai ".
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