People's opinion: What is the difference banks in 2010?

Last year in the banking sector there are many notable events. According to bankers, those of steel and increase the minimum capital of banks, and reduced the refinancing rate, and the upcoming bills, and even high-profile criminal cases! However, what they think about it themselves customers of financial institutions? Bank.ru conducted a survey and found out what the Russians remember the banks in 2010. As it turned out, the main event was for our countrymen cut in interest rates on deposits. So voted 63% of respondents. Indeed, rates on deposits continued to decline throughout 2010. If in 2009 anyone could make a contribution at 15-20% per annum, then by October of next year ruble-denominated deposits reached 7.57%, dollar - 3,32%, euro - 1,9%, and by November - and at record high 3,1%. In 2011, the deposit rates were fixed at around 8.25% per annum, which was below the inflation rate for the year. However, many investors already have a hope: validity of amendments to the Law On Insurance "is over, and this means that from 1 January of the Central Bank no longer has the right to control interest rates on ruble deposits. Recall that in a crisis regulator has tightened the requirements for banks, constraining their impulses to increase interest rates. Now, everything can change. Hoping to attract more customers, lending institutions can once again join the competition. But some experts are rather skeptical. In their view, banks do not have good reasons to raise interest rates again, because the Russians and so prefer to keep their savings in bank deposits. Evidence of this began last year. So, in 2010, deposits exceeded 9 trillion rubles. Confidently ahead of the national budget. But in the past year, there were other noteworthy moments. For example, 13% of respondents noted that the most significant event was for them to lower their mortgage rates. In 2010, the mortgage and the truth has become more affordable. For example, the minimum percentage threshold reached 10% per annum. Although, in spite of that, experts continue to state for the overwhelming majority of Russians buying a home remains an elusive dream. So, the director of the Center for Economic Studies of the Moscow financial-industrial academy Sergei Moiseyev sure such interest rates can only mean one thing: people are looting themselves. Speaking about the viability of a mortgage will probably be only if the interest on it will drop to 2-3% per annum. Received special recognition and the various services provided through the Internet. For example, 9% Russians remember the financial institutions with new features of Internet banking. A 7% of respondents supported the possibility of credit in online stores. Another 6% significant banking event called the release of advanced (smart) cards, security, which at times exceeds the plastic with the familiar magnetic stripe. The least the same support for the creation of the apparatus of the financial ombudsman. As it turned out, only 4% of Russians consider this event require special attention. Turns out to be much more concerned about Russians' quality of service in banks. Most banks are remembered lower interest rates and the lowest service culture, a reader complains Bank.ru Hope. "The impression that I live in the Soviet Union. As if the banks specifically reduce the number of employees and increase the burden on remaining employees, and not increasing their salaries. And those in retaliation extremely poorly sell banking products, performing in my opinion, work as extras. " However, the fact that the professionalism of bank staff leaves much to be desired for a long time for anybody not a secret. In the years 2008-2010. most complaints received by low-quality care on the part of bank employees, as well as the poor performance of ATMs, has admitted head of the development of retail payments, securities, Vadim Kuznetsov. Whatever it was, but market participants are encouraging, in just the coming year, the situation will change and the relationship between the bank and the client become more transparent. So it will or will not - guessing until the early, clear as will be only a year later. What to remember the banks in 2010? % Reduction in interest rates on deposits 63 Reduced rates on mortgages 13 new features of Internet banking 9 possible credit in online stores 7 issues advanced (smart) business cards 6 Creating apparatus Financial Ombudsman 4