They left only 15

According to the Bank, the Bank of Russia is a slight decrease in rates on deposits. In addition, a number of banks continues to collect funds of citizens at inflated rates, said Bank of Russia. In particular, approximately 15 banks attract deposits at a rate higher than 17% per annum. "Already some 30 banks have gone through our hands, all obeyed without a prescription (for lower rates on deposits). We are hard put to them a dilemma: if tomorrow is not reduced, then made an order. The rate of over 17% are 15 other banks, including those from the thirty, "- said the first deputy chairman Gennady Melikyan. At the same time, according to him, Russia does not credit institutions attract deposits at rates above 20%. "Now more than 20% (rates on deposits - Ed.) No one. Earlier in Moscow were banks, attracted by 20-21%, and in the regions - at 21-22,5% per annum. Who draws the resources for such rates, the potential bankrupt "- he stressed. The problem of high rates of resource mobilization "will hit the financial position of banks more acute than the problem of bad assets," said the official. "When you're attracted to (deposits) by 18-22%, now to fight off these percentages will be difficult. For banks, it would be a problem," - said G. Melikyan. Recall that according to the monitoring of the Central Bank for October, the maximum interest rate for deposits in Russian rubles ten banks, which attract the largest amount of deposits of individuals, in the third decade compared with the first decreased from 14.46% to 14.27%. More than 17% per annum in rubles on deposit offer national bank "Trust", "StarBank", "Russian Standard", "Rosprombank", "Bank of ITB," "The Northern Sea Route," "My Bank" and others. "Attracting deposits - critical issue for small and medium-sized banks, which were difficult to compete with state banks," - commented Bank.ru analyst at National Bank Trust Vladislav Sidorov. "They are forced to offer higher rates because they have your money - virtually the only source of funding (funds for the conduct of banking, including lending). At the same time, special attention to this issue by the Bank of Russia's logical. We see that decreasing the inflation rate and refinancing. Central Bank expects that will fall and interest rates on deposits. If you accept contributions under the inflated interest rates, you are forced to lend at high rates. Naturally, the Russian monetary authorities are interested in to rate credit will be reduced. From the standpoint of an ordinary depositor, now does not matter the degree of bank stability. The main thing is that on the one deposit was based on money, not exceeding 700 thousand rubles and, of course, that the bank was part of the Deposit Insurance System. However, it should be remembered that in the event of bankruptcy, the funds will give you at once. For example, you invested money in a year, and after he passed, decided to withdraw from the account with interest. At this point you may encounter with the fact that the bank would go bankrupt. They will give you money a few months later, of course, no interest for this time you will not get "- explains the expert.