Despite the decline in interest rates and to prevent the Central Bank on possible sanctions against the bankers, unnecessarily increasing the rates on deposits. According to the DIA, from January to May, average rates on deposits in the one hundred largest Russian banks increased from 12,8 to 14,1%.

Yesterday zamgendirektora DIA Andrei Melnikov said that the average rate on deposits in the one hundred largest Russian banks increased from January to May from 12,8 to 14,1%. «The seven banks have witnessed a major deviation from this average value in a great direction», – quotes its words said.

earlier by the DIA stated that the first quarter of the average annual rate of deposit 200 largest banks rose from 12 to 14.3% (see RBC daily from June 10), while projecting a further increase in profitability of investments. «I can not explain what caused the difference in the data – said yesterday RBC daily Andrei Melnikov. – Maybe the fact that it still goes on the different groups of banks ».

Meanwhile, back in March, Deputy Chairman of the Central Bank called for bankers to conduct a more balanced policy in the formation of interest rates on deposits and DIA approached the Central Bank to offer check credit organizations, which offer investors more than 17% per annum. «This work was carried out, but we do not formally announce», – commented Mr. Melnikov.

Despite warnings regulator and the policy of reducing interest rates (remember that in this CB was three times reduced the refinancing rate, the last time on the 0.5 percentage point in early June), the deposit continues to race. For example, in June, rates on ruble deposits increased VTB 24 and the National Reserve Bank. In doing so, bankers increasingly offer deposits, interest payments on that in the event of early termination of the contract the client saved.

Analyst Bank «CIT Finance» Maria Kalvarskaya said that raising the rates on deposits in individual banks can hardly talk about market trends. «Now the situation with liquidity in the market is not so acute, so many banks refused the aggressive policy of attracting private investors», – noted Ms. Kalvarskaya. As for the major banks, she said, the rate of return on deposits, there was lower than that of the smaller players, because their actions can be described rather increase the attractiveness to customers.

Credit Suisse estimated the delay

Yesterday INVESTBANK Swiss Credit Suisse said that the level of default on loans in the Russian banking system, a minimum of 13% (including restructured loans – about 9%) of the total loan portfolio, said in the review of the bank. As the bank’s analysts, the problem of non-credit will become more apparent in the second quarter of 2009 in connection with the current lag of corporate default. The paper noted that the reported low level of problem debt did not reflect the real picture, especially with regard to the assessment of that debt to the requirements of the regulator (4% in April).

Recall that the previous day Head of the Central Bank Sergey Ignatiev said that the share of overdue loans on non-financial organizations increased in May to 4.4% of the loan portfolio from 3.98% to 569 billion rubles., loans natural persons – up to 5,47% from 5,1% , to 204.5 billion rubles. At the same time Sergei Ignatiev believes that by the end of the year the share of overdue debt is not out on 12%.