According to the bankers surveyed PT in the two months expired last year deposits, which are put before the crisis of 2008, new deposits are for a shorter period of time. In addition, the population prefers the currency finally dissuade in UAH.

Ukrainians do not trust the banks for the long period of time. Most investors renew contracts for a period of one month to three, but recently a growing number of investors, offering contracts for a period of 6 months or more, because our bank offers rates up to 24% in UAH and 13% in the currency and in the near future is expected to lower interest rates , - told the Head of the settlement and development of passive bank operations, Finance and Credit Julia Solodovnik.

In

Alfa-Bank (Ukraine) also said that Ukrainians prefer short-term deposits - from 4 weeks to 6 months. When deciding on the location of the deposit to the first plan is not the size of the interest rate, while confidence in the financial institution. While the market remains uncertain, the greatest demand is short-term deposits for one to three months, as well as deposits on demand based on current account , - said director of retail business of Bank Piotr Kaczmarek.

other banks refused to officially comment on the trend, fearing for their reputation. They cost the anonymous comments.

In particular, the vice-chairman of one major agency confirmed that a large portion of new deposits is concluded for a term not exceeding three months, but some people prefer the dates of the week.

I do not think that the whole banking system is a high percentage. Two months - this is the sixth year. You can count - this trend relates to only a sixth of deposits, - said the press service of another bank.

financiers noted another trend. People Scared future devaluation, mass grivnevye removes deposits, and translates them into currency. This natural persons are not in a hurry to collect the money from the bank and make deposits in dollars and euros.

I do not know, as in others, but we have 70% one-year deposits transferred from the hryvnia to the U.S.. have been slow to pick up and leave on deposits, - he emphasized.

Such confidence

financier explained selective approach people. In his view, in the case of a repetition of the problems with the course is no longer expect a moratorium on the withdrawal of deposits. Life has shown that not to do good is not a moratorium. Therefore, the banks will just lie down , - stressed the banker. And added, that the population and selects those institutions that have high chances to survive. According to experts, are often preferred subsidiary banks international financial groups.

Overall, there has been a steady increase in bank rate pererazmescheniya, most renew deposits in dollars, roughly the same percentage of pererazmescheniya deposits in national currency and the euro, - said Mrs. Solodovnik.

Words Experts confirmed by the National Bank. Last July, deposit in the general population has decreased to 1,56 bln., But the deposits of citizens in foreign currencies rose to 3.82 bln. In dollar terms the increase amounted to $ 397.9 million

In addition, since the beginning of the crisis fell share long deposits. According to the NBU, in October 2008, deposits for a period of more than 12 months accounted for 59% of the total. In June 2009, the share of deposits declined to 44.7%. Moreover, according to bankers, that figure continues to decline.

estimated to bankers in the coming months is not expected to resume the flow of funds to deposits. The state of the banking system fully reflects the level of public confidence in the economic policies of the government. But it is nothing. People do not buy any cars, no refrigerators, no TVs. The only thing they do - go to the exchange and purchase of currency. Almost all the money that the government sent to the recapitalization, and went in that direction, - said a source yesterday, i in the NBU. In July, the population balance of the purchase of hard currency in cash totaled $ 1.162 billion

However, despite the fact that our fellow citizens in the vast majority continue to keep funds in cash at home, the level of coverage of the Ukrainian banking products are not the lowest in the region. According to the Deputy Chairman of the Erste Bank Svetlana Cherkay, 8% of Ukrainians aged 30-59 years use of deposit products, 7% of Ukrainians over the age of 60 and 6% of citizens aged 20-29 years.

Deposit neighbors

Citizens of the Czech Republic, thinking where to invest money, mainly choose deposit (69%), 12% invest in mutual funds and 9% - to pension funds. But this year the proportion changed in favor of banking products. The financial crisis forced the Czechs to concentrate on traditional deposits, refunds are now guaranteed at EUR50 thousand present, the traditional long-term deposits are the most popular among our customers, - explains Martin Techman, Business Development Manager Ceska Sporitelna. According to him, the most popular term of the deposit is considered to be two.

In Romania, the picture looks somewhat different. Bank products, such as credit cards, current accounts and loans, is about half the population, but at the end of 2008, only 15% of the population, which is banking products and services, save. This is the lowest in the EU. However, since the beginning of 2009, approximately every fourth customer of the bank deposit mainly in the national currency.

In doing so, they prefer short-term deposits (up to three months), since it allows to have flexible access to their funds without losing interest. Since 2009, the state exempt from taxation income from deposits, which will further stimulate the growth of savings, - explains Sorin Mititelu, Business Development Manager Banca Comerciala Romana.

At the end of 2008, 80% of the population of Austria kept the money in financial institutions. In doing so, they lay an average of EUR190 per month, which is five times more than Americans, and ten times more than the Canadians. According to the Head of the deposit products of Erste Bank (Austria) Gunter Rausha, the number of depositors of Austrian banks is growing because of the presence of absolute sovereign guarantee of the deposits, as interest rates on deposits in the current year decreased. We tried to compensate for losses from the reduction in interest rates, thus creating a product with a longer duration - from two to four years - he said and stressed that at this moment is the most popular among the bank deposit.

Galitskaya Olga, Sergei Lyamets

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