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In this case deposit growth during the first quarter of 2008 was expected to be at the level of RUR 270 billion, while the actual growth during this period was RUR 146 billion.
According to DIA opinion, the above growth of deposits denominated in foreign currencies is of short-term character and is caused by two reasons general slowdown in ruble denominated deposits growth, as well as increase in popularity of euro denominated deposits.
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Zscout370, a lot of hidden paths removed.In the first quarter of 2008 for the first time during several years the share of deposits denominated in foreign currencies slightly went up, while during a number of previous years only reduction trend was discernable.Main date:, state Corporation Deposit Insurance Agency (DIA) conducted household deposits market review for the first quarter of 2008.Reduction in deposit concentration was caused, above all, by reduction in deposit market shares of the first ten largest banks excluding the Sberbank and Vneshtorgbank group, whose position on deposit market remained unchanged.The second reason - relatively high level of consumer inflation in the first quarter of 2008 (4.8) compared.4 in the first quarter of 2007.According to DIA, traditional regional banks' leadership in the first quarter of 2008 is accounted by their lower level of reliance on New Year resources influx into household deposits as a result of annual bonus payments.However, deposit growth rate in the beginning of the current year turned out to be the lowest since the third quarter of 2004.The initial DIA forecast for deposit growth in 2008 was 32-33, which corresponds to absolute increment by about RUR billion.Quarter-wise review of deposit dynamics has shown standard slowdown of deposit growth rate in the first quarter of 2008 as compared to traditionally fast growth during the forth quarter of 2007.As a result - as of April 1, 2008 the above share grew.4 and reached 13 within the total household deposits volume.Average monthly salary in real terms grew during the first quarter of 2008 by 14, while during the first quarter of 2007 it was at the level.2.Therefore, if low deposit growth dynamics continues during the second quarter of 2008, the initial forecast, most likely, will be revised towards slowdown trend.The share of 30 largest banks on household deposit market went down.4 and reached.8.As a result a certain portion of depositors preferred to spend their earnings on current necessities and purchases of foreign currency (euro).
The volume of unplanned euro purchases was RUR 140-150 billion, which corresponds to shortage influx in the banking system.7-2.9 increment.

In the first quarter of 2008, as during the same period of the previous year, deposit growth rate in regional banks surpassed deposit dynamics in Moscow region banks (4.6 and.6 in 2008 and.3 and.3 in 2007 respectively).The following are among the most meaningful trends: Household deposits placed in DIS participating banks during the first quarter of 2008 grew.9 and reached RUR 5 277.9 billion.About 70 banks revised their interest rates with the majority (60 banks) towards their increase.Average (typical) interest rates were.4 for deposits below RUR 100,000 and.7 for deposits up to RUR 400,000 (during half a year the increase was.6 and.5 respectively).During the first quarter of 2008 the Sberbank market share remained unchanged at the level.5.However average growth rate was insignificant so that it could result in noticeable growth of bank deposit attractiveness, it only a little made up for the increased level of consumer inflation.Data obtained from DIA monitoring of 100 largest retail banks have shown some level of interest rate growth during the last six months.The first reason was - growth of euro exchange rate to ruble.General interest rate level (weighted by total deposits volume) increased and reached.4 for ruble deposits below RUR 100,000 (increase.2 and.9 for ruble deposits up to RUR 400,000 (increase.3).Color codes from /angles/signes/normesgraf.The third reason some slowdown in the public income growth.
According to DIA opinion, there were three basic reasons for relatively sluggish protocolo el que regala pregunta si se usó deposit growth in the first quarter of 2008 caused by short-term macroeconomic changes.
Moreover, higher interest rates levels compared to other groups of banks also had a certain effect thereon.

As a result the aggregate net public demand for cash euro grew.3 billion during the first quarter of 2008, while during the previous year the demand growth was only.1 billion.
Sluggish deposit influx was also observed in comparison with the first quarter of 2007 (5.8 which in principle corresponds to long-term trends.