Russian’s largest banks began to reduce deposits

The adjustment of the bets took place mainly for short -term deposits (for a period of three months) and medium (six months). During the indicated period, the average maximum rate in three -month deposits between the twenty main banks decreased by 0.43 percentage points. and amounted to 21.87%.

The profitability of half -year deposits decreased by almost 0.60 percentage points, reaching 21.96%. The average maximum profitability of annual deposits decreased by 0.30 percentage points. For long-term terms, profitability was adjusted at 0.4-0.8 p.

The senior managing director of the Mosbirzhi Retail Business, the development of electronic platforms and the Finny Service project, Igor Alutin, said that from January 10 to February 10, 2025, the average profitability of three months deposits to a year decreased by 0.24– 0.45 p.

By February 10, 2025, the average rates in three -month deposits in twenty main banks amounted to 21.09% (decrease in 0.43 percentage points per month). Semiannual deposits were offered at a rate of 21.87% (-0.45 pp) and Annual-At 20.86% (-0.24 pp). The greatest reduction in bets occurred at the Ural Bank for reconstruction and development: the maximum rates in short and medium -term deposits there fell into more than 3 pp.

One of the factors that influenced the policy of interests of the banks were the prognosis not complied with with respect to the change in the key rate of the central bank at the end of 2024. At that time, the regulator decided to maintain a key rate at 21%, Although Forbes points out many analysts, economists and representatives of the banking sector to increase it.

In the first meeting in 2025, which will take place on February 14, the Central Bank will probably decide to maintain a key rate at a record level of 21%, said analysts and experts surveyed by RB.RU. Some of them allowed rates to 22-23%.

/ Photodoma