In Russia, it became less troubled banks, but no problems in the banking sector

Banks Finansy28-10-2009 in Russia was less troubled banks, but no problems in the banking sector told the first deputy chairman of the Central Bank of Russia Gennady Melikyan, the number of problem banks in Russia began to decline. At the peak of the crisis the number of unstable financial and credit institutions, according to the official, reached fifty. Whom there are now about thirty. Central Bank of Russia estimates the banks on a number of characteristics, we study the structure of capital, assets, liquidity and management system. In this case, bad debts are still the main problem of Russian banks, which adversely affects the performance of capital. In this case, financial institutions maintain high rates, which impedes development lending. At the same time, in order to attract capital, much of which goes to the reservation on problematic debts, banks attract deposits at high rates. "The rate may be around 14% - this is normal, 15% - can still be tolerated, and 17-18%, and even with weekly capitalization of interest suggests that many are not going to return these funds to people, and want to take your money and take them and that means investors will pay the Agent for Deposit Insurance ", - said Melikyan. As the deputy chairman, a number of banks the share of deposits in the liabilities already exceed 70%. "And they think that the Central Bank would not dare to revoke their license. Dare "- says Melikyan.