In the face of the deteriorating political and economic situation in the country and a corresponding reduction in incomes much of the money was deduced from the banking system after the expiry of the deposit agreement, - stated in a memorandum to the NBU reporting on key indicators of the monetary market in September .

If we talk about term deposits, we reiterate - from our bank up to September, it was withdrawn deposits in UAH 16.9 million hryvnia. The growth of time deposits in dollars amounted to 5.7 million dollars. At the same time deposits in euro fell to EUR7, 5 million, - says Yevgeny Demyanov, Deputy Director of the Department of products and marketing for private clients of Raiffeisen Bank Aval. The banker believes that the reason for the negative balance of deposits in foreign currency - this is the result of the outflow of deposits in euro, due to a sharp decrease in rates on such deposits.

We were the first bank that has begun to sharply reduce the rate of the euro. It is our deliberate actions to reduce the share of resources in the Euro-currency, - emphasizes Demyanov. In some large banks deposit portfolio has not changed. The volume of a portfolio of deposits not changed, that we got zero , - says Sergei Naumov, chairman UkrSibbank. Unlike Demyanova, he is convinced that the negative dynamics of foreign currency deposits due statements, including officials of the NBU , that the interest on foreign currency deposits will be paid in UAH.

As soon as our investors know about them, we received several orders for the withdrawal of deposits, - says Naumov. Indeed, it was in early September, the National Bank offered financial institution to pay interest on foreign currency deposits in domestic currency. I have one day burst of mobile calls VIP-clients, who asked: We that take deposits?. Some were able to calm down, while the rest temporarily shifted funds into the banking Cells, - says Dmitry Zinkov, chairman of OTP Bank . Nevertheless, according to the banker, in his financial institution in September hryvnia deposits population increased by 3 million hryvnia and foreign currency - to $ 10 million.

Some banks also boasted the largest influx of deposits. We have recorded gains. Of course, in September, they were lower than the previous two months. The main reason - exchange rate fluctuations. As soon as the second half of the month the foreign exchange market stabilized - increased inflow of hryvnia, - says Taras Kirichenko, Board Member VTB Bank.

similar situation in the bank Forum. We have no outflow. There is a transfer of deposits from the hryvnia to the dollar in times of currency rate fluctuations. This is - a natural reaction of the population. As soon begin to warm up the expectations of the second wave of crisis, of course, investors are beginningto respond, - says Yaroslav Kolesnik, chairman of the bank Forum. On the growth of deposits in all currencies, reported Vladimir and Giris, board member Ukreksimbanka. He suggested that the outflow of deposits from the system as a whole may be due to activation of the deposits nationalized banks. Here the people and rushed to pick up. But the rush to market as a whole, I do not feel - summed up Giris. However, in the nationalized banks with versions agree only in part. Perevlozheny share of household deposits in our bank was approximately 50%, ie there was a net outflow of deposits. But do not think that the outflow of the system as a whole turned out largely by our bank , - says Sergei Shcherbina, chairman of the Board Rodovid Bank.
 

Recall: the population of actively returning deposits in the banking system for four months (April - July) this year. During this period, the monthly inflow of savings in banks even returned to the level of mid-2008. Nevertheless, the harbingers of change of the trend appeared in August, when the banks have lost savings of citizens in the total amount of about 1 billion hryvnia. Then the outflow hryvnia public funds amounting to 4.2 billion hryvnia partially offset by inflows of foreign exchange savings of $ 392 million dollars. In anticipation of the devaluation of the hryvnia citizens converted savings in foreign currency. Despite the facts, the bankers say the positive prospects. We are optimistic about the prospects of growth of deposits in the next three months, - said Taras Kirichenko. Eugene Demyanov believes that if the exchange rate will remain at current levels and avoid the swings, then up to October, we will see growth even hryvnia deposits.