Today we can say that the process of recapitalization problem banks from the stage of promises, at last, moved to the stage of concrete solutions. Thus, the Ministry of Finance issued the bonds of internal state loan for the sum of 9.57 bln., Enrolled them in the capital Ukrgasbank, Rodovid Bank and the Bank Kiev - finuchrezhdeny that while their clients were in the role of guinea pigs , which are new for Ukraine medication to combat the banking migraine.

Still begs the question, whether a dedicated state funds to begin the payment of deposits to clients of problem banks …

According to statements made by the provisional administrators' svezherekapitalizirovannyh finuchrezhdeny, with an infusion of resources will be able to establish normal operation of these banks and will soon proceed to the payment of deposits. But the refund of deposits will not be immediately available and not all.

According to the interim administrator Rodovid Bank S. Shcherbina, in the bank to develop a program for repayment of deposits, according to the needs of customers , ie First, the money actually receive only retired from the contributions of up to 10 ths., while the remaining investors - only the interest.
In

Ukrgasbank states that since July 10, customers can collect their deposits.

The bank Kiev situation is more complicated: since August, after the end of the moratorium, the bank plans to begin paying interest on all deposits and, possibly, return deposits to customers over the age of 70.

seems that recapitalize Rodovid and Kiev will go towards the Bank Nadra, who first proposed a phased issuance deposits and began to return the money to pensioners and vulnerable sectors of the population. Later the bank was proposed scheme of payment of contributions for all categories of customers amounts to 500 thousand UAH.

Recall that the bank had not yet received a good state for recapitalization and pay the deposit themselves.

logic in a phased surrender of deposits, and see the experts. In all likelihood, the first phase will be carried out sampling of payment to the depositors who are in dire need of funds. In addition, banks will take into account the size of deposit and individual approach to the return of deposits - said Maria Maiboroda, senior analyst of investment company Phoenix Capital. — We believe that in the initial stages of this sample will be paid. The point is that this will be a gradual process.

But Vladislav Crickley, investment banker Astrum Investment Management is confident that banks would use the register of deposits and, in turn, repay the deposit to the bank the largest delay.

In our view, the payment of deposits will be held according to the roster of the deposits, ie, the bank will begin to deposit with the greatest delay in repayment, and will continue to repay deposits on the growing pattern, respectively, starting from the late contributions, and ending with the contributions, who want to pick up ahead of time, - said an investment banker Astrum Investment Management Vladislav Crickley.

Already it is clear that rekapitaliziruemye banks to obtain additional resources will not be able to send its entirety for the payment of deposits. Most likely, they will offer customers prolongation of deposits and more attractive conditions for investments. Such policies finuchrezhdeny seems absolutely logical, because the one-payment of deposits by public funds is almost entirely perecherknet the opportunity to emerge from the bank crisis, as well as deny the source of funding for further development …

The question, how quickly and in full will return deposits, it is a matter of how quickly the banks will be required for this resource. MoF and the NBU said that a ransom OVDP happen within a month, but we think that process is slightly delayed, approximately two to three months. In any case, before the end of the third quarter of this year, the resources should be available , - said Vladislav Crickley.

Alexei Vatruhin

RUSAL: Reducing the volume of production of aluminum, on the basis of 2009 will be 0.5 million tons
Until 2011, FGC plans to invest 18 billion rubles in the development of energy systems in Moscow
The demand for risky European currency is gradually reduced
The worst of the global economy is behind us
Kommersant: Konstantin Grigorishin sued to Wadan Yards Okean
The Russian market is in a zone of optimism towards the end of the session, possible to fix the profit on most of the securities
Shares Lukoil could return to yesterday's session at the maximum level of 1480 rubles
Conference on-line: Mobile Advertising: New Opportunities
After a positive opening on the Russian market is expected to continue growing until the reporting Bank of America and Citigroup