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Date: 9 months ago   Category: Finances

Anatoly Pechatnikov: "For us the main enemy is cash"


"For development of economy cheap loans are necessary": the vice president — the chairman of the board of VTB bank has given Business FM interview Anatoly Pechatnikov. Photo: Kirill Kukhmar / TASS Possible western sanctions won't affect ordinary bank investors — such opinion was expressed by the vice president — the chairman of the board of VTB bank Anatoly Pechatnikov in Business FM interview. 91% of clients of his bank store the accumulation in rubles. The bonus segment of investors of VTB though initially also prefers currency, begins to pass gradually also into a ruble zone, Pechatnikov has told. Ilya Kopelevich talked to him. If to look on investors and on structure of deposits lately, the trend on an exit from dollar deposits is or not? Anatoly Pechatnikov: On set we see that the percent of ruble savings just at us grows. Here we began year, at us 89% have been created deposits in rubles, now — 91%, that is for half a year we for 2% have grown. But in different segments the consumer behaves differently. I speak now generally about a mass segment: 11 million people prefer ruble. VIP clients whom there isn't a lot of, 14 thousand people at us on system now give preference to foreign currency, and not only dollars, but also in many euro. At them just this percent of ruble savings is significantly lower — 44%, they keep the savings in rubles, and all the rest — in foreign currency. But in "Privilege" at us percent of ruble savings 67. You see, preferences from the level of income change. But all this period, since 2015 and till today, we see after all an overflow of currency savings in ruble deposits because after all the share of ruble savings even grows in these segments of our highly profitable clients too. At the end of August — the beginning of September of a rate were developed in the opposite direction and on ruble deposits, and on currency, in euro both there was zero, and remained. On ruble as on the main currency of savings, rates began to grow. What is it caused by? What consequences on the reverse of the medal will be? I mean, in credit rates. Anatoly Pechatnikov: The market after all is a little volatile, recently at us dollar exchange rate has grown by 4 rubles. Of course, it can't but affect the cost of money in our country. The key moment will be this Friday: The board of directors of the Bank of Russia will sit on September 14, just to discuss an issue of a key interest rate. In this case commercial banks the first have begun the movement. Anatoly Pechatnikov: There the minor movements were at the level of 0,2-0,1%. The most important that in other party. Many years of a rate moved in one direction — down. Anatoly Pechatnikov: I wouldn't tell. On our bank I won't tell that we have somehow changed the price policy and have developed deposit rates in the direction of growth, it hasn't occurred. Here after all each financial institution proceeds not only from market condition, but also from own need for liquidity. If you see request for high deposit rates, э

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