An expert assessed the risk of non-return of deposits in the era of high interest rates on deposits.
The comment was shared by financier Sergei Aldonin.
In a conversation with the Prime agency, the specialist assessed the current situation in the banking sector.
In his opinion, there are no problems in this area now. There is no risk of non-return of deposits.
As of today, the total volume of deposits is 116 trillion rubles. Loans have been issued for 120 trillion rubles.
The loans that banks previously issued to citizens and businesses make it possible to comfortably work with deposit obligations.
New deposits at higher interest rates will be secured by more expensive loans.
So far, this system is working stably. There are no reasons for concern, the financier emphasized.
But everything depends on the Central Bank's further actions. If the regulator keeps the increased rate for a long time, a recession may occur in the economy.
In this situation, servicing debt obligations will begin to cause difficulties for banks and citizens.
The expert noted that this will affect everyone, but “we are still a long way off,” Aldonin summed up.
