The Central Bank announced the data according to which citizens of the Russian Federation brought more than $ 28 billion from currency accounts last year. Such behavior of people is associated with the overall financial instability during a pandemic and crisis, as well as low-rates on deposits, are confident by the specialists of the Central Bank. Financial analysts called a number of reasons why currency accounts were emptying in banks, "Moscow Komsomolets" reports.
People filmed currency with no bills in a row, there were two most extreme months, clarifies the regulator. This March, when Russians have shot about $ 4 billion, and December, when the outflow of funds exceeded $ 3 billion.
The leading financial expert of the Institute of Modern Development Nikita Maslennikov explained that in March, people were in a state of ambiguity, as well as they were afraid of bank restrictions on the part of the authorities. In December, he said, the situation was completely different.
"Someone simply turned his savings during the crisis, and someone decided to" fix "personal profits, because the dollar rose by 20%," explained Maslennikov.But the most important reason why people endured dollars and euros from banks, these are low interest rates on deposits. As explained FXPRO's financial analyst Alexander Kursykevich, by the mid-2020 interest rates finally approached the zero mark, so after the expiration of the deadlines of deposits (and sometimes early) people took their currency savings to translate them into rubles and spend on priority needs.
In the second half of last year, dollar and euro courses returned to peak values. This fact, many depositors perceived as a good time to convert their currency to rubles.
Analyst called another reason: people are interested in investment opportunities. In particular, experts celebrate the interest of Russians to Eurobonds that allow you to get a positive profitability in contrast to deposits.
The head of the IAC "Alpari" Alexander Rasuyev noted that people began to close accounts in banks due to zeroing deposit rates, because now dollar deposits give less than 1% per annum.
According to Maslennikova, the trend on the cashing and the purchase of currency will continue further, in 2021. This is due to the fact that with the fading of a pandemic, people want to travel and ride on business trips, and you need cash. But the citizens will again begin to buy a foreign currency for a new "black day", an expert is confident.