Банковское дело
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The loan has to be not more than 70% of mortgage, and the interest rate is floating from 25% up to 35% a year on currency loans and from 100% up to 180% a year on rouble loans.
[xxix] But as the demand for loans is huge, banks feel like kings, because whether or not a company depends on their decision. This leads to demoralization and corruption in the banking system, even though each banker signs the honor code of bankers in the ‘’Association of Russian bankers’’.

Cash operations in Russia also operate on a low level. In consequence of the shortage of money, almost all deposit money is given away as loans and investments. So it often happens that a bank does not have enough money to pay out to clients. Even the existence of the federal bank reserve requirement (10%) does not scare banks and they often have less cash.
[xxxi] The run on a bank has become a common practice in our banking system and banks have become used to it. Nowadays people can get only up to 1000$ on first demand, and they have to order any amount of money higher than 1000$ in advance. They will have to wait for their turn to get the money. The government even sets a time limit for this operation: up to 5 days.
[xxxii] Yet banks often break that law, excusing themselves with a shortage of cash money. Also, the owners of credit cards have problems with getting money from them. In spite of the fact that the banks have signed an agreement with the European banking system about cooperation, banks in Russia do not execute that agreement. In our banks even the owners of gold credit cards with the limit up to 25000$ can take only 5000$ per operation on general foundations.
[xxxiii] That means that they have to wait up to 5 days each time to get 5000$. According to the agreement and to the law banks have to pay out the amount of money in the limit borders immediately.

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