But Alexander Plastinin, who holds the post of vice president and director of the Treasury Ubr, shares the point of view of the chairman of the Bank of Russia Alexei Ulyukaev, who says that the inflation rate for 2012 will rise to 5.5-6%. The only circumstance that can cause an increase in inflation, he considers crop failure. At the same time, the expert states that in the banking sector a decrease in the cost of loans will soon be observed, since many banks have a significant supply of liquidity, and therefore the size of betting on loans will gradually decline.