The growth of the volume of credit “delay” is one of the signs that indicates that the financial sphere of the country still cannot avoid the second wave of the crisis. The first harbinger of these phenomena can be considered the growth of deposit rates, which started in the fall of the previous year and continued for several months of the year. Raising the cost of deposits is associated with an acute lack of liquidity. The cause of the situation in the banking sector was the European debt crisis and, as a result, a tangible reduction in foreign funds.
