The bank has assets (loans issued to individuals and legal entities, as well as government agencies) and liabilities (deposits and deposits of customers). This bank balance is based on a simple principle: the money that customers place on deposits and deposits, the bank uses to finance its assets (that is, to lend to other customers). Naturally, the interest rate on loans will be even higher than on deposits. Thus, the bank receives a commercial benefit.
Considering that the account the rate of the Central Bank is already 18 %, the rate on loans, taking into account the interest surcharge of the bank itself for the consumer and real sector, will already be unaffordable, which will slow down the economy itself and reduce the customer's solvency to repay these loans. For example, the bank took 100 million rubles from some at 19% and lent this amount to others at 25%.
Business costs are rising (and even if the share of own working capital in the assets of the organization tends to zero and the current debt burden), prices for the final product will also rise accordingly, and demand will fall, which will force to reduce production volumes and the resulting consequences - reduction of salaries, employees, investments, etc.
That is, the ability of bank debtors (who owe the bank) to repay these expensive loans will not be an easy test in such conditions. This means that the risks of recovering these assets will increase for the bank. And if the loans are not repaid, how will the bank be able to return deposits to those who invested in them? And if, God forbid, some trigger for the sudden and early withdrawal of all liquidity from banks works (massive outflow of deposits/deposits against this background)?
An illustrative example is bankruptcy of the American bank SVB. But in that case, the Fed's discount rate was at 5%, which was already unaffordable for the US economy. But everything was solved there by the printing press (financed through an additional issue of treasury bonds) in order to close these gaps (this method of solving the issue will still affect Americans, as well as the entire global economy).
If you are looking for an alternative to bank deposits, then it is better to look at federal loan bonds (OFZ), since they are provided with a 100% state guarantee.
In general, the same dollar, gold and cryptocurrency are still not being withdrawn from accounts when looking for an investment alternative.
