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The trend of decreasing kuna deposits at banks continued in 2010

The trend of decreasing kuna savings and time deposits at banks in Croatia continued at the beginning of this year, as at the end of February, kuna deposits were 2.8 billion kuna lower than at the end of last year, while the continuous growth of foreign currency deposits persisted, which increased by 1.6 billion kuna in the first two months of this year.

The decrease in kuna deposits in the first months of this year was primarily influenced by the decline in corporate deposits, which amounted to 3.2 billion kuna in the first two months. The increase in foreign currency deposits was mainly attributed to the household sector, which accounted for more than two-thirds of the increase, according to data from the Croatian National Bank. A slight decline was also recorded in kuna deposits of other financial institutions, while households increased their kuna deposits at banks by 391 million kuna to 19.6 billion kuna in the first two months of this year compared to the end of 2009. However, on an annual basis, compared to February 2009, household savings and time kuna deposits at banks are lower by 4.5 billion kuna or 18.9 percent. The continuation of the reduction in total kuna non-monetary deposits resulted in an acceleration of their decline on an annual basis, which reached 26.6 percent at the end of February.

Total kuna savings and time deposits at banks at the end of February amounted to 36.3 billion kuna and are lower by 13.1 billion kuna compared to February 2009. The only monetary aggregate that continues to grow despite challenging economic conditions is foreign currency deposits, analysts from the central bank note in the latest Bulletin of the Croatian National Bank. After strong growth in 2009, foreign currency deposits increased by another 1.6 billion kuna in the first two months of 2010, totaling 137 billion kuna at the end of February. However, the annual growth rate of total foreign currency deposits slightly decreased, reaching 11.1 percent at the end of February. The household sector was primarily responsible for the increase in foreign currency deposits in the first two months of this year, accounting for more than two-thirds of the increase or 1.1 billion kuna. At the end of February this year, household foreign currency deposits amounted to 111.8 billion kuna, representing nearly 82 percent of total foreign currency deposits at banks. (H)