This paper examines the extent to which the observed diversity of private deposit interest rates in Russia is explained … by bank financial indicators. We also test for whether the introduction of the bank deposit insurance scheme in 2005 …

Using a database from post-communist, pre-deposit-insurance Russia, we demonstrate the presence of quantity … with depositors interpreting the deposit rate as a complementary proxy of otherwise unobserved bank-level risk. Testing …

education, financial sophistication, wealth, bank experience and connections) that make it likely that a depositor collects … information on the bank reduce the chance of mass deposit withdrawal in the absence of fundamental problems, but increase the … through such) also matters. Deposit insurance reduces the probability of bank runs, but is unable to eliminate them completely …