The aim of the project is to analyze depositor behaviors under crisis conditions in the East-Central Europe countries. Experiences, presented in the literature and related to the depositor behaviors under crisis conditions, refer in particular to all developed countries and non-European developing countries. They should not be automatically used for explaining the situation that is observed in our part of Europe. Countries of the East-Central Europe share a clear characteristic that results from the common economic history and similar level of development. 

The proposed research strategy is based on the use of the specific character of banking systems of East-Central Europe countries and a peculiarity of the recent crisis. The analyzed systems are characterized by the high share of banks controlled by foreign investors. As a matter of fact, it was dominant banks derived from the developed countries that have been more affected by financial problems than domestic foreign-controlled companies. It allows to analyze depositor behaviors under crisis conditions by verification of the following hypotheses: deposit outflow from the banks owned by foreign banks, that found themselves in a difficult financial position; inflow of financial resources to state banks and national banks as well as to the banks recognized as too big to have let them collapse; banks owned by the foreign capital attempting to compete with the level of interest rate, impact of the public aid given to the foreign owners of domestic banks that reduces the deposit outflow. Tools for verification of the hypotheses will be: tests for significant disparities of average and median in various sub-groups of banks as well as parameters estimation of the explanatory models of high of interest rate on deposits and their volume dynamics. 

Project funded by the National Science Centre.