Banks report a drop in demand due to lower demand from individual clients in autumn of 2012. Assessment of business climate has improved, but expectations of its changes have worsened. The index of business climate assessment rose from -0.18 in May 2012 to 0 in September. However, the index of expected changes of business climate fell from 0.12 in May 2012 to -0.18 in September. Also, indexes of income and net profit deteriorate. Besides, banks plan to raise interest rates for loans and deposits.