Hmm... sounds like someone is ANTI-capitalistic here.
Two reasons, supply and demand.
The bank doesn't just give whatever it wants, it has competition, and in the end it is just a middleman.
If the interest is higher in Russia, that is because BORROWERS (like when you purchase a home loand) are paying more and that the demand for money/loans is very high.
Basically, there is a high demand for loans/credit but not a ton of savings to back it up. Borrowers have to bid for the savings that there are, and that makes the interest rate go up.