/ / Sberbank frozen deposits. Can freeze deposits? How protected are deposits in Russian banks?

Frozen deposits of Sberbank. Can they freeze deposits? How secure are deposits in Russian banks?

Sberbank is one of the largest banks notonly in Russia, but also in the CIS. It has the largest branch network, offers a complete list of investment and financial services. Since the period of 2012, the Central Bank of the Russian Federation, which owns 51% of shares, has been the main shareholder of the financial institution. About 40% of the shares are owned by foreign companies. The financial institution is the dominant element of the country's financial policy and one of the main creditors of the state.

Digital statistics

Sberbank's frozen deposits

It is too early to say whether they can freezeSberbank customers deposits. Statistics of the financial institution says a very positive direction of affairs. So, by March 1, 2015, the institution’s assets amounted to 21.945.67 million rubles. This indicator brought Sberbank to the first position among other institutions of the banking sector. The capital of the institute, which was calculated in accordance with the standards of the Central Bank of the Russian Federation, equates to 2.224.53 billion. As for the loan portfolio, its size is 14.970.52 billion rubles. Obligations undertaken before the population of the state is 8.391.53 billion.

What does management say?

Несмотря на сложную экономическую ситуацию в the country, those deposits in rubles, Sberbank, which froze after 1991, are still planned to be paid in the previously established mode. Developed a year ago, the three-year plan is not going to be adjusted. An amount of 50 billion rubles for each year for compensation of deposits in the period from 2014 to 2016 was included in the draft federal budget. After the approval of the law on the protection of deposits of the population, the state assumed full responsibility for the payment of deposits, which had to be completely frozen during the implementation of the Pavlovian reform in 1991. In accordance with the document, the deposits were to be converted into securities.

can freeze deposits

Bank debt to investors

Domestic debt of the state, in accordance withthe amount of savings in 2012 was 27.7 trillion rubles. This figure was announced by the Ministry of Finance. In the period from 2005 to 2011, payments were made systematically to citizens of a certain category of the country. In total, the frozen deposits of Sberbank decreased by 365.5 million rubles. Since 1996, the inhabitants of Russia have received at the hands of 441.6 billion rubles.

Legislative basis of payments

Sberbank's frozen deposits will be graduallypayable until 2016. Payment will be made to persons born before 1945. The heirs of the latter may receive the money in the amount of a threefold balance as of 1991. If earlier the investor or his heirs received partial compensation, it will be deducted from the principal debt of the state. If the contribution was officially closed in 1991, from June 20 to December 31, no compensation is due.

 deposits in rubles Sberbank

Residents of Russia whose year of birth is from 1946 to1991, will receive double the amount of their deposit. The volume of payments will be calculated individually in accordance with a certain coefficient, it depends on the duration of the deposit. If the investor died in the period from 2001 to 2014, and the size of his deposit was more than 400 rubles, the heirs can receive about 6 thousand rubles from the state for payment of funeral services. Starting from 2014, all depositors will be able to receive deposits regardless of the year of their birth. The fulfillment of state obligations in full is planned for 2020.

Legislative deviation

Citizens of the state who are counting on compensation should be aware that Sberbank does not return deposits in rubles in certain circumstances. For financial rehabilitation can not count:

• Contributors and their heirs who, while residing in the territory of the Russian Federation, do not have citizenship.

• Contributors and heirs who currently do not live in Russia or are citizens of other states.

currency deposits in Sberbank

Payments on deposits that opened onthe territories of states formerly members of the USSR are conducted by the governments of those very states and in strict accordance with the legislation in force on their territory. Information about damages is entered in the savings book. Such a serious approach to its obligations to depositors makes reflections on whether Sberbank can freeze deposits in 2015 is irrational and premature.

What deposits does the bank offer today?

The financial institution continues to work actively.There is a wide range of offers not only for currency deposits at Sberbank, but also for deposits in rubles. Despite the reduction in rates, the range of offers remains very wide. Today, Sberbank's new deposits are available to customers of a financial institution:

  • Rechargeable. The deposit can be opened in euros, in rubles and indollars. The minimum payment is from 1000 rubles, 300 dollars and 300 euros. The deposit lasts from three to 12 months. Optionally, the deposit can be recharged for 1000 rubles, for 100 dollars or euros, it all depends on the currency. 5% for the ruble deposit, 4.15% for the dollar deposit, 3.85% for the euro.
  • Special. Deposit duration from 3 months to threeyears old. The minimum contribution is thirty thousand rubles, 1000 dollars or euros. The proposed interest on the ruble deposit is 4.85%, on the dollar deposit - 5.3%, on the euro - 4.75%.
  • Accumulative. This is a deposit with a minimum deposit of 30 thousand.rubles at 6%. The percentage itself may vary depending on the amount of the deposit and on its duration. The duration of the deposit is 24 months. Additional fees are allowed from 1000 rubles.

The latest offers that makesSberbank of Russia - deposits trust and "Give life", multicurrency and universal. Everyone will be able to find the optimal investment format for themselves, but whether it is worth agreeing to a partnership, we will deal with this issue below.

Favorable offers for pensioners

In the framework of the policy of Sberbank of Russia, there are very interesting proposals for the elderly. We can mention two types of deposits:

  • Pension in rubles with an interest rate of 6%. The minimum fee is 1000 rubles, anddeposit duration - from three months to two years. You cannot withdraw funds from your account and refill your account. If the opportunity to replenish the account is open, then the interest on the deposit is 5%.
  • Pension plus. This is a contribution only for pensioners with an initial capital of 1 ruble and the possibility of replenishment also from 1 ruble. The interest rate is 3.85%. The partnership term is 36 months.

Prospective capital investment, or One side of the coin

currency deposits will freeze

Over the past decade, the entire domesticThe banking system has undergone dramatic changes. This concerns not only development, but also degradation. In parallel with the expansion of the range of services, there was widespread closure and bankruptcy of financial institutions. Those institutions that managed to survive the crises of 1998 and 2008, in 2015, lost their positions. The most common service is a deposit. Sberbank of Russia offers deposits by no means the most profitable, but in terms of the level of reliability, private commercial organizations are several times higher than the private ones.

What about the bet?

If you look at the question from the size of the betas a bank’s attempt to attract as many investors as possible to keep afloat, then Sberbank’s policy wins against the general background. It was reported that the bank recently cut rates in order to maintain its liquidity. This fact has upset investors and caused a wave of indignation from the public. People are also interested in the question of whether Sberbank can freeze deposits. There is no definite answer to give, it can be stated only that at the moment the financial institution fully fulfills its obligations to customers, albeit with a slight hitch. Against the background of bankrupt counterparts, negative reviews of which are widespread, it is a good option.

Bad story

can the savings bank freeze deposits

Sberbank, though acting as the most reliabledomestic bank, its history does not give many potential investors the rest. The deposits frozen in 1991 excite contemporaries. The question of whether foreign currency deposits freeze or not is widely known. People worry about the repetition of history. On the other hand, such financial institutions as “Financial Initiative” and “PSA”, “Finance and Credit” and “Terrabank” completely abandoned their obligations due to lack of capital. All the manipulations of the government and managerial staff until they bring results. If we consider the new deposits of Sberbank, we must take into account the fact that the financial institution enjoys strong government support. He never gave up his duties, and even today he is trying to fulfill his duty to the investors of the past.

Some interesting moments

If you look at the statistics, it isSberbank, deposits of individuals which are constantly increasing, is the most reliable and unshakable. If there is a default in the country, which is unlikely, the financial institution will be closed last. As the owner of a 51% stake in the institution, the government is trying with all its might to maintain it, systematically recapitalizes it, and the frozen deposits of Sberbank in 1991 are paid even today after prior contributions to the state budget. When planning cooperation with a financial institution, you should pay attention to the following points:

  • Interest rate, which is much lower than that of competing structures.
  • The deposits of individuals in the amount of 700 thousand rubles invested in Sberbank make sense, as they are fully covered by the agency’s insurance.
  • Если планируется положить на депозит маленькую amount and for short periods, it is better to do it in a small commercial establishment. There and the percentage is higher, and the probability of bankruptcy in such a short time is almost completely excluded.

What difficulties did the bank face today?

Sberbank Russia deposits

In respect of the payment of contributions to the financialInstitute claims no. Moreover, the frozen deposits of Sberbank of 1991 are systematically paid. Small problems can arise when withdrawing large sums of money, and even then not in terms of refusal to pay, but in the aspect of the need to order money at the box office in advance. In December 2015, the bank's customers received information that the ruble and foreign currency deposits will freeze for the period of the holidays. The financial institution did just that - blocked access to the accounts of its clients from December 31 to January 5. After a specified time, the functionality was restored. Such a manipulation of a financial institution was forced to hold due to sharp jumps in currencies, and such a confluence of circumstances is not a precursor of problems. Minor failures in the work in the online office and in the field of translation were recorded. Delays in receiving payments and delayed transfers are noticed. As for deposits, there are currently no complaints about the financial structure; therefore, it is not worth considering seriously the question of whether deposits can be frozen.

Are deposits in domestic banks protected?

All deposits in domestic banks fall underInsurance Deposit Insurance Agency. In accordance with the law, each owner of a deposit in case of bankruptcy of a financial institution may receive compensation in the amount of 700 thousand rubles, if the contribution is equal to or more than the amount. There is information that the insurance payment has been doubled over the last month and is now at least 1,400,000 rubles. It does not make sense to worry. Both ruble and foreign currency deposits in Sberbank are well protected by law. If we take into account the actual economic situation in the country, we should avoid storing our capital in one financial institution, even if it is the most reliable. By sharing the available funds between large market participants, you can perfectly diversify risks. Even if some deposits in banks freeze, the interest on others will almost completely cover all losses. Sberbank can become a worthy participant in the investment portfolio, but by no means the only place for the accumulation of all free capital.