Sberbank - is one of the largest banks not only in Russia but also in CIS countries.It has the most extensive network of branches, offers a comprehensive list of investment and financial services.Since the period of 2012 the main shareholder of the financial institution is the Central Bank of Russia, which owns 51% of shares.About 40% of the shares - is the property of foreign companies.The financial institution serves the dominant element of the financial policy of the country and one of the main creditors of the state.
Digital Statistics
is too early to say whether the frozen deposits of clients of Sberbank.The statistics financial institution says a very positive direction Affairs.So, to March 1, 2015 totaled assets offices 21,945,67 million.This indicator gave the Savings Bank to the first position among the other institutions of the banking sector.Capital Institute, which was calculated in accordance with the regulations of the Central Bank of the Russian Federation is equal to 2,224,53 billion. With regard to the loan portfolio, its size is 14,970,52 billion.The commitments made to the people of the state - is 8,391,53 billion.
What does the manual?
Despite the difficult economic situation in the country, those deposits in rubles, Sberbank which has frozen since 1991, still planned to pay in preset mode.Developed three-year plan a year ago, no one is going to adjust.The draft federal budget laid the sum of 50 billion rubles per year for the payment of contributions in the period from 2014 to 2016.Following the approval of the law on the protection of deposits of the population the state has taken full responsibility for payment of deposits that had to freeze during the "Pavlovian" reforms in 1991.In accordance with the document deposits had to be converted into valuable paper.
bank debt to depositors
internal debt of the state, according to the size of savings in 2012 amounted to 27.7 trillion rubles.This figure was announced by the Ministry of Finance.In the period from 2005 to 2011 was carried out systematically paying citizens of a certain category.In total, the frozen deposits of Sberbank decreased by 365.5 million rubles.Since 1996, Russian citizens have received at the hands of 441.6 billion rubles.
legislative framework payments
Frozen deposits of the Savings Bank will gradually be paid until 2016.Payment will be those born before 1945.Money can get the heirs of the latter in the amount of three times the remainder of 1991.If earlier the investor or his heirs received partial compensation, it will be deducted from the principal state.If the contribution was officially closed in 1991 in the period from 20 June to 31 December, the compensation does not rely on it.
Residents of Russia, which is the year of birth from 1946 to 1991, will receive compensation for your deposit double the size.The volume of payments will be calculated individually according to a certain ratio, it depends on the length of the deposit.If the investor had died in the period from 2001 to 2014, and the size of his deposit was more than 400 rubles, heirs may receive from the State about 6 thousand rubles to pay for funeral services.Beginning in 2014, the contributions will be able to all investors, regardless of the year of their birth.Implementation of State obligations in full is planned for 2020.
retreat towards legislation
Nationals, who are counting on compensation should be aware that deposits in rubles Sberbank returns in certain circumstances.On the financial rehabilitation can not count:
• depositors and their heirs, who, living on the territory of the Russian Federation, have no citizenship.
• Investors and heirs, who so far do not reside in the territory of Russia or are citizens of other states.
payments on deposits, which opened in the territory of the earlier members of the Soviet Union, the governments of those held most states and in strict accordance with the applicable legislation on their territory.Information about the damages recorded in the passbook.Such a serious approach to its obligations to depositors makes reflections on the subject of whether the frozen deposits Savings Bank in 2015, irrational and premature.What
deposits offered by the bank today?
financial institution continues to operate.It operates a wide range of proposals, not only for foreign currency deposits in the Savings Bank, and deposits in rubles.Despite the decline in interest rates, the range of the offer is very broad.Today, customers of financial institutions available to new deposits of Sberbank:
- Refillable .Deposit can be opened in euros, rubles and dollars.Minimum deposit - from 1000 rubles, 300 dollars and 300 euros.The duration of the contribution is from three to 12 months.On request, the deposit may be replenished for 1000 rubles, 100 dollars or euros, it all depends on the currency.On ruble deposits it offered 5%, on dollar - 4.15%, the euro - 3.85%.
- special .The duration of the contribution from 3 months to three years.The minimum amount of payment is thirty thousand, $ 1,000 or euros.The proposed interest on ruble deposits is 4.85%, on dollar - 5.3%, the euro - 4.75%.
- Savings .It is a deposit with a minimum down payment of 30 thousand rubles at 6%.Himself percentage may vary according to the volume of deposits and of its duration.The duration of the deposit is equal to 24 months.Allowed additional contributions from 1000 rubles.
latest offers, which makes the Savings Bank of Russia - the contributions of confidence and "Give Life", a multi-purpose and.Everyone can find an optimal size of investment, but whether or not to accept a partnership with the matter will understand later.
Promotional offers for retirees
Under the policy of Sberbank of Russia, there are some very interesting suggestions for the elderly.Mention may be made in two formats deposits:
- Pension in rubles at an interest rate of 6% .The minimum fee is 1,000 rubles, and the duration of the deposit - from three months to two years.Withdraw funds from the account and the account can not be replenished.If the ability to replenish the account is opened, the percentage of the deposit is 5%.
- pension plus .It contributes only to retirees with an initial capital of 1 ruble and the ability to replenish and 1 ruble.The interest rate is 3.85%.The term partnership is 36 months.
promising investment capital, or one side of the coin
Over the past decade, all of the domestic banking system endured radical changes.It concerns not only development, but also degradation.Parallel to expanding the range of services took place throughout the closure and bankruptcy of financial institutions.Those institutions that survived the crises of 1998 and 2008 in 2015 surrendered their positions.The most common service - a design deposit.Sberbank of Russia offers deposits are not the most profitable, but in terms of reliability several times higher than private commercial organization.
How about a bet?
If you look at the issue from the size of the rate on the bank's attempt to attract more investors to stay afloat, the policy of Sberbank won the general background.Received information that the bank recently cut rates to support their liquidity.This fact is extremely disappointed investors and triggered a wave of indignation from the public.People are also interested in the question of whether the frozen deposits of Sberbank.There is a clear answer to fail, you can only say that at the moment the financial institution in full compliance with its obligations to customers, albeit with a few hitches.Against the backdrop of bankrupt brethren negative reviews which are ubiquitous, it is a good option.
bad story
though Sberbank acts as the most reliable national bank, its history does not provide many potential investors the rest.Frozen in 1991. The contribution of waves contemporaries.The question as to freeze foreign currency deposits or not, everyone's lips.People experiencing relatively history repeating itself.On the other hand, financial institutions such as the "Financial initiative" and "PSA", "Finance and Credit" and "Terrabank" renounced its obligations due to lack of capital.All manipulations of the government and management personnel, have not brought results.If we consider the new contributions of the Savings Bank, to take into account the fact that the financial institution has strong support from the government.He never gave up his duties, and even today is trying to do his duty to depositors of the past.
Some interesting points
When viewed from the statistics, namely the Savings Bank, deposits of individuals which are constantly increasing, is the most reliable and steadfast.If a country will default, which is unlikely, the financial institution will be closed last.As the owner of 51% of the places, the government is trying to support it systematically carries out capital increase and the frozen deposits of the Savings Bank in 1991 paid even today, after a preliminary introduction to the budget of the country.When planning cooperation with financial institutions, should pay attention to the following points:
- interest rate that is lower than that of competing structures.
- have meaning attached to the Savings Bank deposits of natural persons in the amount of 700 thousand rubles, as they completely covers the insurance agency.
- If you plan to deposit a small amount and short-term, it is better to do it in a small commercial establishments.There, and the percentage is higher, and the likelihood of bankruptcy in such a short time is almost completely excluded.
What challenges facing the bank today?
With regard to the payment of deposits in financial institutions have no complaints.Moreover, systematically paid to the frozen deposits of the Savings Bank of 1991.Minor problems can occur when removing large amounts of money, and even then not in terms of non-payments, and in terms of the need for reserve money at the box office in advance.In December 2015, the bank's customers have received information that the ruble and foreign currency deposits will freeze during the holidays.Financial institution and received - block access to the accounts of their customers from December 31 to January 5.At the end of the stipulated time functionality has been restored.Such manipulation of the financial institution was forced to spend because of sharp jumps of currencies, and the harbinger of the problems is not a coincidence.Reported minor malfunction in the online office and in the field of translation.Seen delays in receiving payments and delayed transfers.With regard to deposits, then there claims to the financial structure at the moment, because to consider seriously the question of whether the frozen deposits is not necessary.
Are the deposits in domestic banks?
All deposits in domestic banks covered by insurance Deposit Insurance Agency.Under the law, every owner of the deposit in case of bankruptcy of financial institutions may receive compensation in the amount of 700 thousand rubles, if the contribution is equal to or greater than the sum of it.There are reports to the effect that for the last month the insurance payment was doubled and now amounts to not less than 1 400 000 rubles.Worry is useless.And the ruble and foreign currency deposits in the Savings Bank are well protected by law.Considering the actual economic situation in the country, you should avoid storing their capital in one financial institution, albeit most reliable.Sharing the available funds between the major participants in the market can be great to diversify risks.Even if some freeze bank deposits, the interest rates on the other will block virtually all losses.Savings can become a worthy participant in the investment portfolio, but not the only place of gathering all the available capital.
