Interest on deposits in. Interest on term deposits
Date: 02/10/2014
The State Corporation "Agency for Insurance Deposit" (ASV) conducted an analysis of the development of the deposit market individuals In 2013, the most significant trends are as follows.
Savings activity of the population
The volume of funds in banks increased by 2,714.8 billion rubles. (in 2012 - by 2,371.3 billion rubles) - up to 16,957.5 billion rubles. In relative terms, the growth was 19.1% (in 2012 - 20.0%). The proportion of capitalization of interest in 2013 is estimated at 6.4 percentage points. Strengthening the course of basic foreign currencies also helped overall dynamics The market for the year - without coursework, the growth of deposits would be 17.5%.
Last year, the discrepancy in the dynamics of insured and uninsured deposits decreased. If in 2012, the savings certificates for the bearer showed a rapid growth (by 216 billion rubles), then in 2013 their release began to gradually fond, especially in the fourth quarter. As a result, the share of certificates in the annual growth of deposits decreased twice - from 9.1 to 4.5%. In general, over the past year, the amount of funds placed in presenter certificates increased by 121.5 billion rubles. - up to 348.9 billion rubles.
In turn, the volume of insured funds of the population in banks - the participants in the CER in 2013 increased by 2,591.3 billion rubles. (in 2012 - by 2 150.1 billion rubles.). In relative terms, it grew by 18.5% - to 16,591.0 billion rubles. (in 2012 - by 18.1%).
The dynamics of daily contributions of deposits shows that the savings activity of the population in 2013 was higher than the previous year. The growth of deposits (together with certificates) in January-November 2013 was on average 6.0 billion rubles. in a day. This noticeably exceeds the same figure of last year (in January-November 2012 - 4.7 billion rubles. Per day).
The inflow of the population at the end of the year is comparable to last year's indicator - traditional New Year payments brought banks an additional 650 billion rubles. (at the end of 2012 - 750 billion rubles).
According to the ADV, the strengthening of savings activity in the past year was the result of a number of factors that can be divided into market and non-market. First include positive, in comparison with inflation, deposit rates, high interest capitalization effect, as well as term revaluation currency deposits. On non-market other factors, it is possible to include the refund of the part of the funds of Russian citizens from Cyprus banks, as well as the requirements for the translation of civil servants in Russian banks.
Forecast of the ASV in the Deposit Market for 2014 - an increase of 2,880-3-220 billion rubles. - up to 19,840-20 180 billion rubles, which corresponds to the relative growth of deposits by 17-19%. This forecast takes into account the slowdown in the growth rate of the economy and income of the population, as well as a decrease in interest rates on deposits while the capitalization of high percentage of previous periods.
The structure of deposits in size
During 2013, different groups of deposits grew unevenly. In the first three quarters, deposits were most actively increasing - from 700 thousand to 1 million rubles. and over 1 million rubles. - by 25.3 and 22.2% in total and by 24 and 24.9% by number of accounts, respectively. Deposits from 400 thousand to 700 thousand rubles. In the three quarters rose by 10.6% in total and by 9.8% by quantity. However, in the fourth quarter, the situation has changed and contributions to the most actively began to grow insurance compensation - up to 700 thousand rubles. (on average by 11.6% per quarter), while growth major contributions Practically stopped. As a result, over the year, the highest growth rates showed deposits from 400 thousand to 700 thousand rubles. and from 700 thousand to 1 million rubles. - by 25.6 and 28.1% in total and by 28.5 and 23.5% by number of accounts, respectively. Deposits over 1 million rubles. Sounded at the third place - an increase of 23.4% in total and by 20% by number of accounts.
At the end of the year, the share of deposits of 400 thousand to 700 thousand rubles. rose from 15.3 to 16.2%, from 700 thousand to 1 million rubles. - from 7.0 to 7.6%. Deposits over 1 million rubles. increased from 38.4 to 40.0% total amount deposits.
The average balance of balances and deposits in the interval to 700 thousand rubles. grew by 1-1.7%; in the range from 700 thousand rubles. up to 1 million rubles. It practically did not change, but for contributions over 1 million rubles. Rose by 3.7%. The average contribution to the entire banking system without minor and inactive accounts is estimated at 155 thousand rubles.
The profitability of deposits and its impact on the dynamics of deposits
The monitoring of interest rates conducted by the 20 largest retail banks held that 86 out of 100 banks for the results of 2013 reduced rates on deposits. In 3 banks rates rose, in 11 remained unchanged.
The average level of interest rates (weighted by the volume of deposits) on January 1, 2014 on the ruble annual deposits in the amount of 700 thousand rubles. amounted to 7.2% (decline in 2013 by 1.3 percentage points). At the same time, medium (unweighted) interest rates For deposits in the amount of 700 thousand rubles. amounted to 8.8% (decline in 2013 by 0.9 pp).
The reduction in deposits on deposits occurred mainly in II and in the third quarters. In turn, in the IV quarter among banks, there was a multidirectional movement of rates - 39 banks reduced, and 23, on the contrary, increased, as a result, the average rate of interest in the fourth quarter decreased slightly (by 0.1 percentage points).
During the whole 2013, a positive real yield on the ruble deposits per 1-3 percentage points was maintained. Above the level of inflation. According to QU estimates, the profitability of deposits in 2014 will also be at a level slightly exceeding inflation.
Monetary and urgent deposit structure
According to the results of 2013, the share of deposits in foreign currency Practically did not change. The first three quarters there was a smooth height - from 17.5 to 18.5%, and at the end of the year, thanks to a large influx ruble deposits, the share of the invoolta decreased to 17.4%.
For the past four years, the share of deposits in foreign currency is in the range of 17-19% and, according to QU estimates, it will not leave these borders in the current year.
It should be noted the growth in the reporting year the share of long-term deposits over 1 years - from 58.9 to 61.8%. At the same time, short-term deposits have been reduced - from 22 to 19.2%. The share of demand deposits slightly decreased - from 19.1 to 18.9%. In general, the marked trends, in our opinion, are caused by preference more profitable long-term investments, especially in the conditions of relatively high interest rates.
Concentration of the deposit market
"Nervousness" in the deposit market, in connection with the review of licenses in several banks at the end of the year, influenced the redistribution of market positions. credit organizations. Thus, the share of 30 largest contributions to the population of banks The first three quarters of 2013 was smoothly declining - from 77.1 to 76.4%, and in the fourth quarter rose to 78.6%. The share of Sberbank of Russia also behaved in a similar way: the first three quarters of the reduction - from 45.8 to 44.7%, in the IV quarter increase to 46.7%.
At the end of the year, the highest growth rates were observed in network multifilia banks - 18.1% and in the banks of the Moscow region - 16.4%. Regional banks Rose by 12.8%. At the same time, deposits in Sberbank Russia increased by 21.6%.
Insurance responsibility of ASV
The amount of insurance responsibility of the ASV (potential obligations to pay insurance compensation) in 2013 decreased from 67.2 to 65.5% of the insured deposits. Excluded Sberbank of Russia - from 54.1 to 53.0%.
Today, Sberbank offers its depositors of deposit programs for all categories of the population and with different needs:
- standard deposits;
- deposits through an online application;
- multicurrency deposits;
- deposits for pensioners;
- savings certificates.
Standard contributions
Standard deposits, or as you call them the bank " Urgent contributions»Designed for existing customers SberbankAnd for new ones. In 2013, there are about ten of them.
In the form of storage, they are divided as:
- Deposits with the right of replenishment ( "Pour", "manage").
- Contribution with partial removal ( "Manage").
- Deposits with monthly percent removal ( "Keep", "replenish", "manage", "growing").
- Deposits with the removal of interest at the end of the term ( "Gift a life" (interest is accrued every 3 months) "Growing").
It is possible to arrange one of the above deposits for a period of 1 month to 3 years. Minimum amount deposits - from 1000 rubles. Please note: the minimum deposit amount for the program "Gift a life" - 10 thousand rubles for the program "Manage" - 30 thousand rubles.
Contributions-online
What is the difference Online deposits from deposits decorated directly in the bank? All simple - interest rates on such contributions are automatically increased by 1% (if deposits in rubles), in the currency - by 0.15%. Pros of such contributions:
- open the contribution without leaving the house;
- customer-deputy customer service at any time of the day;
- the replenishment of the treasure passes without removing cash from the card (if there is a card to which money is accrued).
But such favorable offers are necessarily accompanied by a significant minus. And he is here. Making a contribution-online, in the form of filling, you must provide about yourself the maximum amount of information, including from personal life.
Sberbank Invites depositors three deposit programs online: "Keep online @ en", "replenish online @ w on", "Manage ONL @ ENE".
Multicurrency deposits
Deposits for pensioners
In 2013 Sberbank Offers three species deposits for pensioners:
- Contribution "Save"
- Contribution "replenish"
- Pension-plus Sberbank of Russia
Most profitable and convenient under conditions contribution to pensioners Contribution is considered "Save". It offers the highest interest rates among all possible deposit Sberbank: from 6.15% to 8.7% per year. The percentage will increase depending on the term of the contribution under the contract. This allows you to translate the contribution from the current program to a new one, with more favorable conditions (if such a). Percentages are accrued every month, but you will not have the opportunity to report money to the deposit.
Program "Pension-Plus" The most flexible under conditions. Here is possible:
- open a deposit from 1 ruble;
- replenish at any time for any amount;
- partially remove money from the deposit;
- shoot percent quarterly.
And here is the minuses:
You can only put a deposit for three years, and the percentage will twice the smallest contributions - 3.5%.
Contribution " Replenish"Provides the opportunity to replenish the deposit, but interest rates, unlike the program "Save", an order of magnitude lower from 6.05% to 8%.
Savings certificates
Interest rates on deposits for different categories of the population
Interest rates on the deposit in Sberbank They grow depending on its duration: the more the term of the deposit, the higher the percentage. At depositors Sberbank There is an opportunity to open a deposit for a period of a month to 3 years.
When opening " Urgent contribution For the minimum term, the depositor can receive from 4.55% - 5.15% per annum in rubles and 1% in currency. Upon maximum period - 3 years - this percentage will increase to 7.25% - 8.75% per annum, in currency - up to 2.8% to 3.25%.
Contribution "Growing" offers more favorable bets: 6.75% -10% per annum. The minimum deposit period is 1 year, the maximum - 3 years. To get 10% per annum, you need to put a deposit for 3 years and at least 1 million rubles.
According to multi-currency deposits, they range from 0.01% to 6.8% per annum. Minimum percentage It is established for a period of one to two years with the amount of the contribution to 15 thousand rubles. From 15 thousand rubles a percentage grows, starting with 5.65% per annum.
Under deposits decorated through online Bank, interest rates on deposits Increase by 1% in rubles, and 0.15% in foreign currency.
What are the benefits of Sberbank's deposits in 2013
- Sberbank, as the main and largest bank of the country, regardless of financial situation In the country, remains durable and reliable. This guarantees you that your deposits will not suffer in case of another crisis.
- Interest rates on deposits are quite high and not inferior to many banks in Russia.
- Today in Sberbank there are more than 20 programs for which you can not only keep your savings, but also to increase them. Among them, programs for pensioners, multicurrency deposits, online deposits, savings certificates.
Since January 2013, we have published a monthly selection of proposals for bank deposit deposits by choosing a maximum interest rate as a basic criterion, including taking into account capitalization. In this publication, we will try to analyze the change in averaged interest rate throughout the year.
For averaging, we took five maximal (taking into account the capitalization) interest rates on ruble deposits and three on currency. The results are shown in charts 1-3.
Graph 1. Changes in average interest rates on ruble deposits for 2013
Schedule2. Changing average interest rates on deposits in US dollars for 2013
Chart 3. Changes in average interest rates on euro deposits for 2013
It is interesting to analyze the dynamics of changes in interest rates during the year. Consider interest rates on ruble deposits. For the year they decreased by 8.3%, and the lion's share of this change falls for December - 3.7%. An even more impressive picture in interest rates, taking into account the capitalization (effective interest rates). During the year, this figure decreased by 12.3%, and for December, the average effective interest rate fell by 5.7%! No market mechanisms cannot be explained by such a dynamics. The situation will become understandable if we recall that on November 20, a license from a master bank was revoked. At that moment, the mechanism of revolutionary change of the Russian banking system. It is well known that the best way Progress - Evolution, but Russia is always and in all of the revolution.
An even more impressive dynamics demonstrated interest rates on dollar deposit deposits. For the year they decreased by 20.2%, and for last month of year - by 9%. This is explained, in our opinion, on the one hand, those processes in the banking sector, which was mentioned above, and on the other, expected in the near future a decline in the ruble exchange rate, and shifting their savings in foreign currency (we are most popular than the US dollar) .
As for the European currency, its dynamics for the year did not exception. Interest rates on deposits in euros decreased by 13.3%, for the last month of the year - by 4.3%.
We think that in the short and mid-term perspective, interest rates on deposits will continue to decline, but not such a rapid pace, as in the past December. In the long term, in the development of the Russian economy for the worst scenario (very low or even negative GDP growth), interest rates on deposits may begin to grow.
Savings customer mood the largest bank Countries have been improved at the very end of last year an increase in rates on several deposits. After entering 2013, Sberbank still stores on its accounts the most impressive share of Russian citizens savings. About 6 trillins of rubles of private depositors constitute 45% of the entire deposit market. Note that most of the investments are posted from a period of up to three years. Despite the fact that the Central Bank announced the recommended maximum rate at the level of 9.65% per annum (based on the testimony of deposit rates of the top ten credit institutionsAll the same best yield reaches 12.5% \u200b\u200bof the Leader of Sberbank's rating.
The deposit program includes 16 products, including classical deposits and comprehensive programs. For pensioners, elevated rates are provided (under equal conditions compared to others) on special deposits. Several accumulative accounts can be opened through the remote access system. Customer preferences lie in the area of \u200b\u200bruble products, although Sberbank offers good conditions for savings in five foreign currencies. The share of the latter was falling, then the entire last year increased, but by the end of the year amounted to about one fifth of the total mass of private contributions.
Betting
As already noted, the highest contribution rate of Sberbank reaches 12.5% \u200b\u200bper annum. Due to the nature of this product, you will not call it a classic deposit for everyone. Conditions in more traditional treaties provide for the highest yield of 9.75% (the contribution of "Save Online"). This profit is accrued on savings more than 2 million rubles. In the longest period. Minimum profits here 6.15% in short time. All products with the prefix "Online" were conceived with more high bidexceeding 0.5 points similar, but "office", i.e. those that open in the bank's office, and not at the home computer on the Internet.
Raving values \u200b\u200bin almost all deposits depend on the sum of the sum and the scale of savings. For example, 1 000 rubles or 99,999 rubles, embedded at the expense "replenish" will increase by 5.7% in six months or 6.4% in a year or more. The next segment of the sum of the amount from 100,000 to 399 999 has a bet of 5.95% in terms of 6 months and 6.65% in terms of more than a year. For pensioners there are already higher interest, which do not depend on the amount. The six-month term of the contract "replenish (pension) provides for 6.7%. Attachments for more than 12 months will bring already 7.4% of the depositor, having a pension certificate.
The maximum rates for currency savings on the "Save-online" account in the traditional pair of the Euro-dollar are as follows: 4.15% for US dollars and 4.65% for the euro for a three-year term. For savings in other currencies in the "International" account high yield It comes to level: 3.25% in Japanese yen, 3.5% in Swiss francs and 4.25% in British pounds sterling.
Terms and sums
The shortest contributions are accepted for a period of 1 month to accounts: international, preserve, keep (pension), save online.
The longests have a duration of 3 years in all products, except: multicurrency, giving life, insurance index plus, insurance - perspective, portfolio and investment.
For customers, it remains right to fix the individual account period of the account for any number of days within the minimum and maximum limits from 1 to 36 months, except: Pension Plus (3 years), give life (1 year) and all structural products in which the duration is installed in advance Bank (1, 3, 12 months).
As for the minimum possible amount, most contributions are a small contribution from 1 to 30,000 rubles or from 5 to 1,000 dollars / euro, except international (here the lower threshold at the level of 1 million yen, 10 thousand Swiss francs or as many pounds sterling).
The procedure for paying income
The percentage of interest and interest payments in Sberbank traditionally includes the schedule once a month, once a quarter, periodic rental payments or income at the end of the term. The conditions of all classical contributions (except "international", as well as accounts as part of insurance programs "Insurance Index Plus" and "Insurance - Perspective") offer the client to choose to independently - to receive profits as a rent or add it to the principal amount for capitalization.
The monthly procedure is valid in contracts: save, replenish, manage, replenish online, save online, manage online, keep (pension), replenish (pension), insurance - perspective, insurance index plus.
Once every three months, income is charged in products: pension plus, give life and multicurrency.
Profit is paid at the end of the account of the accounts: portfolio, investment, international.
Managing Options
Additional contributions are provided in the accumulative accounts: replenish, replenish online, replenish (pension), manage, manage online, pension plus, multicurrency. Here the receipt operations are not limited to timing. But it must be remembered that if the capital increases 10 times, then the interest rate will be reduced halfway to the amount of exceeding initial contribution. Minimum cash replenishment amount - 1 000 rub. or 100 euro / dollars. Cashless contributions can be transferred to the contribution. In this case, there are no restrictions on the amounts.
Borders for expendable Operations Lying within profit operations. To shoot during the entire term of the contract until the size of the initial contribution can be in deposits: manage and manage online. The pension plus contract almost does not have amount limitations on consumption, to save the contribution you need to leave at least 1 ruble.
Almost all contracts can be closed early on preferential terms, except: giving life, pension plus, portfolio and investment. But benefits begin after the sixth month of the action of the deposit and conclude a decrease in one-third rate. In other cases, the depositary percentage changes by 0.01%.
Range of interest rates |
||
Classic |
||
Multicurrency |
Ruble |
0.01 - 6.8 |
International |
Yen. |
1.3 - 3.5 |
Replenish |
Ruble |
5.1 - 8.0 |
Replenish online |
Ruble |
6.1 - 9.0 |
Replenish (pension) |
Ruble |
6.05 - 8.0 |
Save |
Ruble |
5.1 5- 8.75 |
Save online |
Ruble |
6.15 - 9.75 |
Save (pension) |
Ruble |
5.15 - 8.75 |
Manage |
Ruble |
4.55 - 7.25 |
Managing online |
Ruble |
5.55 - 8.25 |
Pension plus |
||
Gift a life |
||
Deposits in structural products |
||
Insurance index plus |
||
Insurance - Perspective |
||
Investment |
||
Portfolio |
Sberbank's deposits have already been one of the most sought-after, due to the highest level of public confidence in this financial and credit institution, but also because Sberbank is trying to offer its customers really relevant to modern financial market Conditions on deposits! In 2013, Sberbank contributions under different conditions. In the Sberbank's deposit line, there are proposals for customers of various ages and the level of financial wealth, deposits both short-term and long-term opening in russian rubles and in foreign currency.
In addition to familiar already for all deposits that have a fixed period and a predetermined interest rate, the Sberbank now offers contributions also providing for the possibility of partial removal of funds as well as replenishment. The interest rate on such deposits may vary depending on which balance is currently available on the client's account. Income by various deposits Sberbank can be paid monthly or at the end of the term of the contribution agreement. At the request of the client, interest on the contribution paid monthly may be capitalized, i.e. Add to deposit amount, which will significantly increase its profitability.
Types of deposits and interest
Sberbank offers its regular and new customers with a rather extensive selection of deposits, among which everyone can find the one that will allow him to increase the level of its welfare and get additional income Due to the profitable placement of free cash.
Contribution "Give Life"
Almost all deposits of this bank can be opened both in rubles and in dollars or euros, with the exception of one contribution that called Life - This contribution is opened only in rubles. Interest rates on deposits differ depending on the type of deposit, and are also directly dependent on its sum and the terms of placement of funds - the greater the amount and term of the deposit, the more attractive interest will be.
Contribution "Save"
Sberbank Contribution "Save" in 2013 can discover from 1 to 36 months in the amount of 1,000 rubles. Interest on this contribution range from 5.15 to 8.75% per annum on deposits in rubles, from 1.35 to 4% per annum on deposits in US dollars and from 1.25 to 4.5% per annum on euro deposits. Percentage accrual for this type of deposit is carried out monthly and at the request of the client accrued interest can either be removed or listed on a separate account or capitalized.
Contribution "Pop up"
The contribution replenish in 2013 differs from the contribution to the fact that according to this type of deposit it is possible to ensure funds, as well as the revision of the amount of interest rate in the event that the amount of the contribution exceeds a certain threshold. The contribution can be opened for a period of three months to three years, and interest rates on it can range from 5.1 to 8% on deposits in rubles, from 1.35 to 3.75% of deposits in US dollars and from 1, 25 to 4.25% of deposits in euros. Interest on this contribution is accrued monthly and can be removed by the owner of the deposit or capitalized.
"Manage"
The Contribution of the Controls differs from the contributions described above in that it is allowed to carry out expenditure operations, i.e. If necessary, the depositor can at any time take off part of the contribution. Also, as in the contribution replenish, there are additional funds on this contribution to the account. Another difference of the contribution of the Deposit in 2013 is that the minimum deposit amount is 30 000 rubles or 1,000 dollars, but the deadlines remain the same and can be from three months to three years. Interest rates on this contribution of Sberbank are from 4.55 to 7.25% per annum on deposits in rubles, from 1.3 to 3.55% per annulated deposits in dollars and from 1.1, from 4.1% per annulated deposits In Euro. Accrual of interest on this deposit is carried out monthly.
A special place in the line of deposits of Sberbank is covered by a giving life, which can only be opened in Russian rubles. This contribution is of particular interest for those who want to help seriously sick children, because 0.3% per annum from the amount of the deposit every 3 months is listed at the expense of a charitable organization. Give life. The interest rate on the deposit of life is 8% per annum, and interest accrual is carried out every 3 months. The minimum deposit amount may be 10,000 rubles, and its term is 1 year.
Sberbank: deposits in rubles and foreign currency issued online
For those Sberbank customers who connected to the remote access system to the services of Sberbank-online bank, there is a unique opportunity to issue bank deposit on the most favorable conditions. Now every Sberbank-online user can independently make a contribution to the system, using a convenient and understandable interface and following the prompts. With this method, the discovery of the deposit, customers can count on obtaining a higher interest rate, which deposits in rubles will be higher on average by 1%, and on deposits in dollars and euro above average by 0.15%.
In the Sberbank-online system, you can make such deposits as you save online, replenish online and manage online, the conditions for which will be similar to those offered by traditional deposits, but the interest rate will be higher.
Deposits of Sberbank for Pensioners
Showing concerns about people of retirement age, Sberbank has developed special offers for some of their contributions that are valid only for pensioners. According to such deposits of Sberbank as preserve and replenish for people of retirement age, there are special conditions that allow them to count on receiving larger income By deposit due to a higher interest rate. For example, on the contribution of preserve for pensioners, rates are offered in the amount of from 6.15 to 8.75 per deposits in rubles, while for all other categories of the population there are interest rates in the amount of from 5.15 to 8.75. According to the deposit, the rates for pensioners are also more attractive - from 6.05 to 8% per annum against 5.10 to 8% per annum for all others.
In addition, in the line of deposits of Sberbank and private view The contribution to which only pensioners can take advantage. This contribution was called pension-plus and implies receipt of income on the pension funds listed at the bank. At the same time, the income is charged daily to any balance account, even if it is only 1 ruble. The interest rate according to this type of contribution is 3.5% per annum and remains unchanged during the entire term of the contribution agreement. At the request, the pensioner can take off from the deposit required funds, as well as to replenish it. You can also leave the bank a regular order for monthly payment. communal serviceswhich will be made at the expense of deposit.
Sberbank of Russia: deposits for various customers
It is impossible not to note the fact that Sberbank of Russia in last years Made just a colossal leap as servicing its customers and significantly expanded the list of products and services offered to them.
As Sberbank writes - the official website - the interest rates are the most profitable, but is it true? If you carefully look at similar proposal of other large banks, it can be noted that in fact the interest rates offered by Sberbank are not so great and sometimes losing offers from other banks that promise to their customers and 10% and sometimes even up to 12% per annum . It should be noted that these are also solid banks with a good reputation involved in the deposit insurance system.
So why do so many people choose Sberbank of Russia as their bank, if you can find suggestions and more profitable? Mostly people do it just in habit, continuing to count Sberbank the best and most reliable, and sometimes just because they are afraid of change in their lives, even if we are talking Only about changing the bank!