Sberbank remains the most reliable bank in Russia. This is confirmed by the dry statistics of more than 7.2 trillion rubles, the citizens of Russia preferred to keep in the bank. Meanwhile, the total volume of retail loans is only three trillion. Sberbank remains the leader among banking organizations in the field of deposits; more than 44.5% of all citizens' funds invested in deposits are kept in Sberbank. However, this year, according to the results of September, this is not the best indicator at the beginning of 2013, the bank held 45.7%.
Nevertheless, the volume of funds invested in the bank is growing, already now they are talking about 8% growth. However, last year the growth was 17.4% per annum. First of all, by improving the quality of service.
Current deposits and rates on them
The bank provides many opportunities. Along with the three pillars on which the entire deposit policy of the bank is based - Save, Replenish, Manage, customers have the opportunity to buy a Savings certificate, open a multi-currency or international deposit, use special program. The same applies to pension deposits and online deposits.
1. savings certificate
This is not a deposit, but a security, on which the interest specified in the agreement is charged, and which the bearer can cash out.
Terms: 91-1095 days (longer storage is possible).
Amounts: 10,000 - 100,000,000 rubles;
Rates: 0.01-9.3%.
At the moment, this is the most advantageous offer of the Bank. Partial withdrawal and replenishment is not possible here, but this, as a rule, is not required.
Last year, the maximum interest rate was 10.5% per annum.
2. save
Classic time deposit without partial withdrawal and replenishment. Interest on this deposit is also relatively high.
Terms: 1 month - 3 years;
Amounts: 1000 - 2,000,000 (or more);
Rates: 4.4 - 7% (7.76% subject to capitalization).
Last year on this deposit it was possible to receive from 5.15 to 8.75% per annum.
Rates in US dollars and euros in 2013 amounted to 0.3-2.25%, in 2012 - in dollars 1.35-4%, in euros 1.25-4.5%.
3. Replenish
Convenient savings deposit with the possibility of replenishment, without partial withdrawal.
Terms: 3 months - 3 years;
Amounts: 1000 - 2,000,000 rubles or more;
Rates in 2014: 4.6 - 6.6% (including capitalization - 7.28%).
Last year on this deposit it was possible to receive from 5.1 to 8% per annum.
Rates in dollars and euros in 2013 - 0.4-2.05%, in 2012 in dollars - 1.35-3.75%, in euros - 1.25-4.24%.
4. drive
Deposit with the possibility of replenishment and withdrawal.
Terms: 3 months - 3 years;
Amounts: 30,000 - 2,000,000 rubles;
Rates: 4-6.1% (excluding capitalization).
In 2012, the bank's clients could count on 4.55-7.25% per annum.
In 2013, a client can receive 0.35-1.85% on foreign currency deposits, in 2012 on a dollar account - 1.3-3.55%, on a euro account - 1.1-4.1%.
5. gift a life
Special charity program operating in the bank for several years.
Term 1 year;
Amount from 10,000 rubles;
Interest rate for 2014: 6.4% (capitalization is possible).
As before, every three months, 0.3% is withdrawn from the deposit amount. Last year the conditions were more favorable: 8% per annum.
6. Multicurrency
A deposit that allows you to play on the exchange rate, simultaneously receiving additional income in the form of interest. May be very relevant in 2014, because. exchange rates may change significantly due to changes in the monetary policy of the US Federal Reserve.
Rubles: up to 5.9% per annum;
US dollars: up to 1.75%;
Euro: up to 1.75%.
Compared to the previous year, the rates on this deposit in 2014 decreased by 0.9% in rubles, 1.65% in dollars, and 2% in euros.
7. savings account
This is an analogue of a savings book, but instead of 0.01% (the interest rate of a demand deposit), the owners of such an account will receive 2.3% for any amount in rubles. There was no program last year.
8. International
A deposit in British pounds sterling, Swiss francs, Japanese yens can not be opened in all banks, but still the program exists.
Minimum amount: 10,000 pounds sterling, francs or yen, term - from 1 month to 3 years.
Interest rates:
British pounds sterling: 0.55-3.25% (that year - 1.55-4.25%);
Swiss francs: 0.1-2.5% (in 2013 - 1.1-3.5%);
Japanese yen: 0.3-2.25% (in the past - 1.3-3.5%).
9. Online deposits
In fact, these deposits are no different from the traditional offers of Sberbank: "Save", "Replenish", "Manage", however, they can be opened remotely via the Internet bank. In addition, the rates here are higher by 0.25% for ruble deposits and by 0.1% for foreign currency.
Last year, the bank treated online customers more loyally, rates in rubles differed by 1%, in foreign currency - by 0.1-0.3% per annum.
10. Pension contributions
Programs for pensioners in Sberbank are still in effect. Currently available:
- "Keep", the rate is up to 7.76% (including capitalization), in 2012 it was - up to 8.75%;
- "Replenish", the rate is up to 7.28%, in 2012 - up to 8%;
- "Pension plus", the rate is up to 3.5% (the percentage has not changed).
Dynamics of rate changes
As you can see, compared to 2012-2013, in 2014 Sberbank offers not such high interest rates on deposits. Rates were reduced not only on ruble deposits, but the terms and conditions of the Bank's foreign exchange offers also underwent significant changes. If in the first case the difference is about 1% (and this is about 15-20% of the previous rates), then in the second - up to 2-3% (that is, almost twice). It is worth noting that the decrease in interest rates is a trend that has affected not only the largest bank in the country, but also most other banks. The reality is that interest rates are declining, and depositors need to have time to orient themselves, get used to the new conditions.
What interest rates await us in 2014?
As in the case of interest on loans, rates on deposits at Sberbank are declining. They appear, but attracting depositors to the bank on the same terms is no longer so profitable: if a loan becomes cheaper, it is always followed by a decrease in the cost of attracting funds from depositors.
In the future, it is quite possible to further reduce rates on ruble accounts. The issue of foreign exchange deposits remains open: in this case everything depends solely on the factors of the world economy.
One of the signs of the modern financial culture of a reasonable person is the desire to form savings and place them in a reliable bank that guarantees the safety of funds and significant interest income. These criteria are primarily met by deposits with Sberbank of Russia.
For those who wish to have a specific amount by a certain date, the bank offers the “Replenish” deposit. The period for which funds are placed on this deposit is from 3 to 36 months. The profitability of a deposit depends on its size and the term of their placement and ranges from 4.60% - 7.28% for deposits in rubles, 0.4% - 2.11% for deposits in foreign currency. In accordance with the deposit agreement, the client is given the opportunity to replenish the deposit. Early partial withdrawals are not allowed. The minimum possible deposit amount is one thousand rubles or 100 USD/EUR.
When making a deposit in the mode online client can expect higher interest rates. On the “Replenish online” deposit, Sberbank of Russia offers 4.85% - 7.58% per annum for savings in rubles, 0.2% - 2.22% per annum for savings in dollars or euros.
Terms of deposits "Save", "Save online", "Manage"
Those who want to get the maximum income on the deposited funds, it makes sense to pay attention to the "Save" and "Save online" deposits. The term of placement of deposits is from 1 to 36 months. The deposit agreement does not imply replenishment or partial withdrawal of funds. The minimum deposit amount is one thousand rubles or 100 USD/EUR. The "Save" deposit offers rates of 4.4% - 7.76% for deposits in rubles, 0.3% - 2.33% for deposits in dollars or euros. The "Save Online" deposit will bring its owners 4.65% - 8.07% for ruble deposits, 0.4% - 2.43% for foreign currency deposits.
In addition, Sberbank has a Pension Plus program, the terms of which you can find on our website.
Those who need mobility of funds, but still want to create savings, need to rely on the “Manage” deposit. This deposit allows you to partially use the funds placed on the deposit without losing interest income. This deposit is replenishable, the deposit agreement is valid from three to thirty-six months. Deposit yield - 4% -6.68% for ruble deposits, 0.35% -1.9% for foreign currency deposits. The minimum deposit amount is 30,000 rubles or 1,000 USD/EUR. Making this deposit online will allow you to get a higher profitability.
Earnings on fluctuations in global financial markets
For those who are ready to predict the rates of major world currencies, it makes sense to receive income not only as interest on a deposit, but also from fluctuations in global financial markets. Sberbank of Russia is ready to accept deposits in British pounds, Swiss francs and Japanese yens from its clients. The corresponding "International" deposit can be opened for up to thirty-six months. If the client prefers Swiss or British currency, then the minimum deposit amount is 10,000 francs/pounds. To open a deposit in yen, you need to have 1,000,000 yen. Supporters of the British currency can be sure that they will increase their contribution by 0.55-3.25 percent per year, the owners of Swiss francs will receive from 0.1 to 2.5 percent, the yield of the yen - 0.3-2.25 percent.
Sberbank's specialization in servicing the population is reflected not only in the range of loan programs, but also in Sberbank's deposits for individuals in 2014 occupy the lion's share of the bank's liabilities. For pensioners, students, and the working population, attractive conditions for responsible storage of financial resources have been created.
Deposit (deposit) - financial resources that are provided by individuals and legal entities for bank management for a clearly defined term and at a certain percentage, indicated in a legal agreement.
Sberbank deposits can be conditionally divided into:
On demand: deposit funds from this account can be used by the owner at any time. We can say that such a deposit acts as a kind of savings book for salaries, savings, etc.
- for a certain period (term): the agreement with the bank clearly defines the terms of the deposit, the percentage for the use of resources, the terms of return. The income received on such deposits is always higher than on demand deposits. This is due to the fact that if the depositor wants to withdraw money from the deposit of Sberbank ahead of schedule, he will be charged interest for use at a reduced rate. But a term deposit can be considered in the case when it lies for at least six months or another term of mandatory storage specified in the contract.
Nominal deposits of Sberbank: a convenient option for a gift or savings deposit for a significant date or dedicated to a festive event.
Attraction of deposit funds by Sberbank is possible by:
Registration of a deposit agreement on term deposits;
Preparation and issuance of a certificate of deposit.
In both options, the bank that received funds from the depositor undertakes to pay the amount of the deposit (deposit) and accrued interest on the terms and in the manner prescribed by the agreement.
The advantage of Sberbank deposits is the possibility of opening both currency and ruble accounts. Interest for the use of the deposit, according to the terms of the agreement, can be paid upon repayment of the deposit, periodically or in advance.
Sberbank deposits for individuals in 2014
For pensioners, individuals and legal entities, students, Sberbank has developed a lot of profitable offers for deposits. Among the bank's products, Sberbank's deposit programs for individuals in 2014 are actively gaining popularity:
- "Save": the minimum deposit amount is from 1000 rubles (100 US dollars or 100 euros), the term is from one month to three years, the rate ranges from 4.4% to 7% per annum in rubles, replenishment or partial withdrawal are not provided. When making this deposit through the Sberbank Online application, the interest rate is slightly higher and ranges from 4.65% to 8.4% per annum in rubles.
- "Replenish": the conditions are similar to the previous deposit, the rate ranges from 4.6% to 7.3% per annum in rubles, while the possibility of replenishing a deposit account is available - an ideal opportunity for those who prefer to save in rubles. This is one of the most popular Sberbank deposits for individuals in 2014.
- "Manage": for those who are always accustomed to control their money. The minimum deposit amount is RUB 30,000 (USD 1,000 / EUR 1,000), term from three months to three years, partial withdrawals and replenishment of the deposit are available. The rate ranges from 4% to 6.68% per annum in rubles. In the online version, the rate is 4.25% to 7.28% per annum in rubles.
A savings account is the best choice among Sberbank deposits for individuals in 2014, for pensioners: it allows you to freely use deposit funds, there is no minimum deposit amount, no term of use is limited, there is no limit on withdrawals and deposits, the rate is from 1.5% to 2.3% per annum rubles.
The bank pays special attention to pension deposits.
Sberbank deposits for pensioners
For this category of the population, Sberbank offers a special deposit service program - "Pension +", which provides for the calculation of interest on pension funds placed in a bank account.
Sberbank deposits for pensioners. Terms:
The minimum deposit amount is purely symbolic - 1 ruble;
The term of the deposit agreement is three years with the right of subsequent prolongation;
It is possible to replenish the deposit account;
Partial withdrawals are not limited;
The rate is 3.67% per annum in rubles.
To draw up an agreement, you need to visit the Sberbank branch with a document proving your identity, sign a deposit agreement and deposit money into the account. From now on, on the balance of funds under the terms of the Sberbank Deposit for pensioners, you will be charged a fixed percentage. At the same time, the accumulated amount of interest is added quarterly to the amount of the deposit, thereby increasing your subsequent income. Please note that in case of early termination of the deposit agreement and withdrawal of funds, interest for the use of money is accrued at the rate in force at the time of signing the agreement. Excluding interest capitalization.
Sberbank deposits for pensioners, the conditions provide for automatic extension of the agreement, for which you can issue a testamentary disposition or power of attorney.
Summing up, I would like to note that Sberbank has long established itself as a reliable financial partner both in terms of lending and deposit storage of funds. A wide range of offers covers all categories of the population, I provide the most favorable conditions for banking services.
Sberbank of Russia is considered the most reliable bank and guarantor. This is evidenced even by simple statistics. In 2013, depositors put more than eight trillion rubles into deposit accounts! 45% of deposits belong to Sberbank.
Not a single Russian or foreign bank operating in Russia can boast of such data. It is no coincidence that there are people who attribute the functions of the Central Bank to Sberbank.
An interesting paradox. When a person decides to take a loan, he first of all considers the offers of commercial banks, believing that they have more favorable conditions. But when it comes to deposits, first of all, he pays attention to Sberbank, since it is believed that nothing will break this financial monster.
The Savings Bank of the Russian Federation really offers a wide range of deposits, taking into account the interests of depositors and social status. All contributions are in principle divided into three areas: “ save», « drive" and " Replenish". Moreover, almost any Sberbank deposit is duplicated by the ability to open a deposit account, offering the service online.
Types of deposits in Sberbank in 2014
Contribution "Save"
The minimum deposit is 1000 rubles or 100 euros or US dollars. It is worth noting right away that if you decide to open deposits in dollars or euros, then the interest rate will be much lower than in domestic rubles. In rubles, the minimum rate will be 4.4%, and in dollars 2.33%, but already the maximum (information for reflection).
The "Save" deposit has no limit on the amount of the deposit account, but to determine the amount interest rate the following is done:
From 1,000 to 100,000 rubles - 4.4%;
From 100,000 to 400,000 - 4.5%;
From 400,000 to 700,000 - 4.65%;
From 700,000 to 2,000,000 - 4.8%;
From 2,000,000 rubles - 5.00%. Interest is indicated for the shortest deposit for one to two months. Deposit "Save" can be made for a period of up to three years, and accordingly, the interest will be higher. For example, the interest on a deposit of 1,000 rubles for a period of one year will be 5.4%, and if it is issued for 13-14 months, you can get a rate of 5.8%.
The deposit does not provide for replenishment or partial withdrawal of money. You can only withdraw interest. If the interest income is not withdrawn, then the capitalization of the deposit takes place and further interest is accrued from the amount of deposit + interest.
For pensioners who have made a "Save Pension" deposit, there is a maximum interest rate. 5% for deposits for 1-2 months and 7.76% for up to three years. If the depositor reaches retirement age during the validity of the deposit, then Sberbank makes a recalculation for the remaining period.
Deposit "Top up"
The same gradation amounts as for the “Save” deposit, but the minimum deposit term is 3 months. Moreover, if you decide to win on the interest rate, then the best option is to make a deposit for a period of 6 months, since it belongs to the category of accumulative.
Interest is calculated monthly and added to the principal amount of the deposit, but they can also be withdrawn or transferred to the card. But keep in mind, if you withdraw interest (that is, without replenishing the deposit account in any way) and make a deposit for a period of more than 6 months, then the interest rate on the “Replenish” deposit will be lower than on the first deposit in the “Keep” line.
There is one more noteworthy point in this contribution. If you have opened a deposit account in the amount of one to one hundred thousand rubles, you will accrue interest on this gradation. If you do not withdraw interest and replenish the account in cash, if the barrier of 100,000 rubles is exceeded, recalculation will be made to the next interest rate.
For pensioners, the same rules apply as for the "Save" deposit. Everything is calculated at the maximum interest rate.
Deposit "Manage"
It happens that you put money into a deposit account, but after a couple of months you need some money. In order not to close the account, Sberbank of Russia opened the Manage deposit. The minimum amount for this deposit is 30,000 rubles or 1,000 US dollars.
But its difference is that you can withdraw money up to the minimum limit (minimum balance). This means the minimum in each gradation, that is, 30000, 10000, etc. It turns out that you can withdraw money and interest on the minimum balance continues to accrue.
Deposit "Give Life"
This type of deposit deserves special attention. If you want to not only make a profit from your "extra" money, but also help someone, then you are here. The depositors of this deposit take part in a promotion with the same name, which is held by Sberbank.
Every quarter, your account will be charged 0.3% of total amount. The money goes to the account of a charitable foundation that helps children with oncohematological and other serious diseases.
The minimum amount is 10,000 rubles (dollars are not provided), no gradation and a flat rate of 6.4% per annum. The account is not replenished and there is no partial withdrawal. The term of the deposit is 1 year.
The benefits have already been mentioned above, but they also have their own line pension deposits. If you have a desire to learn more about the terms of Sberbank deposits, this can be done on its official website or at any branch.
The past year was not just successful for the first bank of Russia. The turn towards non-standard solutions for Sberbank surprised not only its most devoted and conservative clients.
According to statistics in one search engine Yandex is dedicated to him more than 9 million requests monthly. As for attracting funds from individuals, bank analysts note the launch of a special tariff plan for premium clients (Sberbank Premier channel), as well as the opening of the 100th office for wealthy clients (Sberbank First channel). Wealthy clients placed more than 780 billion rubles on the bank's deposits. The share of the remaining liabilities of the Sberbank First channel in the total liabilities of Sberbank increased from 9.3% to 10.6% over the year.
Results of the past year
Completely natural result new policy was the growth of household deposits in 2013 by 20.6%, the total amount of which is already more than 40% of all bank deposits of individuals. In one December, the funds of individuals increased by 644 billion rubles and approached 8 trillion. rubles. If we compare this number with the volume of deposits of the largest retail bank in the country, VTB24, which ranks second in terms of the amount of capital raised from individuals, then the latter has the same figure only up to 1.3 trillion. rubles, i.e., it turns out to be 6 times less. According to preliminary data, the net profit of Sberbank last year amounted to 350 billion rubles, and this is almost 10 times more than the income of the second bank of the Russian Federation.
It will not be out of place to remind you that not only on these balance sheet indicators, Sberbank consistently occupies the first lines of various financial ratings among Russian financial institutions. The classic Sberbank net asset size index, which traditionally ranks banks in the world financial system, shows the level of 16.7 trillion. rubles, which is 5 times more than that of Gazprombank, which occupies the next place in the Russian economy.
It is according to the indicators of this five that attract the largest number funds of the population, the Central Bank calculates the maximum rate of deposits to guide the market of bank deposits.
prospects
According to most experts, Sberbank's deposit offers in the coming year will be characterized by a gradual reduction in rates. And all this is due to the fact that new loan programs with very attractive conditions for borrowers are constantly appearing among the bank's retail products. And, as a result, it is no longer profitable for Sberbank to raise money in deposits on the same terms, because after the reduction in the cost of credit programs, the cost of attracting free funds from depositors decreases.
It should be clarified that we are talking about a decrease in the yield on ruble deposits. In the case of foreign currency deposits, the question is still open, since the processes taking place in the world economy will have a certain influence here.
Contributions in 2014
The Sberbank deposit program for 2014 includes classic time deposits in rubles and foreign currency, deposit accounts for pensioners, for clients on the Internet, and a special charitable account. Also, in order to save and accumulate funds, the bank offers to open depersonalized metal accounts or purchase. Each person will be able to choose the most optimal option for their savings, in order not only to save them, but also to increase them.
| The product's name | Rates (range in %) | Term (range in months) | Minimum amount |
Classic term deposits |
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International | Yen: 0.3 - 2.25 CHF: 0.1 - 2.5 Pound Sterling: 0.55 - 3.25 | 1,000,000 yen10,000 Swiss francs10,000 GBP | |
Multicurrency | Rubles: 0.01 - 5.9 Dollars: 0.01 - 1.78 Euro 0.01 - 1.78 | RUB 5 USD 5 EUR 5 | |
Replenish | Rubles: 4.6 - 7.28 Dollars: 0.4 - 2.11 Euros: 0.4 - 2.11 | ||
save | Rubles: 4.4 - 7.76 Dollars: 0.3 - 2.33 Euro: 0.3 - 2.33 | RUB 1,000 USD 100 EUR 100 | |
drive | Rubles: 4 - 6.68 Dollars: 0.35 - 1.9 Euro: 0.35 - 1.9 | ||
Online deposits available for opening on the Internet |
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Refill Online | Rubles: 4.85 - 7.58 Dollars: 0.5 - 2.22 Euro: 0.4 - 2.22 | RUB 1,000 USD 100 EUR 100 | |
Save Online | Rubles: 4.65 - 8.07 Dollars: 0.4 - 2.43 Euros: 0.4 - 2.43 | RUB 1,000 USD 100 EUR 100 | |
Drive Online | Rubles: 4.25 - 6.97 Dollars: 0.45 - 2.01 Euro: 0.45 - 2.01 | RUB 30,000 USD 1,000 EUR 1,000 | |
Deposit accounts for pensioners |
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Pension Plus | Rubles: 3.5 (3.67) | ||
Replenish (retirement) | Rubles: 5.3 - 7.28 Dollars: 0.8 - 2.11 Euro: 0.8 - 2.11 | 1 000 rubles 100 USD |
|
Save (retirement) | Rubles: 5 - 7.76 Dollars: 0.6 - 2.33 Euro: 0.6 - 2.33 | 1 000 rubles 100 USD |
|
Special charitable contribution |
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Gift a life | Rubles: 6.4 (6.56) | 10 000 rubles |
|
metal bills |
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Payment in rubles at the selling rate set by the bank: gold, silver, platinum, palladium | |||
Savings certificates |
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Savings certificate of Sberbank of Russia | 10 000 rubles |
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The maximum values of interest rates are indicated taking into account capitalization.
As you can see from the table, the duration of savings in Sberbank starts from one month and ends with a period of 3 years, if we talk about deposits, and has no limit, if we invest in precious metals.
The interest rate depends on the sum range in deposits: International, Multicurrency, Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save Online, Manage, Manage Online.
By the way, pensioners now also have the opportunity to open Sberbank deposits online. Moreover, the bank conducts free training seminars for them on the elimination of computer illiteracy. In addition to learning how to use Internet banking, the courses talk about other useful features, which are available to anyone through a virtual network: search for transport schedules, buying tickets, public services and information about benefits.
The procedure for paying and accruing interest on Sberbank deposits in 2014 may be as follows:
— At the end of the term: International Savings Certificate.
– Monthly rent or capitalization once a month at the choice of the client: Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save online, Manage, Manage Online.
— Quarterly rent or capitalization once a quarter at the choice of the client: Multi-currency, Give life.
— Quarterly rent: Pension plus.
Most Sberbank deposits provide additional management options during the term of the agreement:
— Replenishment: Multi-currency, Pension plus, Replenish, Replenish (retirement), Replenish Online, Manage, Manage Online, CHI.
— Partial expense: Pension plus, Manage, Manage Online, CHI.
— Simultaneous ability to spend and replenish: Pension Plus, Manage, Manage Online, CHI.
— Preferential accrual of interest in case of early termination of the contract: International, Multicurrency, Replenish, Replenish (retirement), Replenish Online, Save, Save (retirement), Save Online, Manage, Manage Online.
You can make a deposit in favor of third parties, for example, for minor children or other relatives, in the products: Replenish, Manage, Save, Save Online, CHI.