The insured deposit amount is the mechanism of operation of the state system and the maximum amount of payment. Deposit insurance Conditions for insurance of deposits of individuals in banks

Back in 2003, Russia adopted the law “On Insurance of Deposits in Banks”. According to this document, the bulk of bank deposits in our country are insured. In cases where the bank is deprived of the license, the depositor will receive a refund of the full amount of the deposit. But not more than the limit determined by the same law. Recall how much is insured by the state on bank deposits in 2020, in what cases and how compensation is paid.

How much is the deposit insured in 2020

The maximum amount is set by the relevant federal law. In 2020, this is one hundred percent of the contribution, but not more than 1.4 million rubles.

This maximum amount is valid from December 29, 2014. Prior to this date, the maximum insurance amount was half as much - 700 thousand rubles. And once it all started with a modest amount of 100 thousand rubles.

At the same time, the law stipulates that if the same person has several deposits opened at the same bank at once, the reimbursement for all of them in total cannot exceed the limit of 1.4 million rubles.

It should be borne in mind that not only the principal amount of the deposit is insured, but also the interest on it.

In this case, interest is accrued up to the day that preceded the day the license was revoked from the bank. For example, if a bank loses its license from the Central Bank on March 1, 2020, then depositors receive insurance compensation, taking into account interest that was accrued up to February 29.

Are funds placed on escrow accounts subject to insurance?

Yes, and moreover, the maximum amount of insurance for such accounts is much higher than in the case of ordinary deposits.

The maximum insured amount on escrow accounts in 2020 is 10 million rubles.

Recall that escrow accounts can be opened in Russia for settlements under real estate purchase and sale transactions, as well as under agreements for participation in shared construction. The money that is placed on such an account, before the transfer of the finished property to the buyer, cannot be withdrawn from the account by either the seller or the buyer of the home.

This feature of the account is a kind of insurance against unscrupulous sellers or developers. They, in turn, are insured against the fact that the buyer, with whom they are counting on a deal, will simply change their mind about buying real estate.

But of course weak point in this scheme is that the bank where the escrow account is opened may be deprived of a license. And then the buyer's money is in danger of disappearing. The standard sum insured is 1.4 million rubles per this case- funny and miserable. In most large cities of the country, this money cannot even buy one-room apartment. Therefore, separate insurance rules apply for escrow accounts.

What is an insured event under the law on deposit insurance

These are two possible situations:

1. if the Bank of Russia has revoked (annulled) the license of the bank,
2. if the Bank of Russia has imposed a moratorium on satisfying the claims of the bank's creditors.

How insurance compensation is paid to depositors in 2020

The standard practice is as follows. The Central Bank, after revoking the bank's license, is holding a competition between other credit institutions in order to select an operating bank for the payment of insurance compensation. The designated operator is announced in the press and on the website of the Deposit Insurance Agency -.

14 days after the revocation of the license from the bank, its depositors begin to receive reimbursement under the insurance from the operating bank.

The law on insurance of bank deposits in Russia has a lot of nuances. It is simply impossible to cover all of them in one material. Answers to many questions can be found in a large and detailed one on the DIA website. You can also get advice on the free DIA hotline - its number is 8-800-200-08-05.

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The initiative to increase the amount of the insured amount in the bank was submitted to the State Duma in the summer of 2013, but since then there have been no movements. The initiative remained the initiative. But December 2014 made it necessary to consider and approve this initiative in an accelerated mode and increase the amount of coverage from 700 thousand rubles to 1.4 million rubles, together with the previously proposed 1 million rubles.

This measure is aimed at some reassurance of depositors who have more than 1 million rubles in ruble accounts. It is worth noting that individuals with foreign currency deposits "got rich" for recent times twice in ruble terms simply due to the fall of the national currency. Therefore, the outflow of such deposits can be compensated by an increase in insurance coverage. Those. if in July a deposit of $20,000 in ruble equivalent was approximately 700,000 rubles, now $20,000 is about 1-1.4 million rubles.

However, the bill still has to be approved by the Federation Council and signed by the President, which probably won't be a problem.

Prerequisites for increasing insurance coverage for deposits

The fall in the price of oil, the unfavorable macroeconomic situation, in fact the gradual involvement of the country in the war, sanctions, a significant drop in the price of the currency and, finally, a sharp increase in the key rate of the Central Bank led to financial markets The panic began.

Individuals, realizing that the strongest depreciation of money since 1998, rushed to the shops sweeping everything off the shelves. “Investing in TVs” is now a more popular form of investing money than keeping it on deposits in banks. The natural desire to spend money at the old prices led to the fact that banks were faced with the strongest outflow of capital, and some banks on this wave decided to seriously speculate by adding fuel to the fire - sending messages about difficulties in banks. For example, Sberbank

Will ASV survive?

When deciding to increase the amount of compensation, no one naturally proceeded from the real possibilities of the DIA to serve the new amount of insurance coverage. At the end of December, the DIA (Deposit Insurance Agency) reserve fund amounted to just over 74 billion rubles. At the same time, one recently, the ROST banking group was on the verge of revoking its license; significant problems are also observed in TRUST bank. Both of them were sent for reorganization, since the size of the deposits individuals in TRUST bank at the time of the announcement of its reorganization amounted to more than 144 billion rubles. Considering the bank's extremely risky lending policy in recent years, the "hole" (the gap between assets and liabilities) will probably exceed 74 billion rubles, which would immediately raise the question of the DIA's insolvency.

Of course, in this case, the Central Bank would come to the aid of the DIA, but its resource is also limited. It is one thing to provide a loan to the DIA, and another to start issuing money. The second will lead to galloping inflation, which will be prohibitive.

The banking crisis in the country, the difficult economic situation make people think about how reliable banks whether investments on deposits are protected and what is the amount of deposit insurance. Almost every month, the Central Bank of the Russian Federation revokes the license of a financial and credit organization. The state is trying to protect the savings of citizens in banks, so depositors should know how much the insured deposit amount is, who makes payments to reimburse investments, and what procedure for applying to the DIA is accepted.

What is the deposit insurance system

In order to avoid the panic of citizens when the banks where they invested their funds stop servicing legal entities and individuals, the state created a special tool that protects the savings of citizens by determining what the sum insured deposit should be, subject to compensation when the license or temporary license is revoked from a credit institution. termination of its work with debtors and creditors.

The deposit insurance system (DIS) based on state support has been adopted in many countries around the world. Its work is aimed at stabilizing the banking sector, preventing panic, increasing public confidence in banks and reducing the likelihood of a collapse of the national currency - if a person knows that there is a guarantee of the return of invested funds, then he calmly takes these actions to receive fireproof investments.

Mechanism of action

If the bank went bankrupt, lost its license, or other force majeure circumstances occurred due to which the credit institution cannot fulfill its obligations to depositors, then the invested funds do not “freeze”, but quickly return back to the depositor in the amount specified by law. The maximum amount of the insured deposit for 2017 is 1,400,000 rubles - if the invested funds do not exceed this amount, they can be returned along with accrued interest on the basis of an agreement with the bank.

DIA functions

All operations for the return of insured deposit amounts are carried out by a specialized agency (DIA), acting by order of the state and guided by Federal Law No. 177 of December 22, 2003 or others regulatory documents. More than 100 billion rubles have been accumulated on the accounts of the DIA, which are made up of contributions from the state, banks participating in the system and investing the invested amounts in certain assets, securities and other income-generating instruments.

All information is posted on the official website of the DIA, where depositors can get acquainted with how this structure makes payments of insured money, with the register of banks participating in the system, and with the nuances of settlements. According to the accepted requirements, any financial institution that accepts clients' money for deposits is obliged to become a member of the CER and deduct certain interest on the CER, as well as insure the client's deposit and indicate this clause in the contract. The DIA is obliged to submit a register of participants in this program.

Deposit insurance amount

Experienced specialists advise opening deposits in different banks if the depositor operates large amounts of investments, since in one financial institution you can get no more than 1.4 million rubles from the insured deposit amount, regardless of the number of deposits and the amount of finance. At the same time, it does not matter whether investments are placed in the bank itself or in its subsidiary - only the indicated amount will be reimbursed - 1,400,000 rubles. There are some nuances in compensation:

• Regardless of the currency of deposits, compensation occurs in rubles, convertible at the exchange rate at the time the bank terminates its work.
• Not only deposits of depositors are compensated, but any accounts with a debit balance - salary, savings, owned by private entrepreneurs.

Which banks are insured by the state

Full list financial institutions, in whose agreements with depositors the insured deposit amount must be indicated, is located on the official website of the DIA, where you can see the current state of affairs in a particular credit structure - whether it is a member of the system, excluded from it, whether it has the right to accept funds citizens on deposits. As of October 24, 2017, there are 788 participating banks in the register, of which the largest can be distinguished - Sberbank, VTB 24, Alfa-Bank, Raiffeisen Bank, Gazprom and others.

How to check if a bank deposit is insured

On the main page of the DIA website, select the section on the list of insurance participants, type the full name of the credit institution and check whether it is included in the general insurance system. Many banking companies treat their investors in bad faith, hiding their investments from accounting, so there were cases when the insured deposit amount was not compensated when the bank was liquidated, despite the fact that it was listed as insured in the contract. To avoid such a nuisance, follow these recommendations:

• keep your copy of the contract with the bank, all checks and receipts for depositing funds into the account;
• require employees to track the movement of your money;
• Take regular account statements with bank seals and signatures stating that the funds are on deposit.

What deposits are insured by the state

The DIA emphasizes that not only the insured deposit amount is subject to compensation, but also the interest that the financial institution has committed to accrue. The following types of investments are compensated:

• deposits under any conditions - fixed-term, with capitalization of interest, on demand;
• money lying on salary, pension, savings, other debit accounts;
• amounts on the settlement accounts of individual entrepreneurs for the implementation of work;
• reserved funds in the accounts of guardians intended for payments to guardians;
• funds in special accounts reserved for the execution of real estate transactions.

Which deposits are not subject to compulsory insurance

Not all funds held in debit accounts are refundable. The following investments are not eligible for compensation:

• amounts on the accounts of persons engaged in notarial or advocacy work, intended for the implementation of their functions;
• funds on nameless accounts opened to the bearer, incl. on the savings books, metal deposits and certificates;
• amounts held by banking structures in trust management;
• deposits of branches of Russian banking organizations located abroad;
• amounts on electronic wallets belonging to this credit structure;
• all finances held in nominal debit accounts, except for trustee and guardianship.

Reimbursement Features

Many depositors have questions regarding the specifics of their contractual relationship with the banking structure, as to whether the insured deposit amount is subject to compensation or not. It is necessary to monitor all changes in federal regulations and laws regarding the procedure for payments under certain contracts. You can find out about your situation by opening the tab on the DIA website regarding constantly asked questions and answers. If the information is not found, then call the indicated telephone number of the agency's hotline.

Currency deposits

Along with ruble deposits, foreign currency deposits opened in Russian DIS member banks are considered insured. However, there are some nuances in their compensation. All deposits in foreign currency are compensated in rubles, based on the dollar exchange rate at the time of the insured event. The latter include the following events:

• revocation by the Central Bank of the existing license for banking activities;
• imposition of a moratorium (temporary suspension of all activities) on transactions with depositors, creditors and other persons who are clients of this banking organization.

The financial and credit structure must fulfill its obligations to its depositors, therefore, all the required interest on investments is accrued on the date of the occurrence of the insured situation, and is compensated according to the deposit contract, within the time limits established by it, in contrast to the body of the deposit, which is reimbursed almost immediately after force majeure . The last day of accrual of additional interest payments is the moment of occurrence of the insured event.

savings certificates

A deposit opened by a banking structure, certified by a personal certificate (indicating a specific person on the official form of the document), is insured. The owner is entitled to compensation payments due at the face value of this security. You can get finance at general order established by the DIA. However, if the certificate was issued not for a specific citizen, but for the bearer, then it will not be possible to insure or reimburse it. Be sure to consider these nuances when designing valuable papers.

Funds on IP accounts in banks

Until January 1, 2014, all the money available on the debit accounts of private entrepreneurs was not compensated, as were the funds of legal entities. However, if the insured event occurred after January 1, 2014, the entrepreneur has the right to receive his finances back if they do not exceed 1,400,000 rubles. If the entrepreneur had accounts in a banking company opened for an individual and for carrying out activities, they will be compensated in proportion to the deposits, however, the total compensation does not exceed the established maximum amount.

Sum insured on deposits - procedure for obtaining

If the bank's license was revoked, then within the next week, the DIA disseminates information in the media about the agent bank, where you can get the insured deposit amount. Legislation allows a depositor to receive his finances directly from the DIA, but not earlier than 2 weeks after the occurrence of an insured situation. The agent is selected with the presence a large number branches and subdivisions in order to eliminate the hype among the depositors.

The depositor himself or his heir, in the event of the depositor's death, can apply to the DIA or an agent bank to satisfy the requirements. The procedure for obtaining the guaranteed insured deposit amount is as follows:

1. The depositor will find out to which agent bank the insured amounts were transferred.
2. Applies to the branch of this financial structure, having an identity card with him. In some cases, you need to bring the original bank deposit contract. The heirs of the deceased depositor additionally present information about the right to the insured funds.
3. An application is drawn up for receiving the required insured amount and given to the bank representative, who checks the presence of this creditor in the general list in the register of obligations.
4. Payments are made immediately after the request of the depositor in a way convenient for him - in cash or by transfer to the specified account.

To whom the DIA can refuse payments

Some clients are denied compensation payments. Sometimes banks, in order to attract funds from wealthy people, put forward the most attractive conditions for deposits, the initial amount of which exceeds one and a half million rubles. It is clear that the difference between the excess between 1.4 million insured rubles and the amount of the deposit will burn out if the bank stops its work.

To try to avoid such an unpleasant situation, depositors, after the occurrence of an insured event, try to “break” their deposits into several parts, opening new contracts or transferring excess amounts to their relatives. DIA sees fraud in such actions and refuses compensation. To avoid non-payment of compensation, try not to open accounts with your family in the same bank and not transfer any amounts to them.

Video

On January 27, 2005, EUROALLIANCE Bank was included in the register of banks participating in the system of compulsory deposit insurance under number 500.

Deposits are considered insured from the day the bank is included in the register of banks participating in the system. For deposit insurance, the depositor does not need to conclude any agreement with the bank; deposit insurance is carried out in accordance with the Federal Law.

The guarantor of the return of funds to the depositor is the state. As part of the implementation of the Federal Law, the state has specially created the "Deposit Insurance Agency" (hereinafter - the Agency), which returns to the depositor the principal amount of his savings for the bank, instead of the depositor, takes his place in the queue of creditors.

In order to ensure the financial stability of the deposit insurance system, the Government of Russia has been granted the right to allocate funds from the federal budget to the Agency in the event of a shortage of funds from the deposit insurance fund.

Since December 29, 2014, the maximum amount of insurance compensation for deposits has been increased from 700 thousand to 1.4 million rubles.

These changes establish 100% coverage of the deposit amount not exceeding 1.4 million rubles.

The new parameters of the deposit insurance system apply to banks in which an insured event occurred after December 29, 2014. These changes apply to both newly opened and previously opened deposits.

In order to comply with Federal Law No. 117-FZ dated December 23, 2003 “On insurance of deposits in banks of the Russian Federation”, we remind you of the need to timely provide the Bank with information about changes in the following information:

• surnames,
• name,
• patronymic,
• registration addresses,
• postal address,
• type and details of the identity document.

Failure to do so may result in Negative consequences upon the occurrence of an insured event in relation to the bank in which the deposit is placed (in particular, an increase in the time for consideration of the depositor's claim for payment of compensation on deposits, refusal to pay insurance compensation if the Agency fails to identify the depositor's identity).

We inform you that the funds accepted by the Bank for the purpose of making transfers without opening bank accounts are not subject to insurance in accordance with Federal Law N177-FZ dated December 23, 2003 "On insurance of deposits in banks Russian Federation».

On January 1, 2019, amendments to Federal Law No. 177-FZ of December 23, 2003 “On Insurance of Deposits in Banks of the Russian Federation” came into force, according to which the funds of legal entities are subject to insurance,

referred in accordance with the legislation of the Russian Federation to small enterprises that have concluded an agreement with the bank bank deposit or bank account agreement. The criterion for classifying a legal entity as a small enterprise for the purpose of deposit insurance is the availability of information about the belonging of this legal entity to small enterprises in the unified register of small and medium-sized businesses, which is maintained in accordance with Federal Law No. 209-FZ of July 24, 2007 " On the development of small and medium-sized businesses in the Russian Federation”. If the organization has signs of a small enterprise, it is necessary to check the availability of information about it in the unified register of small and medium-sized businesses on the website https://ofd.nalog.ru/index.html. The specified site also provides the opportunity to apply for inclusion in the registry / correction of information if, for some reason, information about the organization is missing or incorrect: https://ofd.nalog.ru/appeal-create.html.

Funds of legal entities for which there is no information about their belonging to small enterprises in the unified register of small and medium-sized businesses, in accordance with the Federal Law of December 23, 2003 N 177-FZ "On Insurance of Deposits in Banks of the Russian Federation" are not insured.

Date: 08/13/2014

The State Corporation "Deposit Insurance Agency" (DIA) conducted an analysis of the development of the retail deposit market in the first half of 2014. The most significant trends are as follows.

Savings activity of the population

In the first half of 2014, the volume of household deposits in banks remained almost unchanged, decreasing by 74.3 billion rubles. (in the first half of 2013 - an increase of 1,389.3 billion rubles) to 16,883.2 billion rubles. In relative terms, the decrease in deposits amounted to 0.4% (in the first half of 2013 - an increase of 9.8%). Specific gravity interest capitalization in the first half of 2014 is estimated at 3.2 p.p.

The volume of savings certificates to bearer in the reporting period decreased by 6.5 billion rubles. (by 1.9%) to 342.4 billion rubles. Thereby Last year investments in this type of uninsured financial instruments have practically ceased to influence the overall dynamics of deposits.

Since the beginning of 2014, the DIA has started insuring the deposits of individual entrepreneurs. Their volume as of July 1 amounted to 193.4 billion rubles. (1.1% of the total amount of deposits of individuals), having decreased since the beginning of the year by 15.1 billion rubles. The amount of insurance liability for them amounted to 105.4 billion rubles. or 54.6% of the total amount of deposits of individual entrepreneurs. The above shows that the structure of their deposits in terms of size generally corresponds to the general market structure of deposits of individuals.

In general, the total volume of insured deposits in the first half of 2014, including deposits of individual entrepreneurs, decreased by 82.5 billion rubles. (by 0.5%) to 16,717.0 billion rubles.

According to the DIA's updated forecast, based on the trends in the deposit market in the first half of the year, the volume of individual deposits in 2014 may increase by 1.2-1.5 trillion rubles. or 7-9%.

Structure of deposits by size

In the first half of 2014, deposits that are closer to the upper limit of insurance compensation grew most rapidly, from 400,000 to 700,000 rubles. - by 12.5% ​​in terms of the volume of deposits and by 11.3% in terms of the number of open accounts. Also, deposits increased from 700 thousand to 1 million rubles. by 2.8% in amount and by 2.9% in number. Deposits over 1 million rubles. remained almost unchanged in terms of volume, and decreased by 2.5% in terms of quantity. Deposits from 100 thousand to 400 thousand rubles. decreased by 1.5% in volume and increased by 0.4% in terms of the number of accounts. Small deposits up to 100 thousand rubles. decreased by 8.1% in terms of volume and by 0.9% in terms of the number of accounts.

According to the results of the first half of the year, the share of deposits exceeded 1 million rubles. decreased from 40.0 to 39.6% in the total volume of household deposits. Deposits from 700 thousand to 1 million rubles. increased from 7.6 to 7.8%, and the share of deposits from 400 thousand to 700 thousand rubles. increased from 16.2 to 18.1%. Deposits from 100 thousand to 400 thousand rubles. reduced their share from 22.8 to 22.3%, and deposits of less than 100 thousand rubles. - from 13.4 to 12.2%.

The average size of a bank deposit as of July 1, 2014 did not change, amounting to RUB 104,000 excluding small and inactive accounts.

Profitability of deposits and its impact on the dynamics of deposits

The results of monitoring interest rates on deposits in the 100 largest retail banks show a smooth increase in the return on deposits. According to the results of the first half of 2014, more than half of the banks (61 out of 100) raised their rates. In 20 banks the rates decreased, in 19 they remained unchanged. At the same time, the growth of deposit profitability occurred evenly in the 1st and 2nd quarters.

The average level of rates (weighted by the volume of deposits) as of July 1, 2014 on ruble annual deposits in the amount of 700 thousand rubles. increased by 0.4 p.p. and is estimated at 7.6% per annum. Average (unweighted) interest rates for annual deposits of 700 thousand rubles. decreased by 0.4 p.p. up to 9.3%.

In general, according to the DIA, due to a certain lack of liquidity, a gradual increase in interest rates on deposits will continue in the near future.

Currency and term structure of deposits

In the first half of 2014, the share of deposits in foreign currency increased from 17.4% at the beginning of the year to 18.9% as of July 1, 2014. foreign currency deposits amounted to 20.3%. However, in the second quarter, due to the strengthening of the ruble, the share of foreign currency deposits declined somewhat.

The share of long-term deposits (over 1 year) in the first half of the year increased from 61.8% to 63.4%, with the main increase occurring in the first quarter. The share of term deposits less than 1 year in the reporting period decreased from 19.3% to 18.5%. The share of demand deposits also decreased from 18.9% to 18.1%. Thus, the population preferred more profitable long-term deposits.

Concentration of deposits

The share of the 30 largest banks in terms of household deposits in the first half of 2014 did not change, amounting to 78.7%. At the same time, the share of Sberbank decreased from 46.7% to 46.3%.

The highest growth rates of deposits were observed in network and "regional" banks - by 3.1% and 3.0% respectively. Deposits in banks of the Moscow region decreased by 3.7%.

DIA insurance liability

The amount of insurance liability of the DIA (potential liability to pay insurance compensation) in the first half of 2014 remained almost unchanged, having increased by 0.2 p.p. up to 65.7% of all deposits. Excluding Sberbank of Russia - increased from 53.0 to 54.6%.