How much deposit is insured by the state per year? Deposit insurance amount. Prerequisites for increasing deposit insurance coverage

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 its license, the depositor will receive a refund of the full amount of the deposit. But no more than the limit determined by the same law. Let us remind you what amount is insured by the state for bank deposits in 2020, in what cases and how compensation is paid.

What deposit amount is insured in 2020

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

This maximum amount valid from December 29, 2014. Before this date, the maximum insurance amount was half as low – 700 thousand rubles. And once upon a time 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 open at once in the same bank, compensation for all of them in total cannot exceed the limit of 1.4 million rubles.

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

Interest accrues in this case until the day preceding the day the bank’s license was revoked. 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 in escrow accounts subject to insurance?

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

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

Let us remind you that escrow accounts can be opened in Russia for settlements under real estate purchase and sale transactions, as well as under participation agreements in shared construction. Neither the seller nor the buyer of the home can withdraw money from the account until the finished property is transferred to the buyer.

This feature of the account is a certain 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 simply changes his mind about buying the property.

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

What is an insured event under the deposit insurance law?

These are two possible situations:

1. if the Bank of Russia revoked (cancelled) the bank’s license,
2. if the Bank of Russia has introduced a moratorium on satisfying the claims of the bank’s creditors.

How insurance compensation is paid to depositors in 2020

Standard practice is as follows. After the revocation of a bank’s license, the Central Bank holds a competition between other credit organizations to select the payment operator bank insurance compensation. The designated operator is announced in the press and on the website of the Deposit Insurance Agency -.

14 days after the bank’s license is revoked, its depositors begin to receive compensation under 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 section on the DIA website. You can also get a free consultation hotline DIA – 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 has been no movement. The initiative remained an initiative. But December 2014 forced us to quickly consider and approve this initiative 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 for depositors who have more than 1 million rubles in ruble accounts. It is worth noting that individuals with foreign currency deposits have recently “become rich” twice in ruble equivalent simply due to the fall national currency. Therefore, the outflow of such deposits can be compensated by the growth insurance coverage. Those. if in July a deposit of $20 thousand in ruble equivalent was approximately 700 thousand rubles, now $20 thousand is about 1-1.4 million rubles.

However, the bill must still be approved by the Federation Council and signed by the President, with which there will probably be no problems.

Prerequisites for increasing deposit insurance coverage

A drop in oil prices, an unfavorable macroeconomic situation, essentially a gradual dragging of the country into war, sanctions, a significant drop in currency prices and, finally, a sharp increase key rate The Central Bank led to the fact that financial markets The panic began.

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

Will the DIA hold up?

When making a decision to increase the amount of compensation, naturally, no one took into account the real capabilities of the DIA to service the new amount of insurance coverage. At the end of December size reserve fund DIA (Deposit Insurance Agency) is just over 74 billion rubles. At the same time, quite recently, the ROST banking group was on the verge of revoking its license, and significant problems were also observed in TRUST Bank. Both of them were sent for rehabilitation, 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, it is likely that the “hole” (the gap between assets and liabilities) will 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 resources are 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 already be prohibitive.

Date: 08/13/2014

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

Saving activity of the population

In the first half of 2014, the volume of household funds 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%). The share of interest capitalization in the first half of 2014 is estimated at 3.2 percentage points.

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

Since the beginning of 2014, the DIA began insuring deposits individual entrepreneurs. Their volume as of July 1 amounted to 193.4 billion rubles. (1.1% total amount 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. This shows that the structure of their deposits in 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 RUB 16,717.0 billion.

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

Structure of deposits by size

In the first half of 2014, the fastest growing rates were deposits located closer to the upper limit of insurance compensation, from 400 thousand to 700 thousand rubles. - by 12.5% ​​in terms of deposits and by 11.3% in terms of quantity open accounts. Deposits also increased from 700 thousand to 1 million rubles. by 2.8% in amount and by 2.9% in quantity. Deposits over 1 million rubles. in terms of volume they remained almost unchanged, but in terms of quantity they decreased by 2.5%. Deposits from 100 thousand to 400 thousand rubles. decreased by 1.5% in volume and increased by 0.4% in the number of accounts. Small deposits up to 100 thousand rubles. decreased by 8.1% in volume and by 0.9% in the number of accounts.

Based on the results of the first half of the year, the share of deposits exceeding 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 less than 100 thousand rubles. - from 13.4 to 12.2%.

The average size bank deposit as of July 1, 2014, did not change, amounting to 104 thousand rubles minus small and inactive accounts.

Return on deposits and its impact on the dynamics of deposits

Monitoring results interest rates by deposits in the 100 largest retail banks indicate a smooth increase in the profitability of deposits. At the end of the first half of 2014, more than half of the banks (61 out of 100) increased rates. In 20 banks, rates decreased, in 19 they remained unchanged. At the same time, the growth in deposit yields occurred evenly in the first and second quarters.

The average level of rates (weighted by the volume of deposits) as of July 1, 2014 for 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 volume of 700 thousand rubles. decreased by 0.4 p.p. up to 9.3%.

In general, according to DIA estimates, due to a certain liquidity shortage, 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. At the same time, according to the results of the first quarter, due to the weakening of the ruble exchange rate and the influx of deposits in foreign currency, the share 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 decreased slightly.

Share long time deposits(over 1 year) in the first half of the year increased from 61.8 to 63.4%, with the main growth occurring in the first quarter. Share of time deposits less than 1 year in 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 by volume of household deposits in the first half of 2014 did not change, amounting to 78.7%. At the same time, Sberbank's share 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 in the Moscow region decreased by 3.7%.

DIA insurance liability

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