Savings against gifts

In calculating the interest rate on deposits is necessary to consider all the gifts and bonuses that the investor receives, according to the Savings Bank. Since such a "full cost" of deposits more accurately reflects their profitability, the Bank of Russia is its use for administrative restrictions deposit rates. Appropriate proposals Savings sent to the regulator and the government.

Sberbank proposes to introduce the concept of "full cost" deposits, which would include not only the declared interest rate, and all the bonuses and gifts that investors can receive from the bank, the press service of the bank, adding that the proposals have been sent to the government and CB. It was noted by the bank, now at the same rate "full value" of the contribution varies by valuable gifts to investors, and such changes are necessary to evaluate the CB banks were equal. Currently, the Central Bank does not recommend banks to offer returns on deposits higher than the average maximum rate of the ten largest banks in terms of population (based on the first ten days of November it was 9.46%) plus two percentage points, so the maximum current level of interest rates on deposits - 11.46%.

In November, the State Duma plans to consider a bill granting the right to direct the Central Bank to issue instructions to limit the maximum rates on deposits. In addition, now the Ministry of Finance, together with other concerned agencies develop a bill to increase the amount of insurance compensation on deposits from 700 thousand to 1 million rubles. while the introduction of differentiated payments to the Deposit Insurance Fund. According to the draft, banks offering deposits, which yield higher than the rates of the major players by more than 2 percentage points, the fund will pay 40% more than it is now (the current contribution rate - 0.1% for all banks), 3 and more percentage points - a 200% increase (ie 0.3%). However, the financial department - developers of the project - have not decided what to take as a starting point in the calculation of rates of banks for this purpose.

According to experts, the idea of ​​Savings is good but difficult to fulfill. "The idea that the banks to disclose the full amount of interest on deposits, is good, - said deputy director of the Agency for Deposit Insurance Andrei Melnikov. - Investor in this case can compare offers from different banks and choose the best option. However, in order to regulate such full value of the contribution is very difficult to calculate: that, for example, to do, if not officially a gift gives the bank itself, as, for example, his insurance company? Or if the gift is given away on an irregular basis, and under certain conditions? "The Central Bank reported that the proposal had not yet received the Savings Bank and are not prepared to discuss them. Get comments in the government "b" as yet.

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