Presentation on the topic of deposit account. Types of deposits and calculation of savings
The organization of deposit operations must be carried out in compliance with a number of principles: making a profit and creating conditions for making a profit in the future; making a profit and creating conditions for making a profit in the future; flexible policy in managing deposit operations to maintain the bank’s operational liquidity; flexible policy in managing deposit operations to maintain the bank’s operational liquidity; consistency between deposit policy and return on assets; consistency between deposit policy and return on assets; development of banking services in order to attract customers. development of banking services in order to attract customers.
The parties to the bank deposit agreement are: The parties to the bank deposit agreement are: a) The bank as a credit organization that has a license to attract funds to deposits. b) a depositor, which can be either an individual or a legal entity.
Bank deposit agreement Under a bank deposit agreement, one party (the bank), which has accepted the amount of money (deposit) received from the other party (depositor) or received for it, undertakes to return the deposit amount and pay interest on it under the conditions and in the manner prescribed agreement. Under a bank deposit agreement, one party (the bank), which has accepted the amount of money (deposit) received from the other party (depositor) or received for it, undertakes to return the deposit amount and pay interest on it on the terms and in the manner prescribed by the agreement. A bank deposit agreement, in which the depositor is a citizen, is recognized as a public contract (Article 426 of the Civil Code of the Russian Federation). A bank deposit agreement, in which the depositor is a citizen, is recognized as a public contract (Article 426 of the Civil Code of the Russian Federation). The rules on the bank account agreement (Chapter 45 of the Civil Code of the Russian Federation) apply to the relationship between the bank and the depositor on the account to which the deposit is made, unless otherwise provided by the rules of this chapter or follows from the essence of the bank deposit agreement. The rules on the bank account agreement (Chapter 45 of the Civil Code of the Russian Federation) apply to the relationship between the bank and the depositor on the account to which the deposit is made, unless otherwise provided by the rules of this chapter or follows from the essence of the bank deposit agreement. Legal entities do not have the right to transfer funds in deposits to other persons. Legal entities do not have the right to transfer funds in deposits to other persons. The rules of this chapter relating to banks also apply to other credit institutions that accept deposits from legal entities in accordance with the law. The rules of this chapter relating to banks also apply to other credit institutions that accept deposits from legal entities in accordance with the law.
Interest on deposit The bank pays the depositor interest on the deposit amount in the amount determined by the bank deposit agreement. The bank pays the depositor interest on the deposit amount in the amount determined by the bank deposit agreement. If there is no provision in the agreement on the amount of interest to be paid, the bank is obliged to pay interest in the amount determined in accordance with paragraph 1 of Article 809 of the Civil Code of the Russian Federation. If there is no provision in the agreement on the amount of interest to be paid, the bank is obliged to pay interest in the amount determined in accordance with paragraph 1 of Article 809 of the Civil Code of the Russian Federation. Unless otherwise provided by the bank deposit agreement, the bank has the right to change the amount of interest paid on demand deposits. Unless otherwise provided by the bank deposit agreement, the bank has the right to change the amount of interest paid on demand deposits. If the bank reduces the interest rate, the new interest rate is applied to deposits made before informing depositors about the interest reduction, after a month from the date of the corresponding notification, unless otherwise provided by the agreement. If the bank reduces the interest rate, the new interest rate is applied to deposits made before informing depositors about the interest reduction, after a month from the date of the corresponding notification, unless otherwise provided by the agreement. The amount of interest on a deposit made by a citizen, determined by a bank deposit agreement, on the terms of its issuance after a certain period or upon the occurrence of circumstances stipulated by the agreement, cannot be unilaterally reduced by the bank, unless otherwise provided by law. Under an agreement of such a bank deposit concluded by a bank with a legal entity, the amount of interest cannot be unilaterally changed, unless otherwise provided by law or agreement. The amount of interest on a deposit made by a citizen, determined by a bank deposit agreement, on the terms of its issuance after a certain period or upon the occurrence of circumstances stipulated by the agreement, cannot be unilaterally reduced by the bank, unless otherwise provided by law. Under an agreement of such a bank deposit concluded by a bank with a legal entity, the amount of interest cannot be unilaterally changed, unless otherwise provided by law or agreement.
Procedure for calculating interest on a deposit and paying it off Interest on the amount of a bank deposit is accrued from the day following the day it is received by the bank until the day it is returned to the depositor, inclusive, and if it is written off from the depositor’s account for other reasons, until the day it is written off, inclusive. (as amended by Federal Law No. 22-FZ) Interest on the amount of a bank deposit is accrued from the day following the day it is received by the bank until the day it is returned to the depositor, inclusive, and if it is written off from the depositor’s account for other reasons, until the day write-offs inclusive. (as amended by Federal Law No. 22-FZ) Unless otherwise provided by the bank deposit agreement, interest on the amount of the bank deposit is paid to the depositor at his request at the end of each quarter separately from the deposit amount, and interest unclaimed during this period increases the amount of the deposit by which interest is calculated. Unless otherwise provided by the bank deposit agreement, interest on the amount of the bank deposit is paid to the depositor upon his request at the end of each quarter separately from the deposit amount, and interest unclaimed during this period increases the amount of the deposit on which interest is accrued. When the deposit is returned, all interest accrued up to that time is paid. When the deposit is returned, all interest accrued up to that time is paid.
Bank account transactions Crediting incoming funds to the client's account; Crediting incoming funds to the client's account; Debiting certain funds from the client's account. Debiting certain funds from the client's account.
The procedure for mutual settlement between the bank and the client The current legislation does not limit the number of bank accounts opened by the client in any currency (Article 30 of the Federal Law of February 3, 1996 “on banks and banking activities”) The current legislation does not limit the number of bank accounts opened by the client in any currency (Article 30 Federal Law of February 3, 1996 “on banks and banking activities” The bank account agreement is unlimited, although the parties, when concluding it, have the right to stipulate the validity period of this agreement. The bank account agreement is unlimited, although the parties, when concluding it, have the right to stipulate the validity of this agreement. When closing bank accounts of bank clients, interest on attracted funds is accrued up to and including the day (date) of the actual closure or transfer of the account. In this case, the balance in the bank account is determined based on the balance available in the account and the interest credited to the specified account upon its closure. (transfer). When closing bank accounts of bank clients, interest on attracted funds is accrued until the day (date) of the actual closure or transfer of the account, inclusive. In this case, the balance in the bank account is determined based on the balance available on the account and the interest credited to the specified account upon its closure (transfer).
The bank's liability occurs in cases of untimely crediting of funds received to the client's account or their unjustified debiting from the account by the bank, as well as failure to comply with the client's instructions to transfer funds from the account or issue them from the bank account in the form of payment of interest on this amount in the manner and in the amount provided for in Article 395 of the Civil Code of the Russian Federation Occurs in cases of untimely crediting of funds received to the client’s account or their unjustified debiting from the account by the bank, as well as failure to comply with the client’s instructions to transfer funds from the account or issue them from the bank account in the form of payment to this amount of interest in the manner and in the amount provided for in Article 395 of the Civil Code of the Russian Federation
Write-off of funds Indisputably. In undisputed order. Funds are written off from the payer's account by decision of a court of general jurisdiction and an arbitration court on the basis of executive documents, the list of which is established by Art. 7 Federal Law of July 21, 1997 119-FZ “On Enforcement Proceedings”. Funds are written off from the payer's account by decision of a court of general jurisdiction and an arbitration court on the basis of executive documents, the list of which is established by Art. 7 Federal Law of July 21, 1997 119-FZ “On Enforcement Proceedings”. Direct write-off. Direct write-off. The debiting of funds from the payer's account may be provided for by an agreement between the bank and the client, or an additional agreement to it, which specifies which creditor has the right to write off amounts from the debtor without acceptance and for what products. The debiting of funds from the payer's account may be provided for by an agreement between the bank and the client, or an additional agreement to it, which specifies which creditor has the right to write off amounts from the debtor without acceptance and for what products.
Suspension of transactions on an account is defined by the Tax Code of the Russian Federation as one of the ways to ensure the fulfillment of the obligation to pay taxes and fees. It is defined by the Tax Code of the Russian Federation as one of the ways to ensure the fulfillment of the obligation to pay taxes and fees. Suspension of transactions on the accounts of a taxpayer-organization in a bank means the bank ceases all transactions on this account. Suspension of transactions on the accounts of a taxpayer-organization in a bank means the bank ceases all transactions on this account. The decision to suspend transactions on the bank account of a taxpayer organization is made by the head of the tax authority who sent the demand for tax payment in the event that the taxpayer organization fails to fulfill its obligation to pay the tax within the established time frame. The decision to suspend transactions on the bank account of a taxpayer organization is made by the head of the tax authority who sent the demand for tax payment in the event that the taxpayer organization fails to fulfill its obligation to pay the tax within the established time frame.
Banking secrecy 1. The bank guarantees the secrecy of the bank account and bank deposit, account transactions and client information. 1. The bank guarantees the secrecy of the bank account and bank deposit, account transactions and client information. 2. Information constituting bank secrecy can only be provided to the clients themselves or their representatives, and also submitted to the credit history bureau on the grounds and in the manner prescribed by law. Such information can be provided to government bodies and their officials only in cases and in the manner prescribed by law. (Clause 2 as amended by Federal Law No. 219-FZ) 2. Information constituting bank secrecy can only be provided to the clients themselves or their representatives, and also submitted to the credit history bureau on the grounds and in the manner prescribed by law. Such information may be provided to government bodies and their officials only in cases and in the manner prescribed by law. (Clause 2 as amended by Federal Law No. 219-FZ) 3. In the event of a bank disclosing information constituting a bank secret, the client, whose rights have been violated has the right to demand compensation from the bank for losses caused. 3. If the bank discloses information constituting a bank secret, the client whose rights have been violated has the right to demand compensation from the bank for the losses caused.
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Perhaps every person has thought about increasing their capital by saving in a bank. We decided to demonstrate the possibilities of obtaining real benefits through investments in a bank, and we will also tell you how to choose the right bank and deposit.
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Target:
In our work, we set ourselves the task of understanding the work with bank deposits, the main task of which is to receive a percentage of profit from the amount deposited in the bank for storage for a certain period. To do this, we will analyze how an individual works with banking deposit systems, we will show how to correctly calculate the exact profit from your deposit and what should be done to receive a permanent income, while taking into account inflation and deflation of the currency in which you work with the bank.
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Types of main deposits:
There are several criteria by which bank deposits are classified into types and subtypes. Deposits may differ in such parameters as terms of placement, purpose of banking products, functionality, as well as currency.
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Deposit on demand
Deposit on demand. Under such an agreement, the credit institution undertakes to return the invested funds at any time upon the client’s first request. But with such a significant plus, the deposit may also have a significant minus. The interest rate on the deposit may be minimal (1% - 3%), so there may not be significant revenue compared to other deposits.
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Time deposit
Time deposit. Such deposits are placed for a certain period specified in the agreement. The most common deposits are for one, three, six months or one year. In order to receive the full interest rate, which in the summer of 2012 reaches 10-12% per annum, it is necessary to keep the money in deposit for the entire term of the agreement. Otherwise, the bank will return the deposit, but with a significantly reduced interest rate - usually at the level of the rate on demand deposits.
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Time deposits can, in turn, be divided into separate subtypes according to their purpose: savings, savings or settlement. The simplest of them is savings. For such a deposit, replenishment and partial withdrawal operations are prohibited. Savings deposits typically have the highest rates. Savings deposits are designed for those who would like to replenish the deposit during the term of the agreement. They are intended for those who would like to save up some large amount (for example, for an expensive purchase). A settlement deposit allows the client to maintain, to one degree or another, control over his funds, manage his savings by making incoming or outgoing transactions. Another name for this type of deposit is universal deposits. Current deposits can also be either expense-replenishable or expendable.
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Deposit for individuals
The deposit for individuals is intended for ordinary citizens. Such deposits are protected by the deposit insurance system.
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Deposit for legal entities
Deposit for legal entities is a type of deposit designed for organizations. With its help, companies place temporarily free funds. By agreement between the bank and the legal entity, early withdrawal of funds from the deposit may be prohibited, and this does not contradict current legislation. In addition, deposits of legal entities are not subject to the deposit insurance system
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As a result, we can safely assume that the most profitable deposits are savings and savings. A savings deposit has a high interest rate, so the depositor will receive a stable income from his investment in the bank. But in a savings deposit, you can constantly increase the initial investment amount, thereby increasing your monthly profit, and if necessary, you can withdraw the required amount from the account. But such a deposit has a lower interest rate and duration than a savings deposit.
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To find out in what specific situation a particular deposit will be profitable, consider examples with the most popular banks in Russia, which also guarantee security with high interest rates. Such banks are: Sberbank, VTB24, Moscow Industrial Bank.
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Bank "Sberbank"
Deposit “Save” Deposit “Manage”
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Bank "VTB24"
Deposit “Profitable” Deposit “Accumulative”
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Bank "MIB"
Deposit “Classic” Deposit “Cumulative”
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As we can see, among all deposits, deposits in the ruble equivalent of the Moscow Industrial Bank are undoubtedly in the lead. However, we should not forget about the impact of inflation on the amount we deposit. Let's figure out in which currency it is more profitable for us to make a deposit, taking the highest indicators of accumulated amounts in foreign currency among savings and savings deposits. Let’s transfer the money back into the ruble equivalent, assuming that we made the deposit in 2014 and withdraw the money in 2015. At the same time, we will need to know the inflation rate of each currency over these years in order to calculate how the value of one currency has changed relative to another.
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Table of inflation of various currencies for 2014-2015
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It should be recalled that we can also call negative inflation the term “deflation”, in other words, this currency strengthens in the commodity turnover market.
The benefit converted into rubles can be calculated using the formula: where S is the amount of income, P is the accumulated amount in foreign currency, n is the ratio of foreign currency to the ruble, i is an indicator of how many times the ruble has depreciated relative to another currency. For the ruble-to-dollar ratio, for the ruble-to-euro
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Cumulative deposit: Benefit in dollars ($), converted into rubles at the new rate will be: Cumulative deposit, VTB24 Bank Let's summarize our calculations: in Russian banks it is more profitable to make deposits in euros to receive a larger amount of money.
As you can see in the above “table of inflation of various currencies for 2014-2015”, the dollar and euro did not lose their value during this period, that is, the same product costs approximately the same amount of euros or dollars after the end of the year, while in rubles its value increased by more than 10%. To clearly see this, let's give the following example
Slide 22
At the beginning of 2014, three citizens wanted to buy a new Mitsubishi SUV for exactly 2 million rubles, but one of them had only rubles (2 million rubles), the second only had American dollars ($35,200), and the third only had euros ( 32310€). The showroom where the cars are sold accepts all types of currencies and also states that the value of the car will be kept in line with the value of the hard currency. All three citizens decided to make deposits the size of the current cost of an SUV for a year, each made a deposit in the bank on the best terms for their currency, so that after the purchase he would have as much money left in rubles as possible. Which of them will make a more profitable purchase?
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In this situation, it would be best to choose a savings type deposit, naturally, for one year, since this is required by the condition of the problem. Then, referring to the above calculations of the most profitable deposit, a citizen with rubles in a year will have 2,291,420 rubles, a citizen with dollars will have $36,616, and a citizen with euros will have €33,576. Now you need to determine the value of the car relative to each currency after a year.
Let's calculate using the following formula: , where is the initial price of the car, is the price of the car in a year, is currency inflation for the year (in%). ,
Slide 24
For the ruble: For the dollar: For the euro: After making a purchase, citizens will have: 1) 2) 3) Answer: The greatest benefit will be received by a citizen who bought a car for euros
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The work was completed by a 10th grade student Pyotr Bogaevsky Supervisor: mathematics teacher of the first qualification category Natalya Yuryevna Boroda
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Purpose of the work: development of an economic way of thinking - the ability to use the apparatus of mathematics and economics to analyze specific economic phenomena and processes. Objectives: conduct a study of the demand for bank deposits among the population of Zaitsev; study methods of calculating interest on deposits and consider their application in solving practical problems.
3 slide
Banks and their functions A bank is a financial organization that produces, stores, distributes, exchanges and controls money and securities. Bank functions: mobilization, lending, organization of settlements, creation of new forms of money Margin is bank profit. Deposits Loans Margin State Bank (depending on the form of ownership) Municipal Joint Stock Mixed Interstate
5 slide
The terms of its replenishment and return with accrued interest are specified. The size and duration are not limited; more than two-thirds of all savings of the population are stored.
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Basic conditions of the deposit The amount of the deposit the initial amount of the deposit the amount of additional contributions is a bank secret it is the property of the depositor
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The North Caucasus Bank of Sberbank of Russia offers the following types of deposits: “Deposit of Sberbank of Russia” (in rubles, dollars, euros) “Replenishable deposit of Sberbank of Russia” (in rubles, dollars, euros) “Special Sberbank of Russia” in rubles, dollars, euros) “Pension replenishable deposit of Sberbank of Russia” (in rubles) “Pension deposit of Sberbank of Russia” (in rubles) “Pension-plus deposit of Sberbank of Russia” (in rubles) “Universal deposit of Sberbank of Russia” in rubles, dollars, euros) “Salary deposit of Sberbank of Russia” (in rubles) “On demand from Sberbank of Russia”
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Survey results Preferred terms of deposits Preferred forms of savings
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Calculation of interest on deposits Interest can be accrued at the end of the deposit period periodically or 1. Simple interest formula 2. Compound interest formula Accrued amount using simple and compound interest, income is calculated from the initial investment amount, regardless of the investment period. the accumulated amount of interest is added to the deposit at the end of the next accrual period.
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Conclusions Modern banking practice is characterized by a wide variety of deposits and deposit accounts. Against the background of a fairly high level of knowledge of the population about bank deposits, there is a low level of use of these services. The main reason why village residents refuse deposits in banks is the low level of well-being of a large part of the population, which does not allow them to have some free funds necessary to open a deposit. To calculate interest using formulas, you need to know the parameters for investing funds in a deposit account. In order to receive a stable and high income and at the same time not close the bank deposit ahead of schedule, it makes sense to pay attention to time deposits in rubles. To get a big profit, while being able to withdraw money from the deposit at any time, or simply not keep cash at home, it is advisable to use a demand deposit. In commercial and financial calculations, many branches of modern mathematics are used: methods of mathematical analysis, probability theory, mathematical statistics and others.
Identification of individualsOpening a deposit account
Open a deposit in rubles in Sberbank of Russia and
foreign currency can:
the investor himself
contributor
confidant
conscientious representative
5
Identification of individuals
The bank is obliged to identifyindividual carrying out
operations on accounts and deposits.
Identification of individuals
occurs upon presentation by the client
identification document, and
also, if desired, the client can
fill out the FATCA form.
Identity documents
must be valid on their date
submissions and are provided
only in the original.
(Federal Law dated August 7, 2001 No. 115-FZ
“On combating the legalization (laundering) of proceeds from crime
by, and financing of terrorism")
6
Identification of individuals
Residents1. Citizens of the Russian Federation with the exception of citizens of the Russian Federation recognized
permanently residing in a foreign country
in accordance with the legislation of this state
2. Foreign citizens (stateless persons),
permanently residing in the Russian Federation on the basis of a permit
residence provided for by the legislation of the Russian Federation
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Identification of individuals
Non-residents1. Foreign citizens (stateless persons)
with the exception of those recognized as permanent residents
in the Russian Federation on the basis of a residence permit
1. Citizens of the Russian Federation recognized as permanent residents
outside the Russian Federation, in a foreign country
in accordance with the legislation of this
states
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Identification of individuals
CITIZENS OF THE RUSSIAN FEDERATION1. Passport of a citizen of the Russian Federation
2. General international passport
3. seaman's passport
4. Military personnel identification card - for officers,
warrant officers, midshipmen of the Armed Forces of the Russian Federation
5. Military ID - for soldiers, sailors, sergeants and foremen,
undergoing military service by conscription or contract
6. Temporary identity card of a citizen of the Russian Federation, issued
by the internal affairs body before issuing a passport
7. Birth certificate issued by the Civil Registry Office, authority
Executive power or local government, others
authorized body (up to 14 years old)
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Identification of individuals
FOREIGN CITIZENS1. National passport
2. Other document established by federal law or
recognized in accordance with the international treaty of the Russian Federation
as an identification document of a foreigner
citizen
3. Certificate of provision of temporary asylum for
territory of the Russian Federation - for the person who applied for the provision
temporary asylum on the territory of the Russian Federation.
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Identification of individuals
STATELESS PERSONS1. a residence permit in the Russian Federation confirms the right
for permanent residence in the Russian Federation (period - 5 years, issued to persons
over 14 years old)
2. temporary residence permit in the Russian Federation (valid for 3 years, issued
persons over 14 years old)
3. document issued by a foreign state and recognized
in accordance with the international treaty of the Russian Federation as
identity document of a stateless person
4. other documents provided for by federal laws or
recognized in accordance with the international treaty of the Russian Federation
as documents proving the identity of a person without
citizenship
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Identification of individuals
FOREIGN CITIZENS AND STATELESS PERSONS RECOGNIZED ININ COMPLIANCE WITH THE LEGISLATION OF THE RF REFUGEES
1. certificate of consideration of an application for recognition of a person
a refugee in essence, issued by a diplomatic or consular
institution of the Russian Federation or immigration control post or
territorial body of the federal executive power
by the Migration Service (issued for the period of consideration of the application)
2. refugee certificate (issued for a period of up to 3 years and renewable
for each subsequent year)
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Deposit insurance
Deposit insurance
Deposits of individuals in Sberbank of Russia,with the exception of bearer deposits,
insured in the manner, amount and terms,
established by Federal Law
dated December 23, 2003 No. 177-FZ
“On insurance of deposits of individuals in banks
Russian Federation"
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Deposit insurance
Insured event (Article 8, Federal Law No. 177)An insured event is one of the following
circumstances:
1. Revocation (cancellation) of the bank’s license from the Bank of Russia to
carrying out banking operations
2. Introduction by the Bank of Russia of a moratorium on satisfaction
bank creditors' claims
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Deposit insurance
Amount of compensation for deposits(Article 11 of Federal Law No. 177)
From December 30, 2014
100% ∑ deposits
in total no more than
RUB 1,400,000
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Management of deposits
MANAGEMENT OF DEPOSITSAN AGE OF AGE DEPOSITOR
COMPETENT
investor
INCOMPATIBLE
investor
LIMITED
COMPETENT
investor
PATRONAGE
The investor himself
Investor's authorized representative
(adult)
Guardian with prior permission
guardianship authorities
Authorized representative with written permission
guardianship authority, regardless of
transaction amount
Investor with written permission
trustee, as well as preliminary
permission from the guardianship and trusteeship authority.
Trustee with written permission
guardianship authority independently
from the transaction amount.
Investor
Adult Assistant
capable citizen, with
availability of appropriate
powers of attorney.
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Management of deposits
MANAGEMENT OF DEPOSITS OF A MINOR DEPOSITORDepositor category
Who
disposes of
Parent
(adoptive parent)
Introduced from
passport and
passbook documents
Additionally
represented
documents on
expense transaction
Certificate of
birth of a child
Transfer/write off money
funds from the child’s deposit
for another contribution of the same
baby
in Sberbank or
Certificate
And
agreement
Adoptive parent
another credit institution
The decision of the guardianship authority is possible without limiting the amount
Guardian
and WITHOUT PERMISSION from the authority
guardianship
guardianship and trusteeship
Confidant
Investor
Power of attorney
Pension, benefits,
alimony, insurance
payments,
inheritance amounts,
funds received
from third parties
Transfer/write off money
funds from the child’s deposit
for another contribution of the same
minor WITHOUT
PERMISSIONS from the guardianship authority and
guardianship, but
availability of consent
parents/guardians
regardless of the amount
operations.
Salary, stipend, bonus for winning
Olympics, unemployment benefits, %
contribution, material support, funds,
received from the investor himself
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The procedure for paying out a deposit after the death of the depositor
TESTAMENTARY DISPOSALdrawn up by the investor:
In VSP
at the place where the account is kept
by deposit or in any
friend VSP within
“Green Street” services
(subject to availability of technical
possibilities)
At a notary or
person possessing
powers
notary
21A WILL can be issued to:
1. Legal entity
2. One or more citizens (including and not
included in the circle of heirs by law)
3. State
4. Subject of the Russian Federation, municipal formation,
foreign state, international
organization
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The procedure for paying out a deposit after the death of the depositor
PAYMENT OF DEPOSITS AFTER THE DEATH OF THE DEPOSITORWILL (TESTAMENTARY DISPOSAL) ISSUED
UNTIL MARCH 1, 2002
MARCH 1, 2002 AND
LATER
DEPOSIT IS FREE
FROM WILL
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Receiving funds from the deposit. Power of attorney for deposits.
Powers of attorney for deposits“Green Street” service – access possibility
divisions to a centralized database (in
one VSP can see accounts opened in another
VSP), i.e. makes it possible regardless of location
opening an account and performing deposit transactions.
The Green Street service is implemented in all 16
Territorial Banks.
Powers of attorney for deposits
The power of attorney is issued by the investor:In VSP
(f.322)
at the place where the deposit account is maintained
No commission charged
Outside the Bank
Local
work or study
In stationary
medicinal
institution
At the notary
(a person who has
powers
notary)
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Powers of attorney for deposits
Duration of the power of attorneyArt. 186 Civil Code of the Russian Federation
1. Cannot exceed 3 years, if registered in
jar according to f. 322
2. If the term is not specified in the power of attorney, it remains valid
within a year from the date of its commission
3. A power of attorney that does not indicate the date of its preparation,
is void and will not be accepted for execution.
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Powers of attorney for deposits
Termination of power of attorneyArt. 188 Civil Code of the Russian Federation
Expiration of the power of attorney
Cancellation of power of attorney by investor
Death of the investor (trustee)
Recognition of the investor (trustee) as incapacitated,
limited capacity or missing
Refusal of the authorized person
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The procedure for processing documents in case of loss of a savings book.
Procedure for completing documents in case of loss of a savings book
LOSS OF SAVINGS BOOKWRITTEN
STATEMENT
SBERBANK SYSTEM
ONLINE
Through the Sberbank system
any VSP of any branch
It is possible to apply online
in the presence of
about the loss of a passbook. On
account numbers or
based on this
VSP numbers, names
statements will be
locality where it is open
suspended
account, and type of deposit when
cash expenses
availability of document
account transactions.
identification document
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Issuance of certificates of deposits, their search, imposition and removal of arrest.
Issuance of certificates of deposits, their search, imposition and removal of arrest
Statement certificatecontribution
Contains information
about the balance of funds for
deposit account on
specific date
Extract from the facial
deposit accounts
Contains information
by transactions and balance
funds on the deposit account
to the beginning and end
period
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Issuance of certificates of deposits, their search, seizure and removal, confiscation of deposits
ARRESTMoney held in citizens' deposits may be seized
be imposed on the basis of:
1. Documents coming from an arbitration court or a court of general jurisdiction
(decrees, rulings of the court (judge), etc.);
2. Resolutions of the bailiff.
REMOVAL OF ARREST
Produced on the basis of the following documents on the lifting of the arrest:
1. Documents coming from the arbitration court or general court
jurisdiction;
2. Resolutions, determinations of the person or body in whose proceedings
there is a criminal case pending;
3. Resolutions of the bailiff
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The procedure for calculating and accruing interest
INCOME ON DEPOSIT IS ACCRUED1. For amounts of rubles and kopecks
2. Daily programmatically
3. For the balance of the deposit at the beginning of the operating day
4. From the day following the day the amount was received by the bank, until
the day of its return inclusive
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The procedure for calculating and accruing interest
Determination of the tax base when receiving income inin the form of interest on bank deposits
Defined as the excess amount of interest
accrued under the agreement,
over the amount of interest calculated:
for ruble deposits - based on the rate
refinancing of the Central Bank, increased by 10 percentage points.
for deposits in foreign currency - based on 9%
per annum
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Long order (form 190)
Long order f.190
Long order (form 190) – payment for services by debiting fundsfrom the account based on the client’s application
1. It is issued in VSP only at the place of maintaining the account from which it will be
write-off occurs
2. The client does not waste his time visiting the Bank and filling out
payment orders
3.Payments are transferred on time within the specified time frame.
4.On the client’s instructions, the Bank itself adjusts the amount of payment when
changes in tariffs for the service (if there are relevant contractual
relationship with the recipient organization)
5.When visiting the Bank, the client can receive confirmation of
transfer of payment amounts
38
Current deposits
Features of different types of depositsDEPOSITS OF SBERBANK OF RUSSIA
"Save"
"Replenish"
"Manage"
"Multicurrency Sberbank of Russia"
"Gift a life"
"Pension Plus of Sberbank of Russia"
"Universal of Sberbank of Russia"
"Poste restante"
"International"
February 2011
40savings account
A savings account is a convenient account for
making both expenses and receipts
account transactions in cash and
non-cash.
Currency: rubles, US dollars, euros
Duration: indefinitely
Minimum amount: unlimited
Replenishment: any
Withdrawal: any
Interest accrual: monthly
41
Section “Deposits” in the Sberbank Online system
Section "Deposits"43
Compensation for deposits
Grounds for payment of monetary compensation
Regulatory actsFederal Law No. 73-FZ of May 10, 1995
“On the restoration and protection of savings
citizens of the Russian Federation"
Public funds deposited
in deposits in Sberbank of Russia in the period until June 20, 1991,
recognized as the state internal debt of the Russian Federation
50
The right to receive compensation payments is granted to Citizens of the Russian Federation:
Amount of compensation paymentsRight to receive compensation payments
provided to Citizens of the Russian Federation:
Up to and including 1945 year of birth – payment is made
compensation in the amount of three times the balance of deposits
as of June 20, 1991
From 1946 to 1991 years of birth - payment is made
compensation in the amount of double the balance of deposits
as of June 20, 1991
The amount of 3-fold and 2-fold compensation is determined by
formula:
or
where Ov is the balance of the deposit as of June 20, 1991,
Kk - compensation coefficient,
2 or 3 – compensation factor
Rk is the amount of previously received compensation.
51Amount of compensation payments
The amount of compensation depends on the storage period
contribution and is determined using the following
coefficients:
Coefficient Year of closing the deposit
T
1
for deposits currently valid, and
also for deposits valid in 1992 - 2014
and closed in 1996 - 2014
0,9
for deposits valid in 1992 - 1994 and
closed in 1995
0,8
for deposits valid in 1992 - 1993 and
closed in 1994
0,7
for deposits active in 1992 and closed in
1993
0,6
for deposits closed in 1992
52
Example of compensation calculation.
Investor born in 1945. The deposit was opened in 1990.As of June 20, 1991, the deposit amount was 1000
rubles The deposit was closed in 1994. Earlier compensation
didn't receive it. Calculate compensation.
1000×0.8×3-0=2400 rubles
53
Compensation for funeral services
Right to compensation for paymentfuneral services in the amount of up to 6 thousand rubles. have:
heirs of the investor (regardless of citizenship, age
depositor, age of the heir and priority
testator),
individuals who paid for funeral services
(before the expiration of 6 months from the date of death of the depositor).
Payment of compensation for funeral expenses
services are provided:
in case of death of the investor during the period 2001-2015.
if the investor on the day of death was a citizen of the Russian Federation
Attention!!! If the deposit is closed from 06/20/1991 to
12/31/1991, then compensation for funeral services
paid!
55Compensation for funeral services
The amount of compensation for funeral services depends on
balance of the deposit as of June 20, 1991. and is determined
in the following way:
Deposit amount for
06/20/1991
equal to or greater
400 rubles:
6,000 rubles
Deposit amount for
06/20/1991
less than 400
rubles:
Deposit amount as of June 20, 1991
multiplied by a coefficient
15.
When determining the amount of compensation for funeral services
Balances of all deposits as of June 20, 1991 are taken into account.
a deceased depositor in one branch of Sberbank. Thank you for your attention!
Your consultations shape
image of the Bank and opinion about
professionalism
employees!
Be precise and friendly!
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Slide captions:
DEPOSITS of individuals teacher: Zenkevich T.I.
Deposits of individuals Department for work with VSP DOROiP CA Deposits of individuals of Sberbank are storage of savings in a reliable Bank with the possibility of receiving income.
General description. Department for work with VSP DOROiP CA Today Our Bank offers one of the most interesting lines of Deposits for individuals with the most convenient and profitable options for clients. So, Deposits have two main types: Two types of deposits Deposits Time deposits Deposits - for creating short-term and long-term savings and generating income Deposits - for daily use - making payments, transfers Demand deposits
General description. Department for work with VSP DOROiP CA Time deposits have three important criteria: With the possibility of replenishment Without replenishment and withdrawal With the possibility of replenishment and partial withdrawal
Deposits. Distribution of Deposits according to criteria. Department for work with VSP DOROiP CA Term deposits criteria for the names of deposits With the possibility of replenishment and partial withdrawal With the possibility of replenishment “Save” “Give life” - participation in the charity program “Replenish” “Multi-currency” one account in three currencies - rubles, euros, dollars USA “Manage” “On demand” “Pension +” “Universal” No replenishment or withdrawal Demand deposits
Summary table of the main conditions Vladov.
Advantages of Vladov Sberbank. Department for work with VSP DOROiP CA The easiest choice of deposit - whether you plan to replenish or withdraw part of the Deposit There is no need to worry about the safety of the deposit and the reliability of the Bank. Preservation and increase of savings in the most reliable Bank For many deposits, preferential rates for early termination of the deposit Possibility to carry out deposit transactions in any branch of the city where the deposit is registered Possibility to use Mobile Bank on the deposit
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