State Corporation Deposit Insurance Agency. Reviews about "deposit insurance agency"

Compulsory deposit insurance system (CIS)- a special state program implemented in accordance with federal law dated December 23, 2003 No. 177-FZ “On insurance of deposits in banks Russian Federation».

The main objectives of the CER are:

protection of the rights and legitimate interests of depositors of Russian banks;
strengthening confidence in the banking system of the Russian Federation and stimulating the attraction Money v banking system Russian Federation.

The State Corporation "Deposit Insurance Agency" (hereinafter referred to as the Agency) was established to ensure the functioning of the DIS and, first of all, to ensure the payment of compensation on deposits in banks participating in the DIS in the event of insured event.

Operation of the mandatory deposit insurance system

Participation in DIS is mandatory for all banks that have the right to work with deposits of individuals. Deposits are considered insured from the day the bank is included in the register of banks participating in the DIS. The current list of banks participating in the DIS is published on the official website of the Agency in the information and telecommunications network "Internet"

Currently, depositors of 749 (as of March 28, 2019) banks participating in the deposit insurance system are protected by DIS, including:

operating banks licensed to work with individuals - 392;
operating credit institutions that previously accepted deposits, but lost the right to attract funds from individuals -6;
banks in the process of liquidation - 351.

The funds of depositors who have concluded an agreement with the bank are subject to insurance bank deposit or a bank account agreement, including deposits certified by savings certificates.

In accordance with federal law, investors include:

individuals - citizens of the Russian Federation, foreign citizen, a stateless person;
individuals - individual entrepreneurs (IP);
legal entities classified in accordance with legislation of the Russian Federation to small enterprises, information about which is contained in the leading Federal Tax Service of Russia single register small and medium enterprises (SMEs).

The following funds are not subject to insurance:

placed on bank accounts (in deposits) of lawyers, notaries and other persons, if such bank accounts (deposits) are opened in connection with professional activities;
placed in bank deposits, the introduction of which is certified by certificates of deposit;
transferred to banks trust management;
placed on deposits in branches of banks of the Russian Federation located outside the territory of the Russian Federation;
being electronic money;
placed on nominal accounts, with the exception of individual nominal accounts that are opened by guardians or trustees in favor of wards;
placed on collateral accounts;
placed in subordinated deposits;
placed by or in favor of legal entities, with the exception of funds placed by or in favor of small enterprises.

The depositor's right to compensation for deposits arises upon the occurrence of an insured event.

An insured event is one of the following events:

1) revocation (cancellation) by the Bank of Russia of the bank's license to carry out banking operations; 2) introduction by the Bank of Russia in accordance with legislation the Russian Federation a moratorium on meeting the requirements of the bank's creditors. An insured event is considered to have occurred from the day the license of the Bank of Russia was revoked (cancelled) from the bank or from the day a moratorium was introduced on satisfying the claims of the bank's creditors.

Informing by the Agency of depositors about the occurrence of an insured event

Information about the occurrence of an insured event against a bank is published on the official website of the Bank of Russia and on the official website of the Agency on the Internet, as well as in the mass media. The Agency, within 5 working days from the date of receipt from the bank in respect of which the insured event occurred, the register of the bank's obligations to depositors, shall be posted on the official website of the Agency in the information and telecommunications network "Internet" and sent to this bank, as well as to the Bank of Russia for placement on its official website in the information and telecommunications network "Internet" and in the periodical printed publication at the location of this bank a message containing information about the place, time, form and procedure for accepting applications from depositors for payment of compensation on deposits. In addition, within 1 month from the date of receipt from the bank of the register of the bank's obligations to depositors, the Agency also sends a corresponding message to each depositor of this bank, the data on which is contained in the register and to which, as of the date of sending this message, the bank has obligations on deposits.

All this information can be obtained by the depositor by phone. hotline Agencies (8-800-200-08-05) (calls within Russia are free).

The depositor can also subscribe to news about the bank of interest to him on the official website of the Agency on the Internet. In this case, the depositor will be automatically sent to the e-mail address specified by him when subscribing the news posted on the Agency's website in the "Deposit insurance/Insured events" section for this bank.

The size insurance compensation

The amount of compensation payable on deposits is determined on the basis of the amount of the bank's obligations to the depositor insured in accordance with the federal law.

Reimbursement on deposits is paid by the Agency to the depositor of the bank in the amount of 100 percent of the amount of all his deposits, including interest, but not more than 1.4 million rubles. In total.

On escrow accounts opened for settlements under a purchase and sale transaction real estate and for settlements under the participation agreement in shared construction, maximum size insurance compensation is equal to 10 million rubles. The reimbursement for escrow accounts is calculated and paid separately from the reimbursement for other deposits.

Interest is calculated on the date of occurrence of the insured event based on the terms of each specific bank deposit (account) agreement.

For bank deposits denominated in foreign currency, the amount of compensation is calculated in the currency of the Russian Federation at the exchange rate established by the Bank of Russia on the day of the insured event.

The amounts of the bank's counterclaims against the depositor (for example, on a loan taken by the depositor in the same bank) are deducted from the amount of deposits when calculating the compensation paid by the Agency. At the same time, the subtraction of the amount of counterclaims does not mean their automatic repayment (full or partial). The depositor's obligations to the bank remain the same and must be performed properly in accordance with the terms of the agreements concluded with the bank.

With full or partial repayment the depositor of the debt to the bank, the depositor is entitled to receive insurance compensation in the appropriate amount. At the same time, he can send an application to the bank in free form on making appropriate changes to the register of the bank's obligations to depositors.

Get information about all available ways You can repay a loan and pay a loan to a bank whose license for banking operations has been revoked on the Agency's payment portal: www.payasv.ru.

Payment of insurance compensation

Acceptance of applications from depositors for payment of compensation on deposits and payment of compensation for deposits begin, as a rule, 10–14 calendar days after the occurrence of an insured event. The specified time is necessary for the Agency to receive from the bank information on deposits (register of obligations), its verification and organization of payments.

You can apply for payment during the entire period of liquidation of the bank. On average, the bank liquidation procedure takes about 3 years.

Insurance compensation to depositors who did not have time to apply for insurance compensation is provided by the Agency upon applications in exceptional cases, for example, in case of serious illness, long-term business trip abroad, military service.

In order to ensure the fastest possible payment of compensation on deposits, accepting applications from depositors for payment of compensation on deposits (the application form is posted on the official website of the Agency on the Internet) and other required documents, as well as the payment of compensation itself, can be carried out by the Agency through agent banks acting on its behalf and at its expense.

The selection of agent banks is carried out on a competitive basis. The announcement of the results of the selection of agent banks is posted on the official website of the Agency on the Internet no later than 7 days after the occurrence of the insured event.

Payment of compensation on deposits is made within 3 working days from the date of submission by the depositor to the agent bank of an application for payment of compensation on deposits and an identity document. Compensation can be paid both in cash and by transferring funds to the bank account indicated by the depositor opened with the bank. Deposit reimbursement individual entrepreneurs carried out only to an account opened for entrepreneurial activities. Payment of compensation on deposits of a small enterprise is made to the bank account of this small enterprise opened with a bank.

The timing of the start of payments and the name of the agent bank, including the addresses of its offices where you can receive insurance compensation, are published on the official website of the Agency on the Internet and in the media.

If the court decides to liquidate the bank, settlements with depositors in the part exceeding the payment made by the Agency are carried out in the course of the arbitration court bankruptcy proceedings or compulsory liquidation. Such claims of depositors are satisfied as part of the claims of creditors of the first priority.

Financial bases of CERs

In order to make insurance payments, the federal law provides for the formation of a mandatory deposit insurance fund (hereinafter referred to as the Fund). The Fund is formed from insurance premiums of banks participating in the DIS, income from investing temporarily free funds of the Fund, property contribution of the Russian Federation.

Insurance premiums are paid by banks participating in the DIS on a quarterly basis. The rate of insurance premiums is set by the Board of Directors of the Agency. Since the third quarter of 2015, a mechanism for paying contributions at differentiated rates has been introduced. Application increased rates depends on the maximum interest rates of banks on the deposits attracted by them and the assessment by the Bank of Russia of their financial position, including supervisory response measures introduced by the Bank of Russia.

The procedure and mechanisms for control over the investment of temporarily free funds of the Fund are established by the Government of the Russian Federation. The list of assets allowed for investment is strictly regulated. Data on income from investing the Fund's resources are published in annual reports Agencies.

The Fund's funds spent on payments are fully or partially returned to the Fund upon satisfaction of the Agency's claims to liquidated banks that have passed to it as a result of payment of insurance compensation to their depositors.

The funds of the Fund have a strict special purpose and can only be spent on the payment of reimbursement on deposits. In order to control the targeted spending, the funds of the Fund are accounted for on a specially opened account of the Agency with the Bank of Russia.

The financial stability of CERs is ensured by the property of the Agency, and, if necessary, by means of federal budget, as well as loans provided by the Bank of Russia.

Deposit insurance law

Glossary of basic terms

Deposit Insurance Agency (DIA)– non-profit organization created by the state to ensure the work Deposit insurance systems (DIS) and advocacy contributors. The DIA operates on the basis of the Federal Law of December 23, 2003 No. 177-FZ "On Insurance of Deposits in Banks of the Russian Federation" (Federal Law No. 177-FZ). The organizational and legal form of the DIA is a state corporation. It is the DIA that organizes the payment of compensation to individuals and legal entities for deposits, which are insured in accordance with Federal Law No. 177-FZ, from funds compulsory deposit insurance fund.

Bank - member of the DIS- a credit institution that has the right to attract funds from the population in contributions. The bank must pay insurance premiums v Mandatory Deposit Insurance Fund; inform depositors about their participation in CERs, about the procedure and amounts for receiving reimbursement on deposits; keep records of the bank's obligations to depositors.

Contribution- funds placed by investors in banks participating in DIS on the territory of the Russian Federation on the basis of a bank deposit agreement or a bank account agreement. The term "deposit" includes capitalized (accrued) interest on the amount of the deposit. Deposits are subject to insurance protection both in rubles and in foreign currency. The exclusion of certain types of monetary obligations from insurance is established by law. In particular, the following are not subject to insurance: funds placed on bank accounts (in deposits) of lawyers, notaries and other persons opened for professional activity; deposits, the making of which is certified by a certificate of deposit; funds transferred to banks for trust management; deposits in branches of Russian banks located abroad; electronic money; funds placed on nominal accounts, with the exception of nominal accounts that are opened for guardians or trustees and the beneficiaries of which are wards, pledge accounts and escrow accounts, unless otherwise established Federal Law No. 177-FZ; funds placed in subordinated deposits; funds placed by or in favor of legal entities, except for funds placed by or in favor of small enterprises. In addition, deposits that are not nominated in monetary units(for example, in grams of precious metals).

Contributor- a citizen of the Russian Federation, a foreign citizen, a stateless person, including those carrying out entrepreneurial activity, or a legal entity classified in accordance with the legislation of the Russian Federation to small enterprises, information about which is contained in the unified register of small and medium-sized businesses, which is maintained in accordance with the Federal Law of July 24, 2007 No. 209 - FZ "On the Development small and medium-sized businesses in the Russian Federation”, which concluded a banking agreement with the bank contribution or bank account agreement. The investor is entitled by law to receive insurance compensation in the bank against which the insurance case. In order to exercise this right, individual depositor it is enough to submit a relevant application and a document proving his identity. Counterclaims– monetary obligations contributor to the bank (balance of debt on a loan, overdraft, etc.). Counterclaims reduce the amount of obligations in the calculation insurance compensation. Payment of insurance indemnity does not entail automatic termination (offset) of counterclaims.

Register of banks participating in DIS- list of banks, contributions in which they are insured in accordance with Federal Law No. 177-FZ. The registry is maintained by the DIA. It is available for review on the official DIA website on the Internet. If the bank has insurance case, then it is subject to exclusion from the register after the completion of the bankruptcy (liquidation) of the bank by the DIA.

Register of bank liabilities- a list of the bank's obligations to depositors and counterclaims bank to contributors on the basis of which the payment is made insurance compensation. Contains information about contributors; O contributions and about counterclaims bank to contributor.

Deposit insurance system (DIS)– a special state program implemented in accordance with the Federal Law “On Insurance of Deposits in Banks of the Russian Federation”. Its main task is to protect the savings of the population placed in Russian banks. CER allows contributors upon the occurrence of an insured event, receive reimbursement on deposits within the maximum amount of insurance compensation established by law. The deposit insurance mechanism is as simple as possible and does not require any preliminary actions from the depositor: contributions and accounts of individuals and legal entities in a participating bank CERs subject to insurance in accordance with Federal Law No. 177-FZ, are insured "automatically" from the moment of placing funds in the bank on the basis of a bank deposit/account agreement.

Insurance indemnity (reimbursement on deposit/deposits)– sum of money payable contributor upon the onset insured event. It is set based on the amount of the bank's liabilities to contributor minus counterclaims jar.
Reimbursement on deposits is paid in the amount of 100% of the amount of all deposits in the bank, but not more than the maximum amount of insurance indemnity established by law. The amount of the deposit includes both the amount of money contributed by the depositor and the capitalized (accrued) interest on the deposit. The insurance indemnity is paid in rubles within three business days after the depositor, (his representative, heir, successor) submits an application for payment and the necessary documents (identity document, power of attorney, document on the right to inheritance), but not earlier, 14 working days days from the date of occurrence of the insured event, if more early term not determined by the decision of the Board of the DIA. Deposits in foreign currency are recalculated into rubles at the exchange rate of the Bank of Russia on the date of insured event.

The maximum amount of insurance compensation – statutory limit on the total amount of compensation on deposits paid to one depositor in one bank. Starting from December 30, 2014, the maximum amount of insurance indemnity is 1.4 million rubles. certain types accounts (escrow accounts opened for settlements under a real estate purchase and sale transaction, and escrow accounts opened for settlements under an agreement on participation in shared construction), the maximum amount of insurance compensation is 10 million rubles.

Insurance case– revocation (cancellation) bank - member of the DIS licenses of the Bank of Russia to carry out banking operations or the introduction by the Bank of Russia of a moratorium on satisfying the claims of the bank's creditors.

Bank insurance premiums– quarterly contributions of DIS member banks to the mandatory deposit insurance fund. From July 1, 2015, differentiated insurance premium rates were introduced: basic, additional and increased additional.

Mandatory Deposit Insurance Fund – financial basis of the CER. The fund consists of the property contribution of the Russian Federation, insurance premiums of banks participating in the DIS, income from the placement of the fund's assets in state and corporate securities, cash and property received from the satisfaction of the rights of claim of the DIA, acquired as a result of the payment of compensation on deposits to them. The Fund's resources are used to pay insurance compensation on deposits and other purposes established by federal laws.

The Deposit Insurance Agency has been operating since 2004. This agency was created for the successful operation of the deposit insurance system. The most large sum, which the agency can return to the client is 700 thousand rubles. This happens if the bank that the client used has become bankrupt. The premium insurance agency also acts as a troubled asset manager.

State Corporation Deposit Insurance Agency

The full name is the state corporation “Deposit Insurance Agency”, whose activities include paying out reimbursements to clients on deposits, controlling the formation of a money security fund, and managing savings funds. Since 2008, the state corporation, together with the Bank of Russia, has been working to prevent the bankruptcy of various credit institutions.

Insured events are

So, let's look at which programs are considered insured. The funds of individuals who have their accounts and investments in the bank are subject to insurance. It does not matter what the nationality of each of the applied clients is.

These types are reliable and safe:

fixed-term and demand deposits, including foreign currency;
current accounts, including accounts for salaries, pensions and scholarships;
funds of individual entrepreneurs;
means of guardians or trustees;
funds for the purchase and sale of real estate.

Liquidation of banks: what to do for depositors

In the event that the bank has become bankrupt, customers have to wait two weeks, and then apply for a refund in authorized bank. As soon as possible, the company undertakes to pay back the money to guarantee the safety of funds.

Currently, approximately 800 banks are included in the insurance system. These banks have the right to deal with the money of individuals. In the event that the Central Bank takes away from any of these banks a license to perform banking operations, a person has the right to demand a refund on the deposit.

Deposit Insurance Agency official website

If the same case occurs (bankruptcy), then the insurance company in the most short time will pay customers - 700 thousand rubles. In order to know exactly the full list of banks that participate in the Insurance System, you can inquire on the official website of the state corporation.

The specified deposit protection institution, the official website, which can be found on the Internet, on the second day, as the bank's license was revoked, places information about the insured event in this bank. The agent bank must be determined within three days. Within up to a week, the Agency provides information on the official website for depositors about the place, time and method of accepting applications.

Payments in different banks

In order for a person to be able to receive a refund under the program, it is necessary to submit an application to the agent bank for the payment of these funds. The application must be made in a special form and the necessary documents and the client's passport must be attached to it.

The client has the right to apply for compensation from the beginning of the insured event until the end of the liquidation of the bank. When the client, for certain valid reasons, cannot do this, then the Fund Protection Agency will pay out insurance to the client in the amount of the investment in banking programs.

In case of bankruptcy of several banks, where the client has his deposits, the amount of compensation is determined separately for each of the banks.

Legal status of citizens

The legal status of citizens is a system of rights, freedoms and obligations that the state recognizes and guarantees. Human rights are social opportunities provided to citizens by the state. The legal status of any person is specified in the Constitution. It is based in international legal documents. These documents define the general standards of the rights and freedoms of a Russian citizen.

Deposit Insurance Agency State Corporation Moscow

In order to find out the details of the activities of the corporation, you just need to go to the official website. Residents of the capital can use banks that are included in the system of the Moscow Deposit Insurance Agency.

And to find out which banks in Moscow can offer deposit services, the corporation's website can be called the best way out. Here you can find out which banks make payments on behalf of the Contribution Protection Agency.

Branch requirement

In order to receive a refund on deposits, it is known that it is necessary to write an application in a special form. All required forms can be found on the DIA official website. If disagreements arose when receiving a refund on deposits, the client has the right to submit a statement of disagreement to the agent bank.

The application should be accompanied by copies of the necessary documents that indicate the requirement of the client. Documents include bank account agreement, receipt cash warrant and other copies of documents.

Return form: who is in priority

The deposit insurance system for legal entities and individuals in the Russian Federation is imperfect. Therefore, the population is very reluctant to trust their money in the hands of commercial and state banks in Moscow and other regions.

The insurance agency is a corporation state level and allows for compulsory insurance of deposits of individuals. The institution pays money to individuals upon the occurrence of any of the insured events, providing significant support to the citizens of the country. In addition, according to Law No. 40-FZ, a state corporation acts as a liquidator or a bank rehabilitator that prevents bankruptcy.

State Deposit Insurance Corporation in Moscow - details

Today, the official website of the deposit insurance agency asv.org helps to obtain comprehensive information regarding the activities of many banks. The mailing address for correspondence regarding the liquidation and refinancing of institutions, as well as the address of the deposit insurance agency in Moscow and other contacts can be found on its official resource. At the same time, in St. Petersburg and other federal districts representative offices of the state corporation are located.

How to check the status of bank deposits in the registry?

Depositors can check the status of individual deposits in a special register on the website of the Insurance Agency in Moscow and other regions. To do this, go to the "Member Banks" section and select required bank from the proposed list. All the necessary information can be found by the name of the financial institution.

You can also get access to data on DIS member banks through the public website of the Central Bank by opening the section “Reference book on credit institutions” in the tab “Information on credit organizations” and, by clicking on the link, the State Corporation Insurance Agency. In addition, you can get the necessary information by calling the corporation's hotline in Moscow and other regions.

Insured events - what is it?

An insured event is a circumstance upon the occurrence of which a citizen has the right to reimbursement of money on deposits of individuals.

These events include:

introduction by the National Bank of a ban on satisfying the claims of creditors of a financial organization;
revocation or liquidation of a license to carry out financial activities.

At the same time, the reimbursement of funds of individuals for insured events is carried out in a 100% amount, but the amount of compensation can be no more than 700 thousand rubles. If the deposit is opened in a foreign currency, then the amount of compensation is calculated in national currency, according to the exchange rate of the National Bank at the time of the insured event.

Deposit insurance agency for individuals - liquidation of banks

Bank liquidation data is updated daily and displayed on the official website State Corporation in Moscow and other regions. Today, the liquidation list includes 290 financial institutions.

DIA news

As a result of inspections banking institutions in 2016, the state corporation DIA in Moscow (deposit insurance agency) and other regions revealed cases of fraud by bank employees: Ekaterininskiy, Crossinvest, Stella, Miko, Arks, Mostrans and VPB.

In addition, liquidation measures were taken in relation to the following banks located in Moscow and other regions:

Probusinessbank;
Arksbank;
Rosinterbank;
Aimanibank;
Promenergobank;
Terra;
Credit-Moscow;
STRATEGY;
Arksbank;
Intercredit;
Rinvestbank;
EurocityBank, etc.

In 2016, the state corporation DIA received about 65,000 applications from individuals about disagreement with the amount of insurance compensation of joint-stock banks, 634,500 depositors in Moscow and other regions were returned their savings in the amount of about 370 billion rubles.

How to check at what stage the application is?

You can get information about the status of the statement of disagreement on the special service of the State Corporation, which is provided for documents registered with the Insurance Agency no earlier than September 1, 2014.

To do this, go to the "Deposit insurance" section and select the "Check the status of the statement of disagreement" item. Next, you will need to enter the details of the depositor and confirm the entry, after which the client receives all the necessary information from the Insurance Agency. The procedure that regulates disagreements regarding the return of funds is established by Part 7 of Art. 12 Federal Law No. 177.

How are payments on deposits made when a bank closes?

Usually, clients learn about the liquidation of a financial institution via the Internet, the SV Agency or VestnikBank of Russia, and the bank is not obliged to inform each depositor separately.

Payments of funds in case of liquidation of banks in Moscow and other regions are carried out within three days after the submission of the necessary documents. At the same time, at least 14 days must pass from the moment of occurrence of the insured event.

In order for depositors to live in peace and not worry about their savings and savings, the state created the DIA corporation. About 830 banks are already included in this system, which in case of force majeure guarantees the payment of all investments. Let us consider in more detail what is the essence of the Insurance Agency and what is its role.

The financial foundation of the CER is the compulsory insurance fund. Due to this organization, payments on deposits take place, and the costs of coordinating payments are compensated. The main source of formation of the fund are the payments of depositors.

Any assets of individuals can be insured, except for:

Deposit accounts of lawyers and notaries;
Bearer deposits;
Accounts opened in branches of a particular bank abroad;
Funds that were transferred to the bank for trust management;
Electronic accounts.

Pension Savings Guarantee System

This special development state, which is implemented in accordance with Federal Law No. 422.

The main purpose of the system is to guarantee pension savings individuals who form a funded pension in the Pension Fund of the Russian Federation or in any NPF that carry out activities on compulsory pension insurance.

Accumulative part pension provision consists of:

Employer payments for persons born in 1967 and younger;
Payments under the co-financing program;
Shares of funds aimed at compiling funded pension, which were taken from maternity capital;
Dividends received from the contribution.

Savings are guaranteed by the corporation through the payment of mandatory compensations.

This happens when one of the cases is set:

Revocation of a work permit from NPFs;
Recognition of NPF as a debtor;
Opening bankruptcy proceedings against NPFs;
Insufficient amount of funds on the day the pension payments are established to the person;
Reducing the amount of the PFR reserve below the minimum level set by the Government of the Russian Federation.

The State Corporation Deposit Insurance Agency gives guarantees for the payment of all funds reflected in the accounts of the funded pension of an individual, except investment income. At the same time, the amount of payments cannot be reduced and is guaranteed in full.

The main source of formation financial basis pension savings guarantee fund - guarantee contributions of NPFs registered in the pension savings guarantee system, and the Pension Fund of the Russian Federation.

Starting from 2015, the DIA maintains a register of NPFs.

Bank liquidation

According to Federal Law No. 40, Federal Law No. 395-1, Federal Law No. 127, the corporation manages bankruptcy procedures for financial organizations.

The Court appoints the Agency as a liquidator:

Upon liquidation of a financial institution that had a license from the Central Bank of the Russian Federation to raise funds for deposits;
In case of bankruptcy of debtor banks;
When another liquidator is removed;

The purpose of the agency as a liquidator is to ensure effective work in case of bankruptcy, strictly observing the rights and interests of creditors, banks, citizens and the state.

To be effective, you need:

Determination of creditors' claims;
Organization of settlements in the shortest possible time;
Identification of agreements that contradict the property interests of the organization;
Bringing to justice those who are guilty of the bankruptcy of the organization.

financial recovery

The basis of financial recovery is the restoration of the liquidity of the financial institution and the resumption of activities.

by the most the best option financial recovery is to attract investors who are interested in investing money in the restoration of the bank.

The agency can provide assistance to either the investor or the bank itself to prevent bankruptcy.

The law provides for several sources of financial support in the implementation of measures to prevent bank failure:

Property contribution of the Russian Federation;
Credits of the Central Bank of the Russian Federation;
Funds of the insurance fund;
Investor funds.

Judging by the materials presented, investors absolutely do not need to worry about their savings and profitability. To not happen to financial institution, individual will receive his money in full.