Belarusbank bonds for individuals. Foreign currency deposits for individuals in Belarusbank - list of deposits and interest rates

Changes from December 22, 2018! Since 2019, the issue of new foreign currency bonds has been prohibited by the National Bank as part of the “dedollarization of the Belarusian economy.” Old issues that have been listed are still available for purchase and circulation.

Article updated: 04/22/2019

If you just want to save your savings, then great option for this purpose - bank deposits. In the case where the task is not only to preserve what has been accumulated, but also to increase it, it is best to find alternative tools. In this area, one of the most interesting and promising options is bonds in foreign currency. There is not as much information, or even proposals, on this issue in Belarus as we would like. The more useful our material will be for you: in the article we will tell you about all the options for foreign currency bonds that are on sale today, and we will give some useful recommendations for those who want to invest profitably.

An obvious advantage of all foreign currency bonds issued on the territory of the Republic of Belarus is a higher interest rate compared to ordinary bank deposits. Thus, a person who placed a deposit in a bank in foreign currency, this moment can count on only 3% per annum; who purchased bonds issued by a particular enterprise or bank - often from 6% and higher, depending on the conditions prescribed by the issuer.

You should not think that transactions with these types of securities are a privilege only legal entities: Individuals can also buy bonds in dollars and euros. Bond means special kind securities, the purchase of which for a fixed price allows you to expect payment of the corresponding interest. In addition, income received from such securities is not subject to tax - unlike bank deposits. Another advantage is the possibility of selling the bond to any third party.

Government bonds (Ministry of Finance)

Conditions for 252 and 253 issues in USD:

Also, Ministry of Finance bonds in euros are still relevant - issues 251 and 254.

True, the balance on them is not so large - 28% and 16.1%, respectively, so you should hurry up if this particular type of bonds from the Ministry of Finance has attracted your attention.

All issues of government bonds denominated in foreign currency (in book-entry form) on the Ministry of Finance website: http://www.minfin.gov.by/ru/public_debt/bonds/currency/nodoc/noactual/

Internet bonds of Belarusbank in US dollars

Corporate

Most corporate bonds issued today do not have an authorized broker. This means that you can contact any bank engaged in brokerage activities (almost all) and buy securities.

What needs to be done to purchase and how much do brokerage and depository services banks:

• come to the bank and enter into a brokerage agreement to open and maintain a securities account:
  • Belarusbank - 20 rubles, service is free for now;
  • Belgazprombank - about 10 rubles, service is free for now;
  • Alfabank - 10 rubles, maintenance 5 rubles per month for each stored issue -
• pay a commission for a purchase on the BSE:
  • Belarusbank - 0.051%, but minimum $25;
  • Belgazprombank - 0.5% of the amount, but minimum $50 -
  • Alfabank - 0.02%, but minimum $10;
  • ASB Broker (a subsidiary of Belarusbank) - 0.02%, but at least 45 rubles.
• it is possible to pay a commission for payment coupon income and the cost of the bonds themselves at the end of the placement:
  • Belarusbank - commission 3% (!), so it is better to indicate the current account of another bank;
  • Belgazprombank - pays without commission;
  • Alfabank - 5 rubles for each payment in total for the issue.

Available for purchase

According to ASB Broker:

Conte Spa LLC

The authorized broker is Belarusbank, so buying will be relatively simple.

Avenues:

LLC "Agrofinance"

• Prospectus:

BPS-Sberbank

"Belarusbank"

Belarusbank bonds in foreign currency have been consistently issued for many years now - and 2018 was no exception. Since February 28, 2018, the bank has placed new issues of documentary bonds for individuals.

The circulation period is 731 days. The first income payments are made six months after placement. Anyone can buy Belarusbank bonds - these issues are sold openly on the unorganized market.

Payment schedule: 08/31/2018, 02/28/2019, 08/31/2019, 02/29/2020.

Prospectus:

LLC "TENKinvest"

One of the most advantageous offers On the market. The balance is still decent - 60%. So hurry up! In addition, Belarusbank is an authorized broker - this means that purchasing securities will be easy.

• Avenue:

ODO "Iron"

Reliable developer with an impeccable reputation. The company has solid experience and equally solid construction plans. Hence the constant presence in the bond market. This is the 23rd issue.

• Avenue:

LLC "PremiyaMaster"

This option is quite modest in terms of the issue volume, but may well attract interest due to its high interest rate.

LLC "Zhilstroykomplekt"

It's not often you see foreign currency bonds with such interest rates. The remainder is about 50%. Hurry up!

ASB Leasing LLC

The leasing company, one of the owners of which is OJSC Belarusbank, has been carrying out its core activities since 2004. The main difference is large denomination 5 and 10 thousand EUR and USD.

Prospectuses:

JSC "Euroopt"

Another player in the foreign currency bond market that doesn’t need any special introduction. Previous issues with an increased interest rate have long been successfully sold out. But there are two more left - and they also have quite attractive conditions.

Authorized broker - "Belarusbank".

Prospectuses:

COOO "Intellect Leasing"

A company that has been leasing cars and trucks for 10 years. Already the second issue - and a rather attractive percentage.

Premier Market LLC

A young company with a very dynamically developing retail chain “Domashny”. The second issue does not have a very large volume, but the percentage is encouraging.

StepLine LLC

Transport company founded in 2005. As we can see, it has survived more than one crisis and is successfully mastering the bond market.

• Prospectus: .

An alternative to keeping “stash” at home for most citizens is deposits and securities. The interest rate on deposits is becoming less and less attractive, so bonds are gaining popularity.

The slightly forgotten word “bonds” is increasingly entering the lexicon; the press and websites are full of announcements about the next issuer. There are many proposals - from the Ministry of Finance to private enterprises. The promise of bond returns is tempting. It is clear that the market needs investment, economic development requires internal borrowing. For citizens, purchasing bonds is an opportunity to invest free funds, a guarantee of their safety and income.

Questions remain about the reliability of the borrower and the security of securities. Reputation oldest bank country, the lion's share of shares of which belongs to the state, implies no alternative choice. Your money will not only be saved here, but also multiplied.

The development of the securities market in Belarus began in 1994, and for almost ten years it was dominated by government securities. The adoption of changes in 2004 tax law, exempting income from taxes bank bonds, led to the emergence of bank documentary bonds for the population.

Belarusbank is a pioneer in this direction: bonds as the new kind savings bank offered first in banking system already in December 2004. Since then, it has been constantly increasing its presence in the domestic securities market.

The new type of savings turned out to be a convenient addition to the existing line of products and was loved by investors. The scale of the issue is unparalleled - 216 bond issues, of which 123 are for individuals.

The head of the department of investments and securities of OJSC spoke about the nuances of using such a savings instrument as bonds. ASB Belarusbank» Svetlana ZAROVSKAYA.

Svetlana Valentinovna, an informed investor places his money, as a rule, on a deposit, but then begins to look closely at bonds. Why?

The economic essence of bonds for our clients is very similar to a deposit. Our bank, by selling bonds to citizens, receives additional financial resources, which will go towards the development of the bank and the Belarusian economy.

I give credit to our clients. Today they monitor the market, will not take unnecessary risks and take a very balanced approach to their decisions. financial issues. If they buy Belarusbank bonds, they are absolutely sure that the bank will fulfill its obligations and return the value of the securities with interest. This is a safe investment.

In essence, investing in bonds is the same as making a deposit, but the interest is higher. After all, bonds are not subject to the risk of a decrease in the rate of return: for a registered bond issue, its change is no longer possible. Such premium returns against the backdrop of constantly falling rates on the deposit market are very attractive for citizens. In addition, the bond can be sold or donated.

What is a bond? This is a debt security in which the issuer (the one who issued it - a bank, company or government) agrees to pay the buyer the face value of the bonds and interest on them in the future. There are two types of bonds: discount and interest (coupon). In the first option, the income consists of the difference between the purchase price of the bond and its face value, that is, the redemption price. You buy a paper with a face value of 1000 dollars for 900. After some time, the issuer gives you 1000. And 100 dollars (discount) now becomes your income.

Interest-bearing bonds have a completely different operating principle - more similar to a bank deposit. You buy paper at par on the first day of placement or at the current (negotiable) value on subsequent days, and the issuer pays you a specific interest income at nominal value at certain intervals. When the time comes to repay the bond, you will be finally paid the interest and the face value of the paper will be returned.

In our country, individuals are usually offered interest-bearing bonds. Banks, companies and organizations, as well as the state can issue such securities.

In addition to high interest rates, bonds also come with additional expenses.

According to Deputy Director of the Treasury of Alfa-Bank (Belarus) Sergei Smolyakov, fundamental differences there is no difference between deposits and bonds. These are all means of saving money and generating income. But they are sold differently and are regulated by different laws. In addition, the return of the deposit is guaranteed by the state, and bonds are issued “on the word of honor” of the issuer.

However, there is an important advantage of bonds compared to deposits - you do not have to pay taxes on the income received. Securities issued from April 1, 2008 to January 1, 2015, as well as from July 1 to December 31, 2015, are exempt from this. In the future, the attractiveness of the savings instrument will depend on whether Presidential Decree No. 279 will be extended, as well as on what changes will be made to the Tax Code.

When a client comes to the bank, he has the opportunity to buy a documentary or uncertificated bond. The first is a form with degrees of protection and “coupons”. " Sometimes they really get cut off- says Sergei Smolyakov. — More often they are simply marked with redemption notes. It's simple: you come to the cashier, deposit money, they give you paper».

This is a very convenient option for saving: such bonds are usually “bearer”, that is, no one will ask for your personal data. But this only works when buying securities at small amounts- up to 1000 (from January 1, 2016 this will be 210 million rubles). And of course, such papers, like money, can be lost.

More reliable are book-entry bonds. It is impossible to lose them. But you will have to pay for guarantees. Essentially, this security is just an entry in your custodial account. To get it, you need to open a “depository” account and pay a few more commissions.

Using the example of the state Ministry of Finance (with an annual rate of 7%), we looked at what expenses are associated with the purchase of securities.

« In addition to the deposit account, it is necessary to conclude an agreement with a broker, since the placement of the issue is carried out on the stock exchange,- says manager for brokerage activities of UE "ASB Broker" Marina Maksimovich. — The cost of the service for opening a “depo” account in different depositories differs. In Belarusbank, for example, it costs 80 thousand Belarusian rubles. Broker fees can also vary significantly. Our commission is 0.02% of the transaction amount, but not less than 250 thousand».

Roughly speaking, when buying 13 bonds (each with a face value of 5 thousand dollars) or less, you need to pay 250 thousand. If 14 or more, then - 0.02% at the National Bank rate. " For example, when purchasing bonds worth $100 thousand, the income that the bond owner will receive will be about $1,700 per full interest period(3 months), and our commission will be only $20. Agree that this is not significant“, Marina Maksimovich clarified. Income tax at such interest on the deposit it would be equal to $221, that is, 11 times more.

But the costs don't stop there. You also need to open a foreign currency account so that interest can be credited to it. In this case it's free. Same as cash withdrawals. But banks can set fees for these services. And some depositories sometimes charge additional money for recording bonds, that is, for keeping a record of them.

You can make a profitable short-term “investment” from a security

As he says Chief specialist of the department of operations in financial markets of the treasury of Alfa-Bank (Belarus) Evgeniy Shevchuk, « you should understand that the time has come when you need to learn to take care of your finances" And to choose what will really be beneficial for you, you need to work. Separately, it is worth understanding the timing of investments.

The deposit has a specific period. When the contract ends, either there is a renewal, or nothing happens, or the money is automatically transferred to the client’s account. A bond is a long-term borrowing instrument. Issuers try to place securities for a long period and return the money someday later.

But bonds are issued with an offer, or an unconditional obligation of the issuer to buy back all or part of the securities from the holder on a certain date. True, they do this only at the request of the investor (and sometimes you need to write it a month in advance). Still, this gives a person the opportunity to return his money ahead of schedule. And if you guess with the dates, you can actually get short-term deposit with a good rate and the ability to withdraw funds, which bank deposits will no longer offer.

Let's compare. Let's say you have 10 thousand dollars that you want to save and grow. Now revoked foreign currency deposit with a rate of more than 4% per annum. Bonds offer up to 10% per annum. In the case of a deposit, you will receive 400 dollars in a year plus another 10-20 taking into account capitalization. If you buy a bond, you can earn up to $1,000. The difference is 600 "green", and even if we assume that all commissions when buying bonds will cost 50 dollars, the benefit is obvious. And if you withdraw your deposit early, you will most likely receive income at a reduced rate. You can sell a bond to the issuer ahead of schedule, for example, every 6 months without any sanctions.

In addition, in exceptional cases, you can try to negotiate with the issuer to repurchase bonds at an unspecified time. As a rule, if possible, they accommodate the client halfway.

What guarantees do non-government bonds have?

Many are scared off by the fact that there is no law according to which invested funds must be returned in any case. And if the Ministry of Finance bonds are not repaid only in the event of a state default, then in order to “get money” when purchasing corporate securities (which are issued by banks or companies), the bankruptcy of a legal entity will be sufficient.

« Yes, the state does not guarantee payments on bonds, but even in this case there may be fairly reliable security", assures Manager of the company "Sigmapolyus" Yulia Askerko. This development organization also has its own securities this year. There are three types of security: insurance, surety of legal entities and collateral (usually real estate).

« In our opinion, the most reliable type of security is a real estate pledge. Insurance leads to additional costs for the issuer, therefore the interest rate will be lower. A guarantee is also not the best type of security in this case, because the guarantors may experience difficulties with the business, which will lead to a decrease in solvency. After all, such organizations, by and large, have no significant restrictions - they took and sold all their property, for example“, says Yulia Askerko.

Of course, you can monitor the “health” of an enterprise quarterly using the reports of the Ministry of Finance and see in time that something is wrong with the issuer. But if it comes to bankruptcy, it is better to have collateral. Then it will be sold to pay off the debt. This collateral is “tied” by the bond issue. You can’t just sell it or do anything else with it. Other creditors are not entitled to it.

« We have pledged, for example, about 8% of our real estate", the company manager clarifies.

For an organization, by the way, issuing bonds is a type of raising financing. We can consider this a replacement bank loan. Therefore, if you trust the company, then why not invest?

The only drawback is that individuals cannot require more information than what should be in the prospectus. And not all indicators are included there. So there is always a risk. But the rate is usually higher in bonds.

And one more pitfall: according to Yulia Askerko, potential investors should take into account that sometimes the company takes on part of the commissions that are associated with the issue, sale and placement of bonds. " In case of early repayment, the security holder may be forced to pay some of them" It's better to discuss everything in advance.

“Bonds will not replace deposits, but now the securities will be of interest to some investors”

Evgeniy Shevchuk believes that bonds will not be able to replace deposits, but there is a certain number of depositors who will be interested in this savings instrument.

« In general development financial market It is beneficial for banks, because after changing the conditions for deposits, they will be afraid of a decrease in liquidity due to the outflow of deposits. We will need other ways to attract money to the bank.", says the expert.

But bankers consider the decision to differentiate deposits into revocable and irrevocable to be correct. " This should have been done a long time ago. Before this, all our deposits were essentially on demand: you could always return them within five days. How can you grow your active base in such conditions and issue loans? The reason the stock market is developed all over the world is because there are no such attractive short-term deposits».

OJSC ASB Belarusbank and UE ASB Broker, which is part of the banking holding, occupy leading positions in the securities market of the Republic of Belarus and are ready to provide clients with a full range of services related to transactions in this market:

From 03/01/2019 in connection with the entry into force of the resolution National Bank of the Republic of Belarus dated December 19, 2018 No. 612 “On some issues of conducting foreign exchange transactions» with individuals and legal entities on bonds denominated in foreign currency.

By choosing OJSC "JSSB Belarusbank" you can count on:

• extensive experience in the market;
• profitability at attractive rates;
• highly qualified securities specialists;
• comprehensive service;
• the country's largest network of service points.

Special permit (license) No. 02200/5200-1246-1089 for the right to carry out professional and exchange activities in securities, issued by the Ministry of Finance of the Republic of Belarus on April 10, 1996.

FAQ

What is a bond?

A bond is a debt security that certifies the right of its owner to receive from the issuing company of the bond its nominal value, as well as the income specified in it, within a specified period.

In what form are bonds issued?

Bonds can be issued (issued) in documentary (on special forms) or non-documentary (in the form of entries in accounts) forms.

Where can I get acquainted with the parameters and conditions of bonds?

All information on bonds is contained in the Issue Prospectus, including: information about the bond issuer, its financial condition and development plans, information about the security of bonds, the rate of return on them, the procedure for their placement, the rights and obligations of the issuer and investor, as well as other information, the composition of which is established by law. The issuing company usually places issue documents on the Unified Financial Market Portal, its own website and/or at points of sale.

What is bond placement?

Bond placement is the sale of bonds to their first owner.

What is bond circulation? What is the difference between the circulation of documentary and uncertificated bonds?

Circulation of bonds is the execution of civil transactions entailing the transfer of rights to bonds from their first or each subsequent owner to another person. The circulation of documentary bonds is carried out by simply transferring the bond from one owner to another. The circulation of uncertificated bonds is carried out by the parties concluding agreements for the purchase and sale of bonds in trading system OJSC "Belarusian Currency and Stock Exchange" using, or on the unorganized (over-the-counter) market with obligatory transaction from a professional participant in the securities market.

What is the current value of a bond and how is it calculated?

The current value of a bond is the value of a bond on a specific date during its circulation period. The current value of the bond = the par value of the bond + the accumulated income on it on the date of purchase. Those. Every day the bond becomes more expensive by the amount of interest “accumulated” over the past day. The procedure for calculating the current value of a bond is established by the Issue Prospectus.

How is the yield on a bond calculated?

The procedure for calculating the yield on bonds is established by the Issue Prospectus.

What should I do if I lost a documentary bond of JSC ASB Belarusbank?

In accordance with Art. 149 Civil Code of the Republic of Belarus, restoration of rights to lost bearer bonds is carried out by the court in the manner prescribed by procedural legislation. The specifics of consideration of cases on the restoration of rights under bearer bonds are defined in section 8 of the Civil Procedure Code of the Republic of Belarus (hereinafter referred to as the Civil Procedure Code).

If a bearer bond is lost, the person who lost the bond must apply to the court at the location of the bank that issued the bond with an application for restoration of rights.

By virtue of Art. 385 of the Code of Civil Procedure, when initiating a case in connection with the loss of a bearer bond, the judge, in order to prepare the case, issues a ruling prohibiting payments and issuance under it, which is immediately sent for execution to JSC JSB Belarusbank.

After the court makes a ruling on the restoration of rights under the lost bonds, the person who lost the bond must contact the bank institution where the lost bond with the above determination was purchased. Based on the received court ruling on the restoration of rights under lost bonds, the bank institution makes payments due on them Money(face value of the bond and unearned interest income) in accordance with the terms of repayment ( early repayment) bonds defined in the Bond Issue Prospectus.

In our search for alternative deposit options for placing foreign currency, we are increasingly looking at foreign currency bonds. For one simple reason, rates on them are usually higher than on bank deposits. Who is ready to offer this type of savings today, and under what conditions?

• Unifood (Almi)
• NP-Service
• LODE
• Conte Spa…

• enter into an agreement for brokerage services, for example, with one of the banks
• open a current account in any bank in the country
• open a “depo” account in any depository in Belarus
• provide an instruction to the selected broker to purchase securities

on the Ministry of Finance website .

All of the above applies to the acquisition of bonds and other legal entities. And if they are offered for sale, they can be purchased.

Information on bond issues in circulation is posted monthly on the exchange website.

There you can also find the results of the activities of all bond issuers, by studying which you can understand how reliable a borrower you trust with your money.

Returning to the question of whether bonds can be considered as an alternative bank deposit- It's up to you to decide, of course. On securities placed for the first time, the rates are now 4-5.5% per annum; if it is possible to purchase bonds of earlier issues of banks or legal entities on the stock exchange, the rates on them can be significantly higher.

Despite the fact that deposits are above 4%, they have not risen for a long time, and one can hardly expect their growth.

Even despite all the commissions of brokers and depositories, by investing a certain amount in bonds, you can get a much more significant profit in the future than on deposits.

But if you can only afford 1-2 securities, maybe it’s not worth it "mess around"? After all, if you enter into an agreement with a broker or bank, commissions for their services can easily eat up all your income on bonds...