Sberbank deposits presentation for a lesson on the topic. About Gazprombank The right to receive compensation payments is granted to Citizens of the Russian Federation

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 the agreement does not contain a condition 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 the agreement does not contain a condition 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 period 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 on the account and 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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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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Tests and situational tasks in the discipline ORGANIZATION OF WORK WITH BANK DEPOSITS AND DEPOSITS

Tests and situational tasks in the discipline ORGANIZATION OF WORK WITH BANK DEPOSITS AND DEPOSITS...

Description of the presentation by individual slides:

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The relevance of the research topic lies in the fact that the largest part of banking resources is formed when a bank carries out deposit operations; the efficiency and proper organization of which ultimately determines the sustainability of the functioning of any credit institution. The subject of the study is the organization and accounting of deposits of individuals. The purpose of the work is to study the deposits of individuals. The following tasks were set: Determine the procedure for registering deposits Study existing types of deposits Familiarize yourself with the power of attorney for deposits Find out what documents are used when registering deposits Familiarize yourself with the disposal of deposits Study deposit insurance

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A deposit (deposit) is funds (in cash or non-cash form, in national or foreign currency) transferred to the bank by their owner for storage under certain conditions. Deposit (contribution) definition

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Types of deposits A demand deposit involves storing any amount in a personal account, which, however, must be above the minimum threshold determined by the bank for deposits. The advantage of this deposit is the ability to withdraw any amount (without exceeding the limit of funds in the account) at any time. The disadvantage of a demand deposit is that the interest on the deposit will be low. This is due to the unreliability of such funds for the bank: you can withdraw them at any time, which means that the bank does not have the ability to manage them fully. A time deposit is concluded for a period of up to 5 years, but it is also possible to open a deposit for a year, a month or several months. The minimum deposit amount is also determined by the specific bank. However, this deposit cannot be withdrawn before the end of the term.

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The procedure for registering deposits Banks have the right to attract funds from individuals as deposits if at least 2 years have passed since the date of state registration of the bank. When merging banks, the specified period is calculated for the bank that has an earlier state registration date. When transforming the bank, the specified period is not interrupted. Bank depositors can be citizens of the Russian Federation, foreign citizens and stateless persons, both residents and non-residents. Depositors are free to choose a bank to deposit their funds and may have deposits in one or more banks.

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Powers of attorney for deposits In a power of attorney, the depositor has the right to provide for the payment of certain amounts to the representative from the deposit on a monthly basis or at other times. The depositor may indicate in the power of attorney several persons to whom he grants the right to receive amounts from his deposit. The depositor can draw up one general power of attorney in the structural unit of the bank where several of his deposits are kept to receive amounts from these deposits. The depositor can draw up a power of attorney for a deposit in rubles or in foreign currency outside the structural unit of the bank performing deposit operations. In this case, the power of attorney to dispose of the deposit must be certified by a notary.

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Testamentary disposition A testamentary disposition does not deprive the investor of the right to dispose of the deposit during his lifetime; he retains the right to change or cancel the testamentary disposition. Minor investors cannot bequeath their deposits. The depositor can draw up a testamentary disposition in the structural unit of the bank in which the deposit is located. If the investor wants the deposit to be issued to several persons or organizations after his death, then in the order he indicates the share of each heir as a percentage or as a fraction. Specifying shares in the form of specific amounts is not allowed, since the amount of the deposit may change by the time of the death of the investor. A deposit bequeathed to several persons without indicating the share of each is issued to all persons specified in the testamentary disposition in equal shares.

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Deposit insurance To insure deposits, the depositor does not need to conclude any agreement; it is carried out by force of law. The deposit insurance agency, in place of the bank, returns the depositor's principal amount of his savings, and then, in place of the depositor, takes a place among the bank's creditors to repay the debt. Deposits are considered insured from the day the bank is included in the register of banks participating in the system. All funds of individuals in banks are subject to insurance, with the exception of: - funds of individual entrepreneurs without forming a legal entity; - bearer deposits; - funds transferred to banks for trust management; - deposits in branches of Russian banks located abroad.

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The main principles of the deposit insurance system are: - mandatory participation of banks in the deposit insurance system; - reducing the risk of adverse consequences for depositors in the event of banks’ failure to fulfill their obligations; - transparency of the deposit insurance system; the accumulative nature of the formation of a compulsory deposit insurance fund through regular insurance contributions of participating banks and the deposit insurance system. An insured event is one of the following circumstances: - revocation (cancellation) of a bank’s license from the Bank of Russia to carry out banking operations; - introduction by the Bank of Russia, in accordance with the legislation of the Russian Federation, of a moratorium on satisfying the claims of the bank’s creditors.

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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