The amount of insurance of deposits of individuals. The insured deposit amount is the mechanism of operation of the state system and the maximum amount of payment. Features of the insurance procedure

Deposit insurance- a system that allows private depositors - individuals to receive cash in case of license revocation or bankruptcy credit institution. To do this, banks pay insurance premiums for attracted deposits to a specialized fund, from where payments are made in case of default.

History of deposit insurance

The first system of compulsory deposit insurance individuals appeared in the United States during the Great Depression in 1933 on the basis of the Glass-Segal Act. At first, the specially created Federal Deposit Insurance Corporation paid out no more than $5,000 per depositor. Subsequently, this amount was increased to 100 thousand. For the winter of 2017, it is 250 thousand dollars. Similar deposit insurance systems exist in other countries.

Bank deposit insurance in Russia

At the same time, compulsory insurance of deposits of individuals in the Russian Federation serves as a condition for obtaining a license to attract money from citizens.

Deposit insurance compensation amount

On the onset insured event at the bank, reimbursements are paid not only to individuals, but also - secondarily - to individual entrepreneurs (IP). Russian clients receive 100%* of the amount insured bank deposit, but not more than 1.4 million rubles for all accounts in one bank. Also, from January 1, 2019, the deposit insurance system will be extended to micro and small businesses. If the license is revoked by the Central Bank, a company included in the Register of Small and Medium-Sized Businesses will be able to return the money placed on the account or deposit in the amount of 1.4 million rubles.

In this case, the currency is converted into rubles at the exchange rate of the Central Bank on the day of the insured event. Insurance payments on a deposit in one bank do not affect the amount of compensation in case of default in another bank for the same client.

*However, if there is a loan in the same bank, the client will receive the deposit amount minus the debt amount.

Uninsured deposits

Non-insurance, i.e., not subject to the deposit insurance system for individuals, include the following types of funds:

In order to be guaranteed compensation in the event of a bank's license being revoked or its bankruptcy, the depositor needs to make sure that the credit institution in which he opens an account is a member of the compulsory deposit insurance system for individuals. Such information can be obtained, for example, on the DIA website.

Deposit insurance amount

Deposit insurance is a system of compulsory insurance of deposits of individuals by banks, which allows depositors to receive their funds when the license is revoked from a credit institution. Banks pay insurance premiums for attracted deposits to a specialized fund, from where payments are made in the event of an insured event.

The amount of deposit insurance is the amount of compulsory insurance by banks of deposits of individuals, which is carried out within the limits of 1,400,000 rubles. Deposits placed in banks in excess of this amount are not subject to insurance, and therefore, when revoking a license from a bank for banking the depositor will not be compensated as a matter of priority.

The amount of deposit insurance has been increased to 1,400,000 rubles on the basis of Federal Law No. 451-FZ dated December 29, 2014 "On Amendments to Article 11 of the Federal Law "On Insurance of Deposits of Individuals in Banks Russian Federation"and Article 46 of the Federal Law "On central bank Russian Federation (Bank of Russia)".

The system of compulsory insurance of bank deposits of the population (CIS) in Russia is implemented by the Deposit Insurance Agency. Task State Corporation"Deposit Insurance Agency" is the provision of insurance of deposits of individuals within a certain amount, i.e. protection of savings of the population placed in deposits and accounts in Russian banks on the territory of the Russian Federation.

Similar deposit insurance systems operate in more than 100 countries of the world, including all EU member states, the USA, Japan, Brazil, as well as in some CIS countries (Azerbaijan, Armenia, Belarus, Kazakhstan and Ukraine).

The system of compulsory insurance of bank deposits of the population (CIS) of the Russian Federation is a special state program implemented in accordance with federal law dated December 23, 2003 No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation”. This is a social task of the state to protect the financial interests of citizens, in which the depositor does not need to conclude a separate insurance contract to insure deposits, insurance is carried out by virtue of law. True, the law stipulates a ceiling on the amount of deposit insurance.

As of the end of 2014, depositors of 1015 banks are protected by the Russian deposit insurance system, including:

• 862 operating banks, DIS participants;


• 8 banks - DIS participants without the right to accept new deposits;


• 145 banks excluded from the insurance system.

The amount of payments for an insured event

In accordance with the current legislation, the amount of deposit insurance, and therefore the amount of payments in case of an insured event, is set for deposits in the amount of 100 percent of the amount of deposits in the bank, but not more than the maximum amount of 1,400,000 rubles.

The amount of payments for an insured event in one bank cannot exceed 1,400 thousand rubles, even if the depositor keeps money on several accounts in this bank or in several branches of the bank.

If the depositor has deposits in several banks, then in each of them maximum amount compensation will be 1,400 thousand rubles.

All funds of individuals placed in a bank-participant of the CER on the basis of a bank account or bank deposit agreement are subject to insurance.

What customer funds are not covered by insurance?

Deposit insurance does not include funds customers placed in banks:

• bearer bank deposits;
• bank deposits certified by a BEARER savings certificate;
• funds on the accounts of individual entrepreneurs without forming a legal entity, lawyers, notaries, if the accounts are opened in connection with professional activities;
• funds transferred to banks for trust management;
• deposits in foreign branches of Russian banks;
• electronic money transferred to the bank for money transfers without opening a bank account (funds in transit);
• funds on depersonalized metal accounts, since they do not account for cash, but for precious metals, measured in certain weight units (for example, in grams).

I think that the amount of deposit insurance will gradually grow further. This will increase the security of small and medium-sized savers and increase their savings activity.

For large investors, whose savings amount to more than one million, such an amount of insurance does nothing. They can only choose between deposits in large banks without full deposit insurance or deposits in several banks, by splitting savings.

Given the above, we can suggest the following - when placing a deposit in a bank, it is imperative to check whether the selected bank participates in the deposit insurance system and what its financial condition is.

On January 27, 2005, EUROALLIANCE Bank was included in the register of banks participating in the system of compulsory deposit insurance under number 500.

Deposits are considered insured from the day the bank is included in the register of banks participating in the system. For deposit insurance, the depositor does not need to conclude any agreement with the bank; deposit insurance is carried out in accordance with the Federal Law.

The guarantor of the return of funds to the depositor is the state. As part of the implementation of the Federal Law, the state has specially created the "Deposit Insurance Agency" (hereinafter referred to as the Agency), which returns to the depositor the principal amount of his savings for the bank, instead of the depositor, takes his place in the queue of creditors.

In order to ensure financial stability deposit insurance system The Government of Russia has the right to allocate funds to the Agency federal budget in case of insufficient funds of the deposit insurance fund.

Since December 29, 2014, the maximum amount of insurance compensation for deposits has been increased from 700 thousand to 1.4 million rubles.

These changes establish 100% coverage of the deposit amount not exceeding 1.4 million rubles.

The new parameters of the deposit insurance system apply to banks in which an insured event occurred after December 29, 2014. These changes apply to both newly opened and previously opened deposits.

In order to comply with Federal Law No. 117-FZ dated December 23, 2003 “On insurance of deposits in banks of the Russian Federation”, we remind you of the need to timely provide the Bank with information about changes in the following information:

• surnames,
• name,
• patronymic,
• registration addresses,
• postal address,
• type and details of the identity document.

If such actions are not taken, negative consequences are possible in the event of an insured event in relation to the bank in which the deposit is placed (in particular, an increase in the time for considering the depositor's claim for payment of compensation on deposits, refusal to pay insurance compensation if the Agency fails to identify the depositor's identity).

We inform you that the funds accepted by the Bank for the purpose of making transfers without opening bank accounts, are not subject to insurance in accordance with Federal Law N177-FZ dated December 23, 2003 "On insurance of deposits in banks of the Russian Federation".

On January 1, 2019, amendments to Federal Law No. 177-FZ of December 23, 2003 “On Insurance of Deposits in Banks of the Russian Federation” came into force, according to which the funds of legal entities are subject to insurance,

referred in accordance with the legislation of the Russian Federation to small enterprises that have concluded a bank deposit agreement or a bank account agreement with the bank. The criterion for classifying a legal entity as a small enterprise for the purpose of deposit insurance is the availability of information on the affiliation of this legal entity to small enterprises in single register subjects of small and medium-sized businesses, the conduct of which is carried out in accordance with the Federal Law of July 24, 2007 N 209-FZ "On the development of small and medium-sized businesses in the Russian Federation". If the organization has signs of a small enterprise, it is necessary to check the availability of information about it in the unified register of small and medium-sized businesses on the website https://ofd.nalog.ru/index.html. The specified site also provides the possibility of applying for inclusion in the registry / correction of information if, for some reason, information about the organization is missing or incorrect: https://ofd.nalog.ru/appeal-create.html.

Funds of legal entities for which there is no information about their belonging to small enterprises in the unified register of small and medium-sized businesses, in accordance with the Federal Law of December 23, 2003 N 177-FZ "On Insurance of Deposits in Banks of the Russian Federation" are not insured.

The initiative to increase the amount of the insured amount in the bank was submitted to the State Duma in the summer of 2013, but since then there have been no movements. The initiative remained the initiative. But December 2014 made it necessary to consider and approve this initiative in an accelerated mode and increase the amount of coverage from 700 thousand rubles to 1.4 million rubles, together with the previously proposed 1 million rubles.

This measure is aimed at some reassurance of depositors who have more than 1 million rubles in ruble accounts. It is worth noting that individuals with foreign currency deposits have recently "get rich" twice in ruble terms simply due to the fall national currency. Therefore, the outflow of such deposits can be compensated by an increase in insurance coverage. Those. if in July a deposit of $20,000 in ruble equivalent was approximately 700,000 rubles, now $20,000 is about 1-1.4 million rubles.

However, the bill still needs to be approved by the Federation Council and signed by the President, which is likely to be no problem.

Prerequisites for increasing insurance coverage for deposits

The fall in the price of oil, the unfavorable macroeconomic situation, in fact, the gradual involvement of the country in the war, sanctions, a significant drop in the price of the currency and, finally, a sharp increase key rate The Central Bank led to financial markets The panic began.

Individuals, realizing that the strongest depreciation of money since 1998, rushed to the shops sweeping everything off the shelves. “Investing in TVs” is now a more popular form of investing money than keeping it on deposits in banks. The natural desire to spend money at the old prices led to the fact that banks were faced with the strongest outflow of capital, and some banks on this wave decided to seriously speculate by adding fuel to the fire - sending messages about difficulties in banks. For example, Sberbank

Will ASV survive?

When deciding to increase the amount of compensation, of course, no one proceeded from the real possibilities of the DIA to serve new size insurance coverage. At the end of December reserve fund DIA (Deposit Insurance Agency) is just over 74 billion rubles. At the same time, one recently, the ROST banking group was on the verge of revoking its license; significant problems are also observed in TRUST bank. Both of them were sent for reorganization, since the amount of deposits of individuals in TRUST bank at the time of the announcement of its reorganization amounted to more than 144 billion rubles. Given the extremely risky lending policy of the bank in last years, probably the "hole" (the gap between assets and liabilities) will exceed 74 billion rubles, which would immediately raise the question of the insolvency of the DIA.

Of course, in this case, the Central Bank would come to the aid of the DIA, but its resource is also limited. It is one thing to provide a loan to the DIA, and another to start issuing money. The second will lead to galloping inflation, which will be prohibitive.