Aleksey Kuzmin
CJSC CB “Rosinterbank”, First deputy Chairman of Board
Absolutely, the majority of clients are cautious to keep in banks deposits which exceed the threshold sum of the guaranteed compensation. Moreover, very often it does not depend on the bank and its size. Experience shows that between the end of 2013 and the beginning of 2014 licenses were recalled from large-scale banks as well.
Currently the 77% of deposits of physical entities are the sums which fall within the constraints of the mentioned insured sum, the 11.9% - in the range from 700 thousand to 1 million rubles and the remainder of 11.1% deposits - above 1 million rubles.
Since the beginning of 2014 we’ve noted a tendency, when the clients were trying to “diversify their risks” and were splitting their large-sized deposits into sums with 700 thousand rubles limit.
In our opinion increase of the insurance sum threshold up to 1 million rubles is a logical step which will make the big depositors more protected, will let them feel more confident and stop thinking of alternative means of investing their free monetary funds. We also consider that this measure will promote the return of the part of deposits the outflow of which has been observed since the beginning of the year. Inflow of monetary funds and the increase of the liquidity of the banking system of the country will be just to the point, considering the current situation in the capital market.
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Aleksandr Turskov
Bank Intercommerce, Vice-president
As of today the portion of the deposits from 700 thousand up to 1 million rubles in deposit portfolios of the banks is not substantial. Considering today’s reality when deposits up to 700 thousand rubles are insured by the government, the citizens, who own larger sums just split them into several smaller parts and within the limits of the insured amount spread and place the sums in different banks. In this way such investors insure all their monetary means.
Adoption of the mentioned bill in the long run will lead to the gradual increase of the quota of deposits in bank liabilities with sums of above 700 thousand rubles. But this process will be stretched in time and a distinct practice should be settled down, i.e. the investors should make sure that the new mechanism really works. Let’s mind that the idea of the new bill is the following: upon the bank’s bankruptcy the insured 700 thousand rubles will be compensated from the AID fund whereas the additional 300 thousand rubles will be reimbursed later at the expense of the funds accumulated from the sale of the means of the bankrupt bank. That’s to say this way or the other we talk about excessive risks for investors not only because of the expected longer payback period of the compensation sum, but for the fact of the limitedness of that very competitive pool’s volume. Theoretically the following situation is quite possible when the bankrupt bank’s means may not be sufficient to cover even the creditors’ compensation sum from the first things first list.
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Yuliya Malishkina
MTC Bank, Director of the Department of elaboration of business processes and products description
The issue is about the priority rights for receiving back from the means of the same bankrupt bank the insured reimbursement set for such investors who have deposits from 700 thousand to 1 million rubles as compared with other creditors having the same issue. To some extent that for sure will positively influence the market. Investors will place big sums in one bank instead of several other ones and that will not cause substantial changes. Availability of funds for such types of payments within the bank for investors is quite vague and moreover, the time-frames for compensations could be heavily stretched.
The portion of such deposits in MTC-Bank makes around 10%. We do not observe any active growth of the given segment.
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