Sberbank from March 6 launches the promotion "Additional percentage" with elevated rates of 3, 6, 12, 24 or 36 months. The contribution rate will depend on the amount and validity period of investments, the current and maximum balance of available deposits in the bank over the past three months and the method of opening a contribution (offline or online), the press service of the bank reported.
The maximum rate of the new promotion will be 4.5% per annum when placing funds for 2 and 3 years. True, not all can receive income on this rate. 4.5% per annum will be charged only to new customers, as well as those whose amount of balances on ruble deposits in Sberbank did not decrease in the last three months. For the remaining yield of investments will be calculated on the complex formula.
The minimum deposit amount is 100,000 rubles. You can open it from March 6 to April 5th.
Before the introduction of this promotion, the maximum retail deposit rate in the state bank was 3.5% per annum before the capitalization of income (the contribution of "Save Online" in the amount of 400,000 rubles, the term is 1-2 years).
The promotion "Additional percentage" with the same maximum rate acted in Sberbank in the framework of the New Year's action until January 31. "Depositors perceived it very positively. We hope that now elevated rates on the promotion of the "Additional Percentage" will become an incentive to accumulate funds for our clients, "the press service of Sberbank Director of the Division of the Division" take and save "Sergey is wider.
After the market
Sberbank launches spring promotion after other major players in the bank retail. This week, special offers for investors appeared in VTB, Rosselkhozbank, St. Petersburg Bank, Sovkombank, OTP Bank, Citibank, Mail Bank, etc. Monitoring VTIMES shows that the maximum rates of spring deposits and stocks for investors, For a rare exception, they do not exceed the yield of investments in themselves.
Some representatives of banks explained the launch of contributing products with elevated competitions for the funds of depositors in the high spring season, and analysts - reducing funds on customer accounts during growing lending.
Sberbank experienced a significant seasonal outflow of funds in January: by 2.8%, 0.4 trillion rubles. up to 15.27 trillion rubles. But in February the situation spent somewhat. The funds of the population in Sberbank rose by 1.1% in all currencies and amounted to 15.38 trillion rubles in ruble equivalent, the Bank reported on March 5.
With the help of promotion, Sberbank seeks to move part of the contributors from competitors, the managing director of the NKR rating agency Mikhail Doronkin: "Now the maximum rate on deposits in Top-10 banks is 4.5%, which noticeably exceeds the average rates in Sberbank. This may be due to both the desire to stabilize the dynamics of client funds and plans for increasing retail lending. "
According to Doronkin, say that other banks will follow the example of Sberbank, early, much will depend on the dynamics of the population in a particular bank. "Banks will strive to keep rates of attracting at the current level in order to preserve the business margin. A massive increase in rates can be expected closer to the end of the year, when a high probability of the Bank of Russia will switch to a neutral monetary policy and will begin to gradually increase the key rate, "he argues.
Sberbank regularly offers promoters with elevated rates, reminds Senior analyst BCS Global Markets Elena Tsareva: "Such a product allows you to maintain funding and form a liquidity pillow to build a loan portfolio. The Bank has big plans for the issuance of mortgage, plus it probably expects to increase the demand of loans for loans with an increase in economic activity. "