In a situation of crisis, the question is acutely about the stability and reliability of the bank, in which you keep your savings, carrying out the most profitable deposits in banks.
If the bank has the amount of up to seven hundred thousand rubles, you can relax and stop watching exchange news, because in the package of 2008 laws, among other things, there is a clause on an increase in the amount of state guarantees of citizens’ deposits in banks to 700 thousand rubles. We emphasize in all banks. And if something happens to the bank, getting your contribution will be easy enough. You can find out in the press about the recall of the license from the bank and the beginning of payments for deposits in deposits. In addition, the State Agency for Insurance of Deposits of Individuals will post information on the occurrence of an insured event in the bank, as well as where you can get compensation for the deposit. And finally, the agency will also notify each depositor in writing about the bank’s problems. Then, with the passport to which the deposit was opened, a person goes to the place of payments-this is one of the 24 authorized agencies of bank banks-and at the request receives insurance. Typically, the bank liquidation procedure lasts 2-2.5 years, so you can not be afraid to be late with your contribution.
What if the deposit amount was more than 700 thousand rubles? Calm down, the rest of the money is also not lost irrevocably. The depositor remains a bank creditor and in the process of eliminating the assets and property of the bank can get its money. Completely or not – depends on the value of these assets.
Whether the matter will come to bankruptcy and the liquidation of the bank in which you specifically have a contribution, no one can say exactly now. But try to evaluate the degree of stability of the bank in the current situation. The criteria are here. The first, and the most important, is the readiness of the owners of financially support their bank. This may be the state – the most reliable shareholder in the current conditions, or the maternal foreign bank, the “daughter” of which works in Russia, or a large Russian corporation, which, in which case, will not abandon its bank in trouble. Please note that investment banks are usually announced about problems and bankruptcies in the world, while traditional feels good. The second criterion is the share of deposits in a particular bank. If it is less than a quarter in the bank’s obligations, then even a panic flight of depositors will be able to survive quite calmly.
Also evaluate deposit rates, if they are higher than the average market – the occasion is more careful about the bank. Further, it is important how the bank’s own capital and its assets correlate. The more relatively its own capital, the less the debt load of the bank and, accordingly, less risk.
And finally, it is very important how great the debt of borrowers on loans to this bank. The more, the accordingly, worse.
In other words, now, before deciding on any emergency actions, it is worth studying the “personal case” of the bank. Money loves not only silence, but also calm, and the famous law of financial players reads: “An emotional amateur in a crisis situation collects all the risks that can only collect”.