GPB increased rates on short deposits

Since October 19, Gazprombank has increased rates on short deposits, follows from the updated tariffs on the website of the credit institution, which were read by RBC Investments.

On the deposit “New money” increased rates for terms up to three months. They now constitute:

for two months - 12.7% (+0.20 p.p.); for three months - 13.6% (+0.15 p.p.).

The maximum deposit rate is 13.6% per annum for periods from three to six months. The rates are given taking into account the premium for the investment of new money. The allowance is calculated when investing funds that exceed the total balance on the accounts and deposits of the bank during the last 30 days. An example of calculating the surcharge for new money can be found on the bank's website. Without a surcharge, rates are reduced by 3 p.p.

The minimum amount of investments when opening online through the GPB application is х15 thousand, in the offices of the bank - х300 thousand.

On the deposit "Smoke" with allowances for different categories of customers, the rate increased for a period of three months to 12.8% per annum (previously 12.65%). The maximum deposit rate has not changed and is 12.8%, but is now available both for three months and for six months.

The rates are indicated when opening a deposit online and taking into account a premium of 0.2 p.p. for new customers or those who receive a salary or pension on bank cards. When opening a deposit in the bank's office, rates become lower by 1 p.p.

On the contribution of "In Plus" with the payment of interest at the end of the term, the yield increased for three and four months - to 13.6% per annum (+ 0.2 percentage points). The maximum deposit rate has not changed at 13.6%, but is now available for periods of three to five months.

The rates are indicated taking into account an allowance of 3 p.p., to obtain it, you must connect the option “Accumulations” in the paid service “Gazprom Bonus Plus” or “Gazprom Bonus Premium” or have a total minimum balance on all savings accounts last month at least х 500 thousand and maintain it at this level. The minimum investment amount is жен15 thousand.

Gazprombank last reported an increase in deposit rates in early October.

Average deposit rates

RBC Investments calculated the average maximum rate on deposits in the top 10 largest banks. On October 19, depending on the date, it is:

for three months - 13.46% (unchanged for the week, from october 12); for six months - 13.33% (+0.04 p.p.); for one year - 12.63% (+0.01 p.p.).

When calculating the average maximum rate, deposits in the amount of е100,000 were taken into account without additional conditions, except for new money or new customers. All rates are indicated in an effective amount (for deposits with capitalization, the maximum yield is given when this condition is met), without the possibility of withdrawal and replenishment of the account.

As of October 19, according to the daily FRG100 index, in the 81 largest banks, the average deposit rate for the amount of ам100 thousand, depending on the term, is:

for one month - 12.32% (+0.04 p.p. per week); for three months - 13.04% (+0.01 p.p.); for six months - 12.83% (+0.01 p.p.); for a year - 11.87% (+0.10 p.p.).

Rates are indicated excluding allowances and financial platforms.

The most favorable rates on deposits on October 19

According to the monitoring of RBC Investments, as of October 19, according to the proposed yield, depending on the term, the leaders are:

for three months - Bank Dom.RF with a rate of 14.5%; for six months - PSB with a rate of 14.15%; for one year - PSB with a rate of 13.9%.

Deposits in the amount of ы100,000 were counted without additional conditions, except for new money or new customers. All rates are indicated in an effective amount (for deposits with capitalization, the maximum yield is given when this condition is met), without the possibility of withdrawal and replenishment of the account.

Which banks have changed deposit rates

According to the monitoring of RBC Investments, among the top 10 banks last week, from 12 to 18 October, changed rates or conditions for savings products:

Alfa-Bank multidirectionally changed the rates on deposits; VTB raised rates on VTB-Vlade for two months and raised rates on the savings account.

The conditions for deposits and savings accounts specified in the material are not a public offer, they are placed solely for preliminary acquaintance. Before making a decision on the placement of funds in a banking organization, it is necessary to specify in it the full conditions on the date of opening the deposit.