The wait is long.
Currently, Sberbank offers its customers several options of Deposit with a maximum rate of 7.4% per annum. Whether increasing the maximum Deposit rates in the near future? The expert clarified the situation.
According to the forecast of the head of intelligence of deposits of the resource “Banks” Yulia liovochkina Prasinoi, the increase in rates on deposits in Sberbank and other Russian banks will occur throughout the year 2019. The highest rates on deposits for consumers will appear in the second half of 2019. Rate the best contributions will be 9-9,5% per annum in the case of term deposits.
Proshin said that achieving a double-digit rate of return on deposits are not expected in the savings Bank or in other banks. This means that the mass of available deposits with interest rate 10% or more will not appear. The main reason is that the Central Bank will constrain the growth rates of consumer deposits.
It is important to note that the expert forecast is very optimistic. Many experts directly from the banks believe that the rates on deposits for Russians will grow much less readily. In General, we expect the average level of rates of a sample of 2018, said in “Post Bank”. If growth happens, it will be 0.3-0.4 percentage points.
However, for many Russians, and this growth will be enough to invest their resources. The interest of Russians to consumer deposits in banks continues to grow. In the last eighteen months, he grew particularly strongly due to the fact that in December of 2018, the majority of banks have launched special deposits with higher rates. Many of these deposits is still in effect.