VTB is one of the two largest Russian banks. The state share in VTB Bank is even higher than in Sberbank( 60.9% vs. 50%).State participation, on the one hand, provided the bank with the sanction of the West in 2014, on the other hand, guarantees VTB the confidence of depositors. However, the main bank VTB does not work with individuals for whom a subsidiary bank of VTB 24 was established, the most profitable deposits of which will be discussed in this rating. The data are relevant for Moscow, St. Petersburg and all regions of Russia for October 2014.
3rd place. Contribution "Comfortable".This contribution is most beneficial to those investors who plan to withdraw part of the deposit without losing interest. Replenishment of the deposit "Comfortable" is also possible. The deposit term is from 6 months to 5 years. The minimum withdrawal amount is 15 thousand rubles, or 500 dollars or euro, if the deposit is opened in foreign currency. The interest rate depends on the term of the deposit and the irreducible balance. With an amount of 100 thousand rubles and a capitalization of interest, the rate for a period of 395 days is 6.77%, and for an amount of 1.5 million rubles - 6.98% per annum. With the amount of 50 thousand dollars on the same terms, the rate of 2.17%, with the amount of 50 thousand euros - 1.97%.
Whale - symbol of this contribution
2 nd place. Deposit "Accumulative".This contribution is most beneficial to those investors who do not plan to withdraw part of the deposit, but plan to replenish it. The deposit term is from 3 months to 5 years. At a term of 395 days and the amount of 100 thousand rubles, the interest rate is 7.30% taking into account the capitalization. With the amount of 50 thousand dollars on the same terms - 2.28%, with the amount of 50 thousand euros - 2.07%.
1 st place. Deposit "Profitable".This deposit offers the highest interest among the whole range of VTB 24 deposits, but it can neither be replenished nor partially withdrawn. The deposit term is from 3 months to 5 years. At a term of 395 days and the amount of 100 thousand rubles, the interest rate is 8.11% taking into account the capitalization. With the amount of 50 thousand dollars on the same terms - 2.38%, with the amount of 50 thousand euros - 2.17%.All options for the ratio of the amount, term and interest rate for this and other VTB 24 deposits can be downloaded in the attachment to the article.
