Binbank returned customer confidence

The joint work of Binbank and the Central Bank returns the money of customers after the regulator of the interim administration in the bank.

This is almost the first example when, through a record short time after the start of the Commercial Bank improvement program, its liabilities are growing. For November, the portfolio of deposits of individuals in Binbank grew by 8 billion rubles, amounting to almost 484 billion rubles as December 1. The dynamics continues in December. In the early days of the month, deposits of the financial institution “grew up” by more than 2 more billion rubles.

In fact, this is the first sign of the “gradual healing” of the bank. In this situation, the financial institution should thank their customers and depositors, who, at the first “rings of thunder” did not succumb to panic. There is nothing worse than panic in the financial market. And if there were lines of customers that devastate their deposits near Binbank, then the mouth would have spread this news. However, as already mentioned, the flow of deposits only increases. Now it is 483.9 billion rubles. The share of currency deposits in the bank is 12% of the volume. Bank assets according to November 1 - 2.3 trillion rubles (11th place in the banking system).

Binbank was sanitized using new technology: through the Consolidation of the Banking Sector (FKBS). He became the second commercial bank, whose financial situation is asked in a new way. The first was the Bank "Opening". The essence of the sanitation method through FKBS is that the Central Bank is directly involved in the process, which allows you to heal commercial banks with small investments, but with maximum efficiency.

This could not be said about the previous method - through the deposit insurance agency (DIA). A number of economists expressed concerns whether inflation will accelerate at the expense of funds allocated by the Central Bank for sanitation of commercial banks. Their fears were groundless . According to the Russian Union of Taxpayers, this money "does not create excess liquidity and do not have the inflationary consequences of the economy."

According to the data on the Central Bank’s website, in the TOP-10 banks of Russia, consisting of Sberbank, VTB 24, VTB, Raiffeisenbank, Gazprombank, Binbank, Alfa-Bank, FC Opening, Promsvyazbank and Rosselkhozbank, the average deposit of physicists is about 7.39%. At the same time, in Binbank for individual products, it is 8.3%, fitting into the guideline set by the regulator - attracting money to the population is no more expensive than the average deposit rate in Russian banks plus 3.5%.