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Deposits of consumers

Involvement of deposits of consumers are one of the important kinds of bank operations of JSCB  «Senagat».

At present  Joint-stock Commercial bank "Senagat " makes operations on involvement  of means of the population in deposits on various kinds of contributions which from the point of view of the order can be broken withdrawals on two basic groups:

a) deposits  till called for

b) urgent depositary contributions.

JSCB «Senagat» guarantees full safety of the money resources entrusted to it and their delivery under the first requirement of the investor.

Joint-stock Commercial bank "Senagat" offers the population following kinds of deposits in national currency:

  • call deposits;
  • target deposit for children ;
  • deposits of«Care of parents»;
  • deposits of«Population Health - wealth of the country»;
  • deposits of«Children our future»;
  • deposits of «New manat – new life»;
  • deposits of "Profitable".

Call deposit  - the most widespread kind of the deposit. This kind of the deposit enables owners to receive the enclosed means under the first requirement. Money resources on such accounts are enlisted both cash, and non-cash by and are removed as parts, and completely. It safely and economically. The main advantage of these accounts is their high liquidity, an opportunity of their direct use as means of payment. The basic lack of this kind of the deposit for the investor - the low interest rate. Delivery of money from this deposit is made after presentation of the document proving the identity of the payee.

Among various kinds of contributions a special place kept   deposits as the most widespread. Reception of the deposit is made by cashes addressed to the certain person at presentation of the passport. Under such accountsstipulates the minimal sum of an initial payment. Under depositary accounts duly charge of percent is made, thus the bank guarantees unobstructed delivery of means on the added percent to the owner of the account. However at preschedule withdrawal of the deposit the investor loses the raised percent and paid the percent established under the deposit if other is not stipulated in the contract.

Target deposit for children–accepted from persons irrespective of related attitudes addressed to children in the age of till 16 years and a period of storage before achievement of majority under 6 % of annual. An initial payment not less than 20 manat.Interests are charged and paid monthly.

Deposits of «Care of parents» -keeping time  from 6 months till 1 year under 10 % of annual . This kind of the deposit  is developed specially for pensioners. The sum of an initial payment not less than 20 manatat presentation of the pension certificate. Interests are charged and paid monthly.

Deposits of «Population Health - wealth of the country»- keeping time  from 6 months till 1 year under 5 % of annual. The contribution we shall apply to the citizens who have concluded the contracts of voluntary medical insurance. The sum of an initial payment not less than 20 manatat presentation of the passport of medical insurance. Interests are charged and paid monthly.

Deposits of «Children our future»- keeping time 1year. Deposits are accepted addressed to children in the age of till 16 years from persons, irrespective of related attitudes at presentation of the birth certificate of the child under 7 % of annual interest. The bank to birthday of the child gives a memorable gift. After term of the contract the deposit can receive the investor, his parents or lawful representatives. The sum of an initial payment not less than 100 manat.Interests are charged and paid in the end of year.

 

Deposits of «New manat – new life» - keeping time of 1 year under 10% of  annual interest. The sum of an initial payment 2000 manat. Interests are charged and paid monthly.

Deposits of  "Profitable"-  the minimal sum of payment 1 000 manat

·  keeping time of 1 month  – 1,5% of  annual interest;

·  keeping time of 3 month – 3% of  annual interest;

·  keeping time of 6 month – 4,5% of  annual interest;

·  keeping time of 9 month – 7% of  annual interest;

· keeping time of 12 month – 9% of  annual interest.

Interests are charged and paid monthly.

  • Call deposit» - 0,5% of annual, deposit is paid at will of the investor.

     In the further JSCB of «Senagatт» will keep main principles of depositary policy which is spent in coordination with a policy of the Government of Turkmenistan, aimed on creation of favorable conditions of improvement, growth of economy of Turkmenistan and steady increase of a standard of life of the population.

 

ILATYŇ GOÝUMLARY

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