On December 28, the Central Bank will publish a summary of the key rate discussion. The next meeting is scheduled for February 14, 2025.
What analysts expected
Experts predicted that the key rate would increase by 2 percentage points, to 23% per annum. This was supported by high inflation and the weakening of the ruble, which fell against the dollar by 11% in November, to 114 rubles per dollar. The official exchange rate for December 20, 2024 is 103.42 rubles.
Some analysts allowed for the rate to increase to 24-25% per annum. This level should become the ceiling, economists noted. No one expected the rate to remain at 21% per annum.
The market has already priced in a 1-3 p.p. increase in the key rate from poland number for whatsapp the current level. Banks have begun to raise rates ahead of the Central Bank's decision. Thus, Sberbank increased its deposit yield to 22.5% per annum, VTB - to 24% per annum. Maximum deposit rates in the largest banks in the first ten days of December 2024 reached a record 22.08% per annum.
The growth of rates is also influenced by the desire of banks to attract depositors before the New Year. You can compare interest rates on deposits in different banks and choose where it is more profitable to put your money in the "Deposits" section on Compare.
prolongation conditions.
When deciding where it is most profitable to open a deposit, it is necessary to take into account all the above conditions for opening a deposit. This approach will ensure the safety of the client's funds and the receipt of maximum income.
Required documents
Making a deposit requires the mandatory conclusion of an agreement. To prepare it, it is enough to submit an application. It is filled out in paper format at the office or online on the website of the bank selected for cooperation. When signing the agreement, the depositor confirms his identity by presenting a Russian passport.
When investing large sums, in some cases the bank requires providing documents on the origin of funds. A simple and prompt procedure for opening a deposit is one of the important advantages of this type of banking services.
The most profitable bank deposits provide for the impossibility of partial withdrawal and replenishment, as well as capitalization. Another nuance is the loss of most or all interest in case of early termination of the agreement with the bank. Below are the most attractive deposits available on today's Russian financial market.
It's extremely simple: