Task 14. (2 points)

Ivan opened a deposit in a bank for an amount of 100 thousand rubles. The bank is a participant in the state deposit insurance system. How much money will Ivan receive if the bank's license is revoked / the bank goes bankrupt?

a) Ivan will receive 100 thousand rubles and the interest that has been accrued on the deposit in full

b) Ivan will receive 100 thousand rubles, as according to the legislation, only the initial investments are subject to return. Interest on deposits is not returned

c) Ivan will not receive any funds, as in the deposit insurance system, only deposits of 500 thousand rubles or more are insured
# Solution:

In accordance with the federal insurance law Federal Law No. 177-FZ of $23 \cdot 12.2003$ (as amended on 20.07.2020) "On Insurance of Deposits in Banks of the Russian Federation" (with amendments and additions, effective from 01.10.2020), compensation for deposits in a bank where an insurance case has occurred is paid to the depositor in the amount of 100 percent of the deposit amount in the bank, but not more than 1,400,000 rubles. The deposit amount includes not only the funds deposited by the depositor but also accrued interest. Therefore, Ivan will receive back 100 thousand rubles and the interest that has been accrued on the deposit, in full.