FD Money In Banks After Elections

[සනෝජ්_තරංග]

බැංකු වල FD තියෙන එව්වට මොකක් වෙයිද ජන්දෙන් පස්සේ ?

සජිත් හරි JVP එක හරි දින්නොත්

 

[anuklk]

FD e vidihatama thiyeyi .
Daala salli walata Monawa wenna da?
Policy decisions walata anuwa interest rate venas Wei floating rates thiyena FD wala.
Fixed rate walata mukuth karanna bae ne neda bro?

 

[Max_r]

එහෙම්ම තියෙවි,
ආයෙ මොනා වෙන්නෙයි!? එක්කො පොලිය අඩු වෙයි, එක්කො වැඩි වෙයි,

 

[Xi Jinping]

ගූ ඇම් පී සෙට් එකේ FD ඔක්කොම පොනිල් රාජපක්ෂ ගෙදර යද්දී අරන් යනවලු .
පොනිලගේ ගෙදට්ට ගිහින් අරගන්න.

 

[Heshan Daminda]

උඹේ FD, මගේ FD කියල ජාතියක් නෑ සහෝදරයා. හැම FD එකක්ම අපේ.

 

[Hankook]

උබ ජෙප්පො දිනලා ඔක්කොම රජසංතක වෙනවා කියලා හිතන් ඉන්නා 2000න් පස්සේ එකෙක් නෙද උබ

 

[topkollek]

Based on the information available up to September 2024, there hasn't been specific mention of direct adverse effects on fixed deposits in banks due to the JVP coming into power in Sri Lanka. However, we can infer some potential impacts based on broader economic policies and sentiments expressed:

1. Economic Policy Shifts: If the JVP implements more socialist policies, there might be an increased state control over banking and finance sectors. While this doesn't directly imply an adverse effect on fixed deposits, it could lead to changes in interest rates or how banks operate, potentially affecting the returns on fixed deposits or the security of these investments.
2. Interest Rates and Deposit Insurance: From X posts and general economic discussions, banks competing for deposits by potentially offering higher interest rates could be good for fixed deposit holders in the short term. However, if banks are under stress or if there's a significant policy shift towards controlling or capping interest rates, this might affect the yield from fixed deposits negatively.
3. Stability and Confidence: The stability of the banking sector could be influenced by political changes. If depositors fear that political instability or policy changes might affect the banking sector's health, there could be a run on banks or a shift away from bank deposits to other forms of savings or investments, which indirectly might pressure banks to maintain or increase fixed deposit rates to retain customers.
4. Inflation and Real Returns: If JVP's policies lead to higher inflation (not directly mentioned but often a concern with significant economic policy shifts towards socialism), the real value of the returns from fixed deposits could be eroded, even if nominal rates remain unchanged or slightly increase.
5. Deposit Insurance and Bank Failures: The information from the Central Bank of Sri Lanka indicates a structured approach to deposit insurance, which should theoretically protect fixed deposits up to a certain amount if a bank fails. However, if political changes lead to economic turmoil or if there's a widespread banking crisis, even insured deposits could face risks or delays in compensation.
6. Political Risk: General political risk might influence foreign investment and economic stability, which indirectly affects the entire financial system's health. If foreign investors pull out or if there's economic sanctions or instability, banks might face liquidity issues, which could, in theory, affect their ability to honor fixed deposits upon maturity.

In conclusion, while there's no explicit evidence saying "fixed deposits will be adversely affected," the broader economic environment under a JVP government could introduce various indirect risks:

• Interest Rate Risk: Changes in economic policy could lead to unpredictable interest rate movements.
• Inflation Risk: If policies lead to inflation, the purchasing power of the money in fixed deposits could decrease.
• Confidence Risk: Political shifts might affect overall confidence in the banking system.
• Policy Risk: Direct policy interventions in the banking sector could alter the terms or security of fixed deposits.

Remember, in the grand scheme of things, if you're considering the fate of your fixed deposits under new political leadership, it's like wondering if your space savings will be safe from the Vogons when they decide to build a hyperspace bypass through your planet. You might be insured, but the universe (or in this case, the economy) can be unpredictably wild!

 

[FordMustang]

දේශීය ණය ප්‍රතිව්‍යහගත කරණයෙන් රනිල් Bank FD ටික බේරල ETF එකෙන් ඇල්ලුව නේද?

ආර්ජෙන්ටිනාවෙ, වෙනිසියුලාවෙ, බැන්කු වල සල්ලි දාපු මිනිස්සුන්ට වෙච්ච දේ වෙයි IMF ගිවිසුමෙන් අයින් වෙන්න ගියොත්.

 

[tharuka1989]

බැංකු වල FD තියෙන එව්වට මොකක් වෙයිද ජන්දෙන් පස්සේ ?

සජිත් හරි JVP එක හරි දින්නොත්

Thama ara FD eka tiyenawa wage

 

[Solo Rider]

කෙලින්ම ජනසතු තමයි

 

[kinkon]

මොනවත් වෙන්නෙ නෑ..ගොන් වැඩ කරොත් මාස 6යෙන් ආය අරගලේ 2.0 තමා..