Due to the constant changes in the financial and political life of our country, many residents do not risk investing their savings in deposit accounts of Russian banks. The same applies to the credit programs of these financial institutions. For those who still want to use banking services, but do not know in which bank you can take a loan or open a deposit, we offer a rating of the best banks in terms of reliability of the Russian Federation, based on the expert opinion of financial specialists and data from the Central Bank, as well as reviews of ordinary clients of these banks.
Comparative table: TOP-10 of the best and most reliable banks in Russia
The problem of working with clients is a real scourge of the Russian service sector. Unfortunately, this also applies to the work of bank employees. Unprofessionalism and rudeness can be found everywhere. If you really want to get reliable information about banking offers, it is better to check with not one, but several representatives of the company.
1. Sberbank
The largest financial association of the Russian Federation, it has the largest share of total monetary assets - a little less than 30%. The loan portfolio is 14 billion rubles, which is three times more than that of the closest competitor. The main advantage of the institution is that it is a state structure: investors are not threatened with the loss of funds as a result of license revocation. It has the most extensive infrastructure in the country, ATMs are found even in the most seedy towns.
Advantages of the bank:
- Minimum mortgage rate;
- Extensive infrastructure;
- A good and thoughtful bonus program for deposits and loans;
Flaws:
- Poor service culture;
- Long wait due to long queues;
- Periodic difficulties with the operation of computer software.
2.
Today, the bank offers a wide range of services for both individuals and small and medium-sized businesses: from package services to depositary services, bank guarantees and loan programs. About a million Russians and 26,000 companies use the bank's services. In the percentage of deposits, the bank's share is 8.9%. Most user complaints are related to the level of service in regional offices.
Advantages of the bank:
- Good bonus program for depository offers;
- A large number of offices in large cities;
- Convenient online version of bank account management.
Flaws:
- Low level of service;
- A small number of branches in small cities of the country.
3. "ROSBANK"
A subsidiary of the Societe Generale financial group from France. The bank has invested state assets, so the risk of revocation of the license is negligible. This is a universal banking structure serving enterprises of any business area and private investors. Offers tempting loan offers beneficial for small businesses with low annual interest. User reviews are both positive and negative. The main negative, as in 90% of other cases, is associated with the unprofessionalism of the service personnel and the irrelevance of data on the location of the bank's operating branches.
Advantages of the bank:
- Favorable loan offers;
- Availability of state capital;
- Support for foreign banks.
Flaws:
- Poor service culture.
4. RAIFFEISENBANK
Another daughter of the European financial structure, the Austrian company Raiffeisen Bank of the same name. Every year it takes one of the leading places in the ranking of the best Russian banks. Works with both private and corporate capital. Flexible deposit programs, favorable credit conditions, a well-thought-out and convenient version of the online bank - these are the main advantages of this financial institution. According to the bank's clients, the service is at the level, but there are also annoying shortcomings when employees provide an incomplete set of information.
Advantages of the bank:
- A subsidiary of a well-known and proven banking structure;
- An extensive network of institutions;
- Favorable credit projects;
- Convenient self-service system.
Flaws:
- Low professionalism of employees in regional offices.
5. CITIBANK
The provision of deposits is guaranteed by the largest American concern "CityGroup", which owns this subsidiary. There are branches in all major cities of the Russian Federation, where the company's infrastructure (self-service departments, branches and ATMs) is 100% developed. The bank mainly specializes in serving large intercontinental corporations, but there are profitable and affordable offers for deposits and credit deposits for individuals. Ordinary customers praise for a well-thought-out Internet banking system and the ability to withdraw deposit funds through ATMs in all corners of the world and without a commission fee.
Advantages of the bank:
- Supported by foreign capital;
- Convenient system for using funds from a bank account in other countries;
- A clear and convenient version of online banking.
Flaws:
- There are no branches in small towns;
- Low level of service in a number of regional offices.
6. INTEZA BANK
Representative of Italian capital in Russia: the bank is a subsidiary of the financial company Intesa Sanpaolo. Like other subsidiaries, it is more focused on working with large capital. For individuals, good credit programs and depositary offers are provided. The main branches are concentrated in major cities throughout the Russian Federation. Customer reviews are mostly favorable, most complaints are related to a misunderstanding of the situation itself by the consumer or bank employee.
Advantages of the bank:
- Bank for business lending;
- Favorable deposit programs
Flaws:
- Long-term receipt of funds in the branches under the "tax free" program;
- There was a boorish attitude towards customers in some branches of the bank.
7. Gazprombank
Bank with the support of state capital. Specializes in financing companies involved in the production and transportation of oil and natural gas. Works with individuals, convenient and profitable credit and deposit programs have been developed for them. The offer of car loans for individuals with a low interest rate is especially advantageous: the company has agreements with a number of large automobile concerns. There are branches of the banking enterprise not only on the territory of the Russian Federation, but also abroad.
Advantages of the bank:
- More than 3% of all residents of Russia trust the Bank with their investments;
- The bank's assets exceed 500 billion mark;
- High reliability of the bank, confirmed by international financial institutions;
- Good internet banking system;
- There is its own mobile application for accessing the account from smartphones and tablets;
Flaws:
- The network of own self-service systems and ATMs is poorly developed even in the regional centers of the country;
- The presence of negative feedback from bank customers.
8. VTB Bank of Moscow
Stable in the top 5 Russian banking institutions. A whole range of depositary and credit programs has been developed for private entrepreneurs, small and medium-sized businesses and individuals. A large number of Russians use mortgage and car loans in this bank. Part of its capital belongs to the state, so the risk of losing your money is minimal. In 2004, during the global financial crisis, the state already helped him: he was able to fulfill his obligations to clients.
Advantages of the bank:
- Good bonus programs for deposit and credit cards;
- A large number of own ATMs and self-service stations;
- Availability of a hotline - it works around the clock;
- The Internet banking system works quickly and without failures.
Flaws:
Online banking is not fully developed, a number of issues can only be resolved in branches;
- For SMS messages about debiting money from the account, you have to pay out of your own pocket;
- Negative feedback about the incompetence of individual employees;
- Minimum interest on deposits.
9. Rosselkhozbank
Currently, it ranks fifth in terms of assets in the rating of Russian banks. Like the rest top banks are backed by state capital. Specializes in servicing companies of the agro-industrial complex, also works with private entrepreneurs and individuals. There are a number of interesting offers on depositary and credit services.
Advantages of the bank:
- Availability of credit programs with low annual interest;
- No loan fees;
- Favorable conditions for maternity capital;
- Good credit conditions for young families.
Flaws:
- Compulsory insurance under credit programs;
- Low speed of service in branches.
10. VTB 24
A subsidiary of the financial holding VTB Bank of Moscow. The main advantage of the bank lies in its narrow specialization: it is focused on working with small businesses and individuals. Because of this, the bank has a well-developed infrastructure, has a large number of its own ATMs and self-service departments. Deposits will be in maximum security, as the bank has state funds.
Advantages and disadvantages of the bank:
- Almost 100% identical to the same parameters for VTB Bank of Moscow: the only difference is more interesting lending programs for individuals.
Which bank is the best to invest money in and where are the best credit conditions?
It is better to deposit money in banks where there is no state capital or where it is minimal. In such financial companies, unfortunately, the minimum annual percentage. But they provide the maximum available reliability of saving their investments. As for credit programs, the answer is not so clear: each bank has its pros or cons. In this matter, it all depends on the type of loan and the period for which it is taken.
Which bank to choose for a deposit? Let's take a closer look at this issue.
Deposits in banks are a kind of so-called passive income, when a person decides to open a deposit in a certain amount of money in order to make a profit. In addition, this type of banking operations is an independent source of income, which, accordingly, is subject to a certain tax from the state.
The main tasks of opening deposits
When investing your money in a bank, you first need to decide on the purpose of such investments. These may include:
- accumulation of funds;
- preservation of existing capital;
- various loans secured by a deposit;
- investment in the form of income from bets on the stock exchange.
Banking organizations need both to make a profit and to receive new funds, so they are trying in every possible way to attract depositors. For this, numerous programs are being developed that allow you to profitably invest your capital, but practice shows that of all such proposals, only two or three can be considered really profitable. Which bank to choose for a deposit is interesting to many.
When investing money, you must remember that not a single commercial organization will work to its own detriment, therefore, when choosing a reliable bank, you need to carefully study all its characteristics and programs.
How to choose the right investment program
Despite the fact that bank deposits are regulated and protected by law, the depositor must familiarize himself with all the basic and additional conditions established by the bank for a particular type of this operation.
These conditions may be:
- "floating" interest on bank deposits;
- method and periods of accrual of interest on the deposit;
- preferential conditions for various promotions.
Deposit amounts
The amounts of investments in the bank can be very different, depending on the capabilities of the client, as well as on the conditions of the program of the bank itself. Nevertheless, it is not recommended to invest more than 1.5 million rubles, since exceeding this amount will deprive the depositor of insurance payments. Such payments are made on all deposits, even within the same bank.
Thus, if a client has a desire to make a deposit in excess of 1.5 million rubles, you need to carefully choose a bank, as well as distribute the amount of such investments. It is important to find out thoroughly what interest on deposits in banks exists.
Terms of deposits
The main of all the provisions of the deposit opening agreement is the determination of the terms for which it is calculated. Interest rates largely depend on this, since, as a rule, the longer the investment period is planned, the higher the interest paid to the depositor by the bank. Some deposits differ in that the interest rates on them directly depend on the exchange rate. The terms of investment also depend on which investment program has been chosen. In this regard, there are such types of investments as savings, children, salary, pension, etc.
Possibility of carrying out all kinds of settlement operations and partial withdrawals of funds
There are banking programs, according to which the depositor has the opportunity to use funds when carrying out certain settlement transactions, for example, utility payments, taxes, etc.
Other deposit programs allow you to partially withdraw money, or, on the contrary, replenish your account.
There are widespread programs for deposits in Moscow banks, which provide for an irreducible threshold of interest rates.
At the same time, a part of the funds that cannot be used before the expiration of the investment agreement is determined on the account.
Bank ratings
The main way to decide when choosing a bank where you can make a profitable investment of money is to look at its ratings. As a rule, such information is provided by large rating agencies, such as Rus-Rating, Expert RA and others. This is a kind of protection of the rights of bank depositors.
A potential depositor can also study information on the credit statements of a particular bank, which is published on the official website of the Central Bank, or on the Banki.ru website. Such information will be extremely reliable, which will help you make the right decision when choosing a reliable banking organization.
Financial indicators are the main information confirming that the bank can be trusted. And in order to analyze how things are going in dynamics, you just need to compare such indicators for several past periods of time. The increase in bank assets in this sense is a good sign. In addition, the size of the authorized capital, that is, the amount of its own funds, speaks volumes.
How to choose a reliable bank
In order to be able to choose the best conditions for deposits in banks, here are a few basic recommendations:
1. Before making an investment in a bank, it is necessary to check the fact that the banking organization belongs to the Russian insurance system.
2. Determine the range of banks whose profitability analysis has shown good results.
4. Find out if various commissions or fees are provided for a particular investment, as well as get acquainted with the varieties of various additional services.
5. Ask about the opinion of other depositors about the reliability of a particular bank. Which bank to choose for a deposit?
To date, there are quite a few such banking organizations. The client is determined with a choice, based, as a rule, on personal preferences, feedback from people, the location of the bank, potential material benefits for himself, etc.
The list of such banks includes:
These are not all banks in Moscow. Deposits can also be opened in other financial institutions.
Deposits in the bank "Sberbank of Russia"
This bank is distinguished by high reliability and stability, plus everything - it is supported by the state. There are more transparent relations "bank - depositor". He participates in deposit insurance, and you can open an investment online. The minimum amount here will be 1 ruble, placement terms - from 1 month to three years, and interest rates from 3% to 7%, depending on the type and period of investment. Replenishment of funds is possible, as well as partial withdrawal of a certain amount of money.
This was not the case for this bank to deceive depositors.
"Ural Bank"
This rapidly developing banking organization, headquartered in Yekaterinburg, is the leader in its region in the banking industry. The bank has the status of a very reliable partner and offers quite profitable programs for cash investments.
What is the interest rate on bank deposits? On average, the rate on deposits is about 6%, the minimum amount of such an investment is 10 thousand rubles, the terms are from one month to five years. Deposit insurance is confirmed, and you can make a deposit by visiting a bank branch. Partial withdrawal or replenishment of funds is possible.
"Tinkoff Bank"
This bank also offers very favorable conditions for deposit programs, for example, everyone who has taken advantage of this opportunity receives a debit card. In addition, it is possible to open investments in various currencies, as well as withdraw money partially. Deposit insurance is present here, the minimum deposit is 55 thousand rubles, and the investment placement period is from 3 to 24 months. The minimum interest rate is 9%. You can open a deposit remotely.
VTB 24
Not very favorable conditions for opening investments are provided by this bank. The main reason for this is the too large amount of the minimum contribution - 200 thousand rubles. There are few programs for opening investments, which makes it difficult for customers to make a choice in favor of this bank.
Interest rates on deposits - 7.5%, terms of placement - from 2 to 60 months, interest is calculated monthly. Withdrawal of money is possible only under one investment program.
Where else can you make deposits at a high interest rate? There are still a lot of banks.
"Rosselkhozbank"
It is a reliable and stable bank, investments in which are profitable and convenient. The minimum term for placing a deposit here is from one month, the minimum contribution is 10 thousand rubles, interest rates are from 0.01% to 8.8%, depending on the type of investment. Profit is accrued monthly, replenishment and partial withdrawal of money is possible.
"Renaissance Credit"
A convenient and time-tested bank, where the minimum amount is from 1.1 thousand rubles, the placement period is from 2 months to 2 years, interest is charged according to the client's preference, and interest rates are 7-9%, depending on the type of investment. It is possible to open such a deposit in any available bank branch.
"Gazprombank"
In this bank, all deposits are subject to compulsory insurance, which is one of the main signs of reliability. The minimum contribution is rather big - from 100 thousand rubles, which will not allow every depositor to take advantage of the offers of this bank. Terms of investment placement - from 90 to 100 days, interest rates - from 0.01% to 8%, it is possible to replenish the account, withdraw funds partially - too.
"Binbank"
In this bank, depositors are given the opportunity to make an investment online, in addition, it offers numerous deposit programs with a relatively small minimum contribution - 10 thousand rubles, interest on bank deposits in the amount of 7%, and monthly accrual of profit. The minimum term for opening a deposit in this bank is 2 months, and the maximum is 2 years. Withdrawal of money in installments is possible.
Bank opening"
Approximately the same investment conditions as the previous bank for opening investments, except that the minimum contribution amount must be at least 50 thousand rubles. Interest rates are about 8%, and deposits or withdrawals are also possible.
"Alfa Bank"
This bank differs significantly from others in that when investing money, there is an opportunity to get a decent profit, but for this you need to make a large amount of money as an investment. In this case, the minimum contribution is 10 thousand rubles, at an interest rate of 4.1%. Interest is accrued monthly, terms of deposits from 3 months to 5 years.
"Sovcombank"
In this bank, there is a convenient opportunity to replenish deposits on a monthly basis, as well as making an initial payment in several steps. The minimum cash contribution is 30 thousand rubles, and the interest rate is from 5% to 9%. In addition, there is the possibility of withdrawing funds. Interest is calculated on a monthly basis.
Promsvyazbank
This bank provides depositors with the opportunity to save interest on deposits even in cases of early withdrawal of money in part. Interest is accrued only at the end of the investment period, the minimum contribution of which is 10 thousand rubles. It is also possible to replenish the deposit. Interest rates - from 6% to 9%.
Bank "UBRD"
The advantages of this bank are that the down payment is a small amount, and the variety of investments is very large. The minimum contribution is 1 thousand rubles, interest rates are 5-9%, profit accrual is monthly. Withdrawal of money is possible at any time of the deposit, as well as its replenishment. Stable and reliable bank.
"Bank of Moscow"
At this rate, the advantages on deposits are received by citizens who have opened a deposit via the Internet or an ATM. For them, the interest rate will be much higher. In addition, there are profitable offers for pensioners and payroll clients.
The minimum deposit amount is 1 thousand rubles, and the terms of placement - from 100 days to 36 months, at interest rates of 7.5-8.5%. Withdrawal of money partially - perhaps, replenishment of the account is welcome.
Mosoblbank
In this bank, as in many others, it is possible to receive monthly interest on deposits. Here, the amount of the first installment is relatively small, and it amounts to 10 thousand rubles, for the period of placement of such an investment for 1 year. Interest rates here are quite high, which allows the depositor to have a good income. These rates range from 6% to 9%. Replenishment and partial withdrawal of funds is possible. Which bank to choose for a deposit?
"Home Credit"
In this bank, you can open an investment in both Russian and foreign currencies, but it is not possible to partially withdraw money. You can top up your deposit. The interest rate here is from 7% to 9%, accrual of profit - monthly or once - at the end of the deposit term. The minimum deposit amount is 1 thousand rubles, which is also very convenient for those citizens who wish to open an investment, but do not have a large amount of money.
"Post Bank"
This bank has a good opportunity to open a deposit exclusively in rubles. For customers who have used the service via the Internet, interest rates will be higher than for those who open an investment in a bank branch. In this banking organization, the minimum contribution is 5 thousand rubles, at 7-9%, with interest accrued quarterly or monthly. Partial withdrawal of funds is possible, as well as replenishment of the deposit.
"AK Bars Bank"
The minimum amount of funds in this bank will be 5 thousand rubles, with the ability to replenish the investment or withdraw part of the money. Terms of deposits placement - from 1 month to 1 year, and the interest rate - 6-9%. Interest accrual is daily, which distinguishes this banking organization from many others, in which the minimum period for accruing profit is at least 1 month.
The annual data provided by the Central Bank in the public domain indicate that many Russian banks are being liquidated, and after the withdrawal of their license, although depositors can withdraw the insured part of the deposit, this process does not always go without problems and within the desired time frame. Unfortunately, not every Russian is financially literate enough to independently determine the degree of reliability of a particular financial institution. Therefore, we will consider official data on which bank is recognized as the most reliable in Russia in 2019.
In this article:
What is reliability?
In a general sense, the reliability of a financial institution is its ability to fully fulfill its obligations to its customers, which is more important for depositors and creditors. To determine the degree of reliability of the bank, it is enough to study its position in the official ratings, which are formed on the basis of an assessment of the most important performance indicators.
From a large list of indicators, it is enough for a potential investor or borrower to compare only a few of the most important of them, which will help to understand whether it is worth contacting the chosen organization.
- asset dynamics;
- liquidity ratios;
- net profit;
- loan portfolio;
- attracted deposits;
- dependence on the funds of individuals;
- investments in securities;
- balance sheet figures.
It is also important to take into account the performance indicators of the organization, for which they analyze the profitability of two components: assets and capital. These data show how efficiently the financial institution uses the funds available in free circulation. If the profitability is below average, then the owners of the bank will have to constantly replenish capital by attracting additional funds. If the profitability is high, then in order to increase capital, it will be necessary to refuse large dividends.
To assess reliability, many resources additionally take into account the assessment of rating agencies, customer reviews and public surveys. The main criterion for the Central Bank is still the sufficiency of the organization's own funds.
What criteria to pay attention to when choosing?
In order to choose a reliable organization for yourself, which will help not only save the available money, but also receive additional interest, a potential client should pay attention to the following points:
- It needs to be clarified whether the financial institution is included in the insurance system. To do this, you can call the hotline of the insurance agency.
- Check before signing a contract financial performance and official ratings for the last year. To do this, you can go to the website of the Central Bank of the Russian Federation, then go to the "Information on credit institutions" section, then enter the name of the institution of interest in the search bar.
- It will not be superfluous to study composition of founders. They can be both individuals and legal entities, however, the larger the founders are involved, the more confidence it should inspire.
- Interest rate on deposits and loans. An important point: the rate should not exceed the average level of the same indicator throughout the country. The average value of this indicator can be found on the website of the Central Bank in the "Dynamics" section.
Bank Reliability Rating
V January 2019 The Central Bank has already published a table showing comparative reliability data TOP 100 Russian banks. Consider the data of the first ten positions from this rating.
| № | Bank's name | Net assets as of 01.2019 in billion rubles | Net assets as of 01.2018 in billion rubles | Change per year |
| 1 | Sberbank of Russia | 28 133,8 | 24 193 | 16,29% |
| 2 | VTB | 13 949,4 | 9 676,4 | 44,16% |
| 3 | Gazprombank | 6 347,7 | 5 642,4 | 12,5% |
| 4 | National Clearing Center | 3 998,6 | 2 900,4 | 37,87 % |
| 5 | Rosselkhozbank | 3 467,4 | 3 193,3 | 8,58% |
| 6 | Alfa Bank | 3 400,2 | 2 673,4 | 27,19% |
| 7 | Credit Bank of Moscow | 2 239,3 | 1 915,7 | 16,89% |
| 8 | National Bank "Trust" | 1 688,9 | 624 | 170,26% |
| 9 | Bank FC Otkritie | 1 664,8 | 2 313,1 | -28,03% |
| 10 | Promsvyazbank | 1 533,3 | 1 278,7 | 19,92% |
Top banks with the best deals
In order to securely save your money or take a loan without shady conditions that pop up after signing the contract and making the first payment, it is better to choose banks that offer favorable service conditions, while being reliable compared to other financial institutions, which is reflected in the ratings and reports of the Central Bank.
Consider TOP banks with the best conditions and a high degree of reliability:
| № | Name of financial institution | Asset (in billion rubles) | Interest rate on deposits | Interest rate on loans | ||
| Min. | Max. | Min. | Max. | |||
| 1 | Sberbank | 28 133,8 | 4 | 5,6 | 12,9 | 14,5 |
| 2 | UniCredit Bank | 1 410,4 | Up to 9.8 | 13,9 | 15 | |
| 3 | Rosbank | 1 099,8 | 6 | 8,3 | 12 | 16 |
| 4 | Raiffeisenbank | 1 149,3 | 6,5 | 7,9 | 12,9 | 17,5 |
| 5 | Citibank | 552,6 | 6,5 | 9 | 14 | 15 |
| 6 | Intesa Bank | 63 | 6,5 | 8,5 | 13,9 | 17 |
| 7 | Gazprombank | 6 347,7 | 6,3 | 8,9 | 11 | 14 |
| 8 | VTB Bank of Moscow | 13 949,4 | 4,1 | 7,4 | 14,5 | 16,5 |
| 9 | Rosselkhozbank | 3 467,4 | 6,4 | 8,5 | 13 | 20,5 |
| 10 | VTB 24 | 4 569,2 | 4,1 | 7,4 | 14,5 | 16,5 |
Choosing one of the banks presented in the table, you can no doubt trust him with your savings or get a loan at a profit, including on a bank card with the condition of interest-free cash withdrawal (you need to check with the manager).
Which bank is better for business and savings?
If you choose an organization for the most profitable investment, then it is better to turn your attention to banks where the presence of state capital is minimal. Such institutions usually offer the highest annual interest on deposits, and there are also lucrative deposit bonuses. The following have performed well: Bank "Intesa", Raiffeisenbank, UniCredit Bank.
When choosing a bank for business, you need to focus on the term of the contract, the type of loan and the interest rate. Some offer favorable conditions for business: VTB Bank of Moscow, Rosselkhozbank, VTB 24, Gazprombank, Intesa Bank, Citibank, Rosbank, Sberbank. At the same time, it is important to thoroughly study all the pros and cons, as well as reviews from other customers, before visiting the chosen organization.
To understand which of the banks is considered the most reliable in Russia in 2019, just look at the ratings of credit institutions. Rating is an objective assessment of activity, which consists of several indicators that most clearly reflect the position.
It is very important to objectively assess the reliability of a banking institution before using its services. This is especially important if you want to make a contribution to it, i.e. invest in long-term storage of their own funds. Now many banks lose their licenses and close, and depositors are forced to wait months for compensation on their accounts.
- Main indicators
- assets (net)
- profit net
- capital
- loan portfolio
- arrears
- deposits (raised funds)
- investments in instruments (securities).
- Performance indicators
- Return on capital.
- Return on assets.
- Balance indicators.
- Instant liquidity ratio
Limits the risks of loss of solvency of a banking organization within one day. This is the ratio of assets to liabilities throughout the day. The minimum value set by the Central Bank of the Russian Federation is 15%.
- Return on equity
It is an indicator of how effectively the organization's own funds are being used. Profitability above average may indicate a large share of a cheap client base, the placement of assets in highly profitable operations associated with risk.
The indicator is evaluated in combination with capital adequacy. Low capital adequacy means that rapid growth in equity is needed to grow assets.
With low profitability, owners will have to constantly maintain capital through injections, and with high profitability, in order to increase it, it is necessary to abandon large dividends.
When choosing the most stable financial institutions for deposits, various resources are based on the assessment of rating agencies, public opinion polls and customer reviews. When compiling the TOP, the Central Bank of the Russian Federation uses the sufficiency of its own funds.
The most reliable
Whatever indicator we consider, the first line will be occupied by Sberbank of Russia. There is nothing surprising. The largest bank with an all-Russian branch network (it has offices in all settlements, be it villages, towns, villages, not to mention cities).
The controlling block of shares of this bank belongs to the state . Its assets and capital are three times higher than those of even such a giant as VTB. Sberbank is the undisputed leader in all positions.
This is where people go to:
- open ,
- open a bank account,
- issue
- get a loan ( , ),
- make a transfer
- pay for goods, services,
- transfer money from one currency to another,
- get a cell or safe for use, etc.
If you need to securely save your savings, then we recommend that you contact Sberbank. Of course, the yield itself will not be high, now it does not exceed 6% per annum (up to 7.6% during various promotions), but the main advantage will be the fact that you will be calm for your savings.
This banking company participates in the deposit insurance system, which gives the client additional reliability. Please note that the vast majority of private firms and cooperatives that promise 15-20% per annum cannot guarantee you anything.
Of course, most citizens of our country prefer to contact Sberbank, because. it belongs to the state, and can offer its customers the most favorable and "transparent" tariffs. However, he is not the only reliable and trustworthy in the country.
At the moment, there are data only for the end of 2018, because. ratings are compiled on the basis of the final figures for the year. Here is the most up-to-date information on assets collected in the reliability rating of Russian banks (in brackets - the number of assets in thousand rubles).
The most reliable banks for deposits: TOP-10 Russian banks
- (27 948 167 428),
- (13 747 721 706),
- (6 476 874 005),
Understanding and understanding which are the most reliable banks in Russia is important not only for a potential investor who wants to profitably use their free funds. A citizen who intends to take out a loan also needs this: suddenly the bank “bursts”, the appointed management company will probably cancel the benefits and indulgences, and the previously quite lifting debt will turn out to be a heavy burden.
But the stars and ratings mean little. Which bank, year after year, stayed in the top ten, developed the widest network of ATMs in the Russian Federation, and now its license has been revoked by the Central Bank, and rightly so? Master Bank, remember. And who, before 2014, had heard of the Khanty-Mansiysk Bank, Orient Express, or the Asia-Pacific Bank in Blagoveshchensk? Today they are in the first hundred Forbes in Russia, and this means something. Political rhetoric is rhetoric, but Forbes knows its business and clearly sees the rise in turnover with the East.
The purpose of this article is not only to give a reliability rating of Russian banks, but also to show how it is determined by Fitch, Moody's, Standard & Poor's and the National Rating Agency of Russia. The fact is that economists have not yet developed a unified methodology for determining the reliability of a bank. And the situation in the financial sector has not stagnated and should not stagnate in any way. And having figured out how to calculate the solidity of a bank, you can then estimate it yourself - official data from its website is enough for this.
The degree of reliability defined by foreign RAs and NRAs often differs significantly. This does not mean at all that one of them is lying. Just everyone looks from their own bell tower. Foreigners - according to their indicators, i.e. for us - abroad. And NRA - primarily in terms of domestic turnover.
Further, one must assume that these estimates will diverge even more. Recent events in politics clearly show that the Russian Federation has finally decided not to follow the "world legal order" more blindly, which, it must be said, has discredited itself a lot, but to develop as an independent world center.
Therefore, the Russian economy must inevitably strive to increase the degree of autarky, i.e. self-sufficiency. For an investor, the conclusion is simple: I plan to operate in rubles - I need to focus more on the NRA, and keep Forbes in mind for comparison. I want to deal with currency - on the contrary.
What makes a bank reliable?
To determine which banks are the most reliable, we will consider, in terms of reliability, which of the largest and largest banks fit into which, and then bring everything together. This applies to domestic turnover, for deposits abroad there will be a separate summary.
State support
Russia is perhaps the only country in the world that is fully provided with vital natural resources. Therefore, in Russia, the most important indicator of a bank's strength is its state support. It is expressed either directly, in the form of a share of shares owned by the treasury, or indirectly, in the form of participation in various state programs.
By this parameter, Sberbank is definitely the first. It firmly holds more than 25% of the internal money turnover, has guarantees of infusions from the treasury at any time up to 700 billion rubles. The bank also has its own payment system that competes with Visa and MasterCard, which many already call national.
The next one is Rosselkhozbank. It is completely state-owned, 100% of the shares belong to the state. Investors from outside are allowed, but they are not given free will, which, by the way, does not scare them off at all: the guarantees of investments are absolute.
Next comes VTB with its subsidiaries VTB24 and the Bank of Moscow. The share of the treasury in them exceeds 70%. And, finally, Gazprombank. Although there seems to be no direct investments from the treasury in it, but what energy trade means for the Russian Federation, and whether it is easy for Putin to argue with Miller, there is no need to explain.
Liquidity
Liquidity, or an indicator of capital adequacy, is, roughly speaking, how much money and valuables are in the vaults of the bank relative to them, hovering somewhere in circulation. Since the Russian Federation is able to achieve complete autarky, with a liquidity of 10%, a bank focused on domestic turnover is already firmly on its feet.
But liquidity is a double-edged sword. Bags with stacks of banknotes lying around in the basement do not bring income, they can only be eaten away. Money has to work. In the conditions of the Russian Federation, liquidity of more than 25% means that the bank does not manage money well and the investment in it is risky.
The liquidity bracket currently includes Raffeisen, Uralsib, Home Credit, Citibank and MDM, in addition to those mentioned above. Almost falling short of it, with positive dynamics, Russian Standard, Rosbank, Moscow Credit Bank and Vozrozhdenie.
In total, more than 40 Russian banks fit into the liquidity fork, but the rest have negative or zero dynamics, and the share of internal turnover is less than 50%. They are likely to survive and live well, but with the current political troubles, they cannot be considered completely reliable.
Assets
This is no longer a percentage, relative indicator, but an absolute one, in rubles. Assets are everything that the bank holds in reserve and puts into circulation, and that can be returned to it in one way or another. For example, a mortgage issued to someone is among the assets, debt obligations and rights of claim (promissory notes) of reliable manufacturing companies are also. And a trust loan, say, a credit card or a consumer loan without collateral or guarantors, cannot be considered an asset. This is the pure financial risk of the bank for the sake of profit.
Here again, Russia's capacity for complete autarky comes into play. This is due to the fact that the speed of money turnover can be ignored and the reliability of the bank can be accurately determined by the ratio of its value of its assets to the size of the money supply in circulation. To an economist accustomed to the complex interrelationships of the market, such an approach will certainly surprise, if not outrage, but for a consumer citizen it is quite reliable.
And what should that attitude be? I don't know what it looks like from an economic point of view, but double the margin, as a percentage, relative to the minimum allowable level of liquidity, should be enough to withstand any upheavals. Ie, since the National Bank issued at the beginning of the year 8 trillion. 314 billion rubles, the bank must accumulate assets of at least 1.628 trillion. rub. or 1,628 billion rubles.
To date, there are 7 such banks: Sberbank, VTB, Gazprombank, VTB24, Rosselkhozbank, Bank of Moscow and Alfa Bank. The rest of the assets are less than 1 trillion. rub., i.e. they are way behind. But Sberbank, as they say, is two laps ahead of everyone: it has collected almost 18 trillion. assets! This is more than two full cash flows, so Sberbank is able to withstand any stagnation. The closest to it - VTB - 8 trillion. does not gain, only 5 with something, i.e. with a complete collapse of the ruble, without state aid and forced regulation, it will last for about a quarter.
Capital
Capital is an instantly liquid property denominated in rubles (the same rubles, currency, bank metals) at the disposal of the bank. Simply put, this is how much money the bank can issue in cash. Capital is important not only as a basis for calculating liquidity, but also in and of itself.
Liquidity, figuratively speaking, is the reserve of engine power, which makes it possible to drive on a bad road for a long time. And capital is a running gear that allows potholes to slip through without getting stuck. After all, suddenly force majeure, not all the same depositors immediately rush to withdraw their cash? Someone will wait, and someone else will play for an increase. And if the cash desk cannot issue anything, that’s it, the bank has gone bankrupt, and what will then be returned according to the obligations of customers will go to the assignees.
The amount of capital sufficient to “slip through the pothole” refers to the amount of assets necessary for sustainability (see previous, 1.628 trillion rubles) in the amount of the current average interest rate on deposits; at the moment - 8.1%. What will give a capital of 131 billion rubles. with little. In terms of capital, Unicredit also turns out to be reliable, except for all the same ones.
Loans to individuals
Trust loans are also a double-edged sword. On the one hand, they reduce reliability: the probability of non-return is high. On the other hand, the easier it is to get a loan for an ordinary consumer, the more people go to this bank, and the expansion of the circle of clientele gives an increase in the inflow of funds, which more than compensates for non-returns. Therefore, the reliability of a bank in terms of the share of loans to individuals very much depends on the breadth of its clientele, the number of branches, ATMs, and even the degree of competence and courtesy of employees.
Because of this, the range of values for the allowable share of physical loans is large - from 1% to 50% - and the calculation for a particular bank is complicated. In general, the more clients a financial institution has, the greater the percentage of physical loans it can afford. But a bank that neglects physical loans and is too tied to business will survive force majeure, if it does, then it will be very painful. After all, whatever one may say, money is the result of labor and is ultimately provided by the labor of ordinary citizens.
I must say that Russian banks, taught by the crisis, no longer go for 50% of physical loans. Savings, and he keeps in the region of 45-46%. Beyond the lower boundary of the fork, in addition to those given above, there are also Russian Standard, Promsvyazbank, and HKF Bank.
Who is stronger?
The selection criteria applied above are by no means all of those used by professional analysts. But my set has an interesting and useful feature for an ordinary member of society:
- if the bank converges in all respects, it is absolutely reliable;
- if it converges in two or more, it is quite reliable;
- if at least one is available, it is quite reliable.
Simply put, you can immediately distinguish for yourself excellent students with good students who can turn into each other, and solid C students, from whom there is always a sense too. And shining with insights, but careless, having time from time to time and stubborn losers leave. So, pp. 1 and 2 - reliable banks:
Reliable banks
- Sberbank,
- VTB and VTB24,
- Rosselkhozbank,
- Gazprombank,
- Bank of Moscow,
- Alfa Bank,
- Raffeisen,
- Uralsib.
Reliable enough
- Unicredit,
- home loan,
- Promsvyazbank,
- Citibank,
- Russian standard,
- Rosbank,
Enough means that these banks can also be trusted completely. In fact, the selection system is binary: reliable - unreliable, and the sequence of enumeration in the lists does not reflect any "rating".
And in currency?
And how to choose a reliable bank for operations with currency and / or abroad? In this case, it is better, without further ado, to use the Forbes bank reliability rating; they know better there “over the hill”, and, as already mentioned, they know their business:
- Citibank,
- Nordea Bank,
- HSBC,
- Gazprombank,
- Sberbank,
- Rosselkhozbank,
- VTB 24,
- UniCredit Bank,
- Rosbank.
As you can see, "Bah! All familiar faces! Only the sequence has changed; this list is built according to the Forbes rating. They also operate with "transparency". How they understand it is their business, banks are still reliable.
anti-reliability
To these, I include banks that are publicized, but according to all reports, they are completely unreliable. Surprisingly, there were only two of them: Renaissance Credit and Tinkoff Credit Systems. In addition to poor objective indicators, a lot of complaints can be found online about rudeness, incompetence, unauthorized changes to contracts without notice, hidden commissions, and cards that are not protected from fraudsters.
Outcome
There is no doubt about the reliability of all the banks mentioned in the article. As well as quite a few other big ones not mentioned. And your closest, dear reader, a small local bank can also be quite reliable. And very profitable.
And, if the material of the article helps you find one and make a profitable investment, it means that I was not in vain.