home Debit cards Rating of banks according to the Central Bank. Reliability of the bank opening. Which banks, based on the rating, are the most reliable?

Rating of banks according to the Central Bank. Reliability of the bank opening. Which banks, based on the rating, are the most reliable?

When assessing a bank, the reliability rating plays a huge role. It allows you to enter into a trusting relationship with a particular financial organization. One of the largest banks in Russia, which are stable organizations, is FC Otkritie. His position on banking market are at a high level. The reliability of Otkritie Bank is justified by its high rating indicators for various criteria and numerous clients.

Bank characteristics

Otkritie Financial Corporation is one of the largest financial groups in Russia. The total value of assets fluctuates between two trillion rubles. The organization's own capital is 2.8 billion rubles. On financial market located since 1993.

The main activity of the bank is banking services. Insurance and investment services are also offered. Additional activities include asset management and provision of intermediary services (brokerage). Otkrytie FC was formed by four financial organizations. Namely, VEO-Okrytie, Petrokommerts, Khanty-Mansiysk Bank", "NOMOS-Bank".

Reliability Analysis

The reliability of a bank is assessed according to several criteria. Among them are:

bank size;
positions in various ratings;
openness of data about the organization;
availability of a deposit insurance system.

The size of a financial organization determines the amount of available resources. If it has a small amount of resources, it receives a limited amount of income. This is based on the traditional method of asset and resource allocation. If there are many resources available, the organization begins to invest them in various areas. In this case, there is a risk of loss or, conversely, receiving large profits.

The second criterion for evaluating a bank is its position in the ratings of various agencies. In addition to agencies, such lists are compiled by the Central Bank and the Interfax analytical center. These organizations, based on the bank’s financial indicators, form a relationship displayed as a rating. The rating of FC Otkrytie allows you to assess its capabilities and creditworthiness.

The third characteristic that allows you to assess the reliability of a bank is the availability of information in the public domain. When finding a lot of data about the activities of the bank and its founders. If a bank has its own website, then it should contain the maximum amount of information about its activities.

The existing deposit insurance system also plays an important role when analyzing a financial organization. Moreover, it is understood that the organization ensures the protection of funds.

These criteria allow us to assess the reliability of Otkritie Bank. Of course, information about Otkritie Bank can be found on its website. This bank is considered a fairly large financial institution involved in deposit insurance. It remains to evaluate its rating, according to various analytical estimates.

Valuation by assets

Bank reliability implies the ability to fulfill its obligations to creditors and depositors. The reliability of a financial organization is assessed based on the following indicators:

liquidity;
creditworthiness;
solvency.

There are certain criteria when establishing the reliability of a bank:

change in assets:
positive profitability or its sustainability;
volume of deposits individuals;
percentage ratio of liquidity indicators;
size investment investments in securities.

For 2017, the Central Bank conducted an analysis of the reliability of banks based on the amount of equity capital. This characteristic serves to make a decision on revoking a license certificate from a credit institution.

A list of banks that are of great importance in the country's financial market was compiled. When taking into account statistical data, the following indicators were used:

value of assets;
volume of loan amounts issued;
size of deposits.

Otkritie Bank ranks fifth out of one hundred participants in the Central Bank's reliability rating. Being in fifth place, the bank is considered an organization that can be trusted. Such a list will be useful to clients who want to invest in bank deposits.

The fifth place rating in terms of assets in June 2017 reduces the risk of bank closure in the near future. Of course, mergers are not excluded, but the bank will retain its license. Although in July 2017 the organization began to occupy seventh place in terms of assets. But when assessing such an indicator, it should be taken into account that assets should increase the profitability of the bank. Therefore, when disposing of assets, a financial organization sets a course for increasing profitability.

Otkritie Bank deals mainly with deposits own funds into credit resources intended for legal entities. Thus, we can say that he occupies the position of a corporate credit figure.

To assess trust, the bank still needs to take into account the ratings of other organizations. For example, independent rating agencies regularly compile lists of financial institutions based on various characteristics. For example, the rating agency RAEX or known as Expert RA published a top list banking organizations in terms of equity capital. In this list, Otkritie Bank ranks seventh. Being located next to well-known banks (Alfa Bank, VTB 24, Rosselkhozbank), Otkritie FC is an organization with a high level of trust.

Credit assessment

The bank's creditworthiness allows us to assess its readiness to service its debt obligations. Based on creditworthiness calculated credit rating. When compiling it, it is taken into account financial condition and the market in which it operates this bank. Acting as a measure credit risk, this tool is an important component in assessing the reliability of a bank.

The rating scale is indicated by different combinations. The highest level of creditworthiness corresponds to the AAA designation. The presence of the letter B suggests a decrease in creditworthiness. The BB rating corresponds to the speculative nature of the activity. The presence of the CC combination in the rating scale indicates a state of default. Ratings with the designations AAA, AA reflect the investment nature of the business, and the positions BB, B, C, SD, D are characterized by speculation and the impending default.

The credit rating of Otkritie Bank in July 2017, developed by the ACRA agency, shocked the financial market. According to the national scale, the bank is assigned the position BBB. It means that the bank cannot attract budget and pension funds. Moreover, it is assumed that its bonds will not be accepted by the Central Bank as collateral. This credit rating from ACRA is based on an analysis of the bank's assets. The assets were found to be of “poor quality.” According to the ACRA agency, Otkrytie Financial Corporation has concentrated its activities on completing large transactions.

Another agency, S&P, also downgraded the bank's long-term credit rating on the national general scale. The position changed from BB- to B+. This means that the bank has a largely speculative rating. This rating scale is related to the impact of risks on the bank’s activities.

According to other independent agencies, the reliability of Otkritie Bank is high. The National Credit Agency indicated the maximum creditworthiness of Otkritie FC. This is justified by the large share of assets. Thus, the Interfax-CEA center placed this organization in fourth place among one hundred participants.

RA Expert, when analyzing the 600 best companies in 2016, assigned the bank 43rd position, which affects the stability of Otkritie Financial Corporation.

With a variety of services, Otkritie Bank is considered a reliable organization. The availability of detailed information and online services for carrying out many operations indicates the effectiveness of the activities of a given financial organization. When discussing the reliability of a bank, many factors should be taken into account. Regarding the goals of cooperation, each client is based on different data when assessing reliability.

Storing valuables and money always involves risk. Cooperation with the bank will help you not to lose your savings and, if possible, make money on them. First of all, when choosing one, you should look at reliability. The better this indicator, the greater the guarantee that your money will not be lost during the next crisis or jump in the value of currencies.

The most reliable rating is the reliability of banks according to the Central Bank. Organizations that occupy first places in it are well insured against bankruptcy and, even in the event of severe shocks, are likely to return the money invested. Their only disadvantage is low rates, since they do not have to create a buzz around their services and attract customers.

So, we present to your attention the Top 10 the most reliable banks in Russia 2016.

10.

This is the only foreign organization among the most reliable banks in Russia in 2016. All its shares were purchased by the Italian company UniCredit Group. Until 2007 it was called “International Moscow Bank”. His assets are about 1.32 trillion. rubles The organization has branches in more than 50 countries and has a total workforce of approximately 150,000 people. The bank is also involved in the protection of works of artistic culture, collecting paintings by Russian masters.

9. National clearing center

As the name suggests, this bank is mainly focused on providing clearing services. That is, making non-cash payments between organizations in which the center acts as an intermediary. He also takes part in the securities market. His assets as of 2016 are about 1.39 trillion. rubles, and the capital is approximately 51 billion rubles. Most of its shares are concentrated in the hands of large and reliable market players, including Sberbank and the Central Bank.

8. Bank of Moscow

His assets as of 2016 are about 1.75 trillion. rubles with a capital of 168 billion rubles. It opened back in 1995 with the participation of Yuri Luzhkov. After privatization in 2011, the bulk of the shares went to VTB Bank. In May 2016, Bank of Moscow was reorganized by joining VTB. The number of private clients of this organization is about 9 million, and there are more than 400 representative offices throughout the country. There are also offices abroad.

7.

The assets of this bank as of 2106 amount to 2.16 trillion. rubles, and the capital is about 274 billion rubles. It provides clients with all types of services, including market financing. Alfa Bank boasts a large number of branches in Russia and abroad. Its clients are about 14 million individuals and approximately 200,000 companies. Interesting fact is that it was founded in 1991, a significant year for our country. In 2014, he won the competition for the reorganization of Baltiysky Bank, as a result of which by approximately 2020 it will be merged with Alfa Bank.

6. Roselkhozbank

The sole owner of Rosselkhozbank is the state represented by the Federal Agency for State Property Management. Initially it was created for financial and credit support Agriculture. But today it is a universal bank, whose services are used by millions of people across the country. Unlike other financial institutions, its offices are often located in rural areas because that is where its main clients are concentrated. In total, about 1,100 representative offices of Rosselkhozbank are open across the country. His assets amount to 2.55 trillion. rubles with a capital of 428 billion rubles.

5.

This participant in the list of the most reliable banks in Russia in 2016 has assets of 2.7 trillion. rubles and a capital of about 216 billion rubles. It has continued to operate since 1993, despite changing names, and is the main organization financial group"Opening". One of the predominant areas of his activity is working with the gold mining industry. For seven years he was recognized as the best Russian bank in the precious metals market. He is trusted by about 4 million individuals, more than 117 thousand representatives of small and medium-sized businesses and about 45 thousand corporate clients. Otkritie Financial Group also operates in America and the UK.

4.

Most of the shares of VTB 24 belong to VTB Bank. Its assets are about 3 trillion. rubles, and the amount of capital is 271 billion rubles. It mainly serves individuals, small businesses and individual entrepreneurs. The state trusts him to participate in mortgage loans for new buildings and military. The bank has more than 1000 offices throughout Russia. Stability is guaranteed by the fact that the main stake in VTB belongs to the Central Bank. VTB 24 was opened in 2006 on the basis of CJSC KB Guta Bank, which failed to survive the crisis.

3.

Gazprombank opens the top three among the most reliable Russian banks in 2016. His assets are about 5 trillion. rubles, and the capital is 637 billion rubles. Its main shareholders are the Non-State Pension Fund Gazfond and OJSC Gazprom. This bank serves the most important industries Russian economy: gas, metalworking, nuclear, etc. He also pays great attention to private individuals, constantly expanding his client base. He is trusted by more than 4 million people and 45 thousand organizations. Gazprombank owns seven subsidiaries and affiliated banks in Russia and abroad.

2.

The assets of this bank amount to about 8.8 trillion. rubles, and the amount of capital is 1 trillion. rubles 60% of its shares belong to the state represented by the Federal Property Management Agency. It is the parent structure of the VTB Group, consisting of more than 30 organizations operating in 20 countries. Its main activity is serving corporate clients. It was founded in 1990 as Vneshtorgbank to conduct Russian economic transactions abroad. Later it was transformed into an open joint-stock company, most of the shares of which went to the state.

1. Sberbank

First place and title most reliable bank Russia 2016, deservedly ranks Sberbank. The size of his assets for 2016 is 22.43 trillion. rubles It was founded in 1841 as a system of savings banks. central bank Russia has a 50% stake in it plus 1, the remaining shares belong to approximately 9 thousand individuals and legal entities. Across Russia, it is represented by more than 16,000 branches, serving about 110 million people and 1 million enterprises. Sberbank also operates in other countries, where its clients are about 11 million people. For the convenience of clients, Sberbank offers remote use systems, many ATMs and self-service terminals.

In 2016, the Central Bank of the Russian Federation published the official rating of the reliability of Russian banks and cash deposits in them.

The list includes the most significant credit and financial institutions in Russia, and therefore the largest. The top ten includes those that occupy over 60% of the Russian credit and banking market. At the same time, their significance and reliability were not determined by the size of the business, because in most cases it is not an indicator of quality. How did the Central Bank evaluate them?

The key indicators for carrying out assessment activities are net assets (real assets of the company minus debt obligations), the volume of funds raised from deposits of individuals, the number of transactions in the interbank market (the amount of accepted and issued borrowed money other financial organizations). Knowledge of all these indicators is an urgent necessity for the Central Bank, because they allow us to determine which financial institutions’ problems will have a critical impact on the country’s banking system as a whole.

Systemically important companies(those included in the TOP-100) in economically difficult periods the state will provide financial support. But how useful is studying this rating for ordinary investors? It is worth familiarizing yourself with the list of the most reliable institutions in the country for a number of reasons:

to determine the financial stability of the organization;
to understand who should be entrusted with money for long term;
to make your selection easier before making a deposit.

Of course, entering the TOP of the Central Bank is a serious indicator. The presence of deposits in such institutions is a kind of insurance in case financial crisis. Thus, the main market players are companies that are almost completely protected from the risk of bankruptcy. And even if such a nuisance happens to them, investors do not take too much risk: their funds will be returned to them first (up to 1.4 million rubles).

But there is one interesting feature that will be more of a minus than a plus for potential clients of such institutions. The more reliable the company, the lower the rates it can offer. And all because such a structure does not need to attract additional funds into circulation, which means there is no need to inflate deposit rates in order to create a stir among citizens.

The most reliable banks in Russia - what are they?

Gazprombank;
FC Otkritie;
VTB 24;
Rosselkhoz;
Alfa Bank;
Bank of Moscow;
National Clearing Center;
UniCredit.

This is what the current rating looks like as of 2016. And the presence of many institutions on this list does not raise questions among ordinary investors. But some companies are little known to the general public. As you can see, financial and credit institutions with government funding are the most trusted. Thus, the state owns a controlling stake (50% + 1 share) of Sberbank. Almost 25% of the organization's shares are in the hands of foreign investors. It is also the undisputed leader in terms of capital (equity adequacy exceeds 10.3%).

FC Otkritie is a company focused on serving primarily medium and high-level corporate clients. Almost 75% of the shares of the financial corporation belong to its own structural divisions(“Otkritie Holding”, “Otkritie N”, etc.). In 2016, it is planned to withdraw the remaining part from free circulation, and then full control over the corporation will be concentrated in investment company FC "Otkrytie"

The situation is similar with the rest of the top ten. Institutions are distinguished by high capital adequacy (for example, 11% for Alfa-Bank and more than 9.5% for VTB). Many have serious state support or even belong to the state, such as Rosselkhoz (all shares of the organization are in the hands of the Government of the Russian Federation). This institution also demonstrates the highest capital adequacy - over 11.7%!

What other banks are recognized as reliable?

The population treats many credit and financial companies with distrust. And completely in vain. Thus, “Russian Standard” enjoys an undeserved bad reputation. Although it closes the second ten most reliable in our country. As of 2016, it contains funds from the population totaling more than 167 million rubles, and loans have been issued in the amount of over 176 million rubles. The organization has been operating since 1998. More than 77% of the shares belong to the founder, Rustam Tariko, and another 22.3% belongs directly to the institution under a ring ownership scheme.

Other similar structures specializing in high-margin consumer lending(issuing unsecured loans at high interest rates). Thus, Home Credit occupies 38th place in the list, and Tinkoff ranks 58th. By the way, all three listed structures lost several positions (from 1 to 8), which is due to the outflow of funds and the decline in the popularity of expensive consumer loans during a crisis period.

Many structures offering high interest rates on deposits for individuals were also included in the list of highly reliable ones:

UralSib – 27th place;
MDM – 28th place (-2 positions);
Trust – 30th place;
Ugra – 32nd place (+2 positions);
Orient Express – 41st place;
Moscow Industrial - 43rd place;
Renaissance Credit – 54th place (+4 position);
Uniastrum – 98th place (-3 positions).

Some institutions showed strong growth. Thus, Renaissance-Credit, which specializes in issuing loans to the population, managed not only to issue loans totaling almost 80 million rubles, but also attracted many investors who keep a total of more than 80.5 million rubles in this company.

“Yugra”, which “grew” by 2 positions, demonstrates the following indicators in 2016: household deposits – over 141 million rubles, loans – over 680 thousand rubles. It would seem that the data is not so impressive, especially in the lending sector. But here another, no less important factor was taken into account - the amount of loans issued to organizations and enterprises. And it amounted to more than 211.2 million rubles!

Popular banks not included in the TOP 100

There are many structures whose services are very popular among the population. But at the same time, they did not enter the top hundred in terms of their reliability. These, for example, include “Development”. This institution has a fairly developed branch structure. So, you can find its branches in Moscow, Cherkessk (the city where it was officially registered), Volgograd, Saratov, Sochi, Rostov-on-Don, Samara - a total of 16 cities of presence.

It offers high rates on deposits (up to 13.3% per annum for individuals), which allowed it to attract depositors who invested 6.6 million rubles (more than 53% of the enterprise’s resources). However, it occupies only 237th place in the TOP of the Central Bank of the Russian Federation. The situation is similar with the popular Svyaznoy. IN popular rating it occupies a confident 18th place, but in the financial ranking compiled by the Central Bank, only 148th position. Its popularity is due to high deposit rates (up to 13.25%), but distrust in it is caused by the small size of assets.

But most companies in this field are still highly rated by both clients and experts. Thus, in the popular rating, one of the leaders is RosInter, which occupies 77th place in the TOP-100 of the Central Bank of Russia. Sovcombank, beloved by many, took 23rd place, and Cetelem, popular among active buyers of household and computer equipment, is in 66th place. In addition, it was created by Sberbank with the participation of the financial group BNP Paribas (France).

From the information provided we can conclude: reliability and attractiveness for investors are parameters that rarely go hand in hand. This is because highly reliable organizations rarely seek to attract new customers through development. profitable promotions, new services and credit offers. At the same time, the absence of a Central Bank in the TOP is not always a reason for mistrust.

After all, many organizations in the second or even third hundred have been successfully working with clients for decades. And all of them, without exception, are members of the Deposit Insurance Agency, which automatically guarantees a return of up to 1.4 million rubles in the event of bankruptcy. So what else is there to worry about?

Video on the topic of the article:

RIA Rating - 26 Jan. For the first time in modern history At the end of the year, the Russian banking sector was characterized by negative nominal dynamics of assets. Thus, the historical anti-record of 2009 was broken, when the assets of the Russian banking sector grew by only 5%. At the end of 2016, the assets of Russian banks decreased in nominal terms by 3.5%, against an increase of 6.9% last year and by 15% on average per year in the previous 5 years. It is worth noting that, with the exception of 2009, 2015 and 2016, the growth rates of assets of Russian banks were always double-digit, and in some years they could even exceed 30%. Thus, for the first time, the Russian banking sector was truly faced with a market contraction banking services, which has long-lasting consequences. In absolute terms, the volume of assets of Russian banks decreased by 2.9 trillion rubles over the year, which is also an anti-record. Thus, as of January 1, 2017, the volume of total assets of Russian banks decreased to 80.1 trillion rubles, which again amounts to less than 100% of GDP for 2016. For comparison, the ratio of bank assets to GDP in 2015 was at 110%.

The main contribution to the nominal decline in assets in 2016 was made by the strong strengthening of the ruble. The ruble strengthened against the dollar and the bi-currency basket over the year by 17% and 18%, respectively. It is worth noting that excluding the impact of currency revaluation, the growth rate of assets in 2016 was positive and amounted to 1.9%. For comparison, in 2015, net of foreign exchange revaluation, asset growth rates were negative (-1.6%). The positive dynamics of assets in real terms in 2016 after a reduction in 2015 can be considered as a small positive indicator of the state of the Russian banking sector. In general, the dynamics of assets and other key financial indicators for Russian banks turned out to be weaker than predicted at the beginning of 2016, which is largely the result of more stringent monetary policy than it seemed then.

Quarterly dynamics in 2016 were very different in the first and second halves of the year. In the fourth quarter, as in the third, the dynamics of assets in nominal terms, although not too intense, was still positive. In the fourth quarter of this year, the growth rate of assets was 0.5%, while in the third quarter it was 0.16%. For comparison, in the first and second quarters the decline was 2.3% and 1.9%, respectively. At the same time, assets in real terms in the fourth and third quarters grew by 1.5% and 0.3%, respectively, that is, the real growth of assets at the end of the year was fully ensured by the results of the second half of the year. The acceleration of the rate of real asset growth in 2016 from quarter to quarter allows us to look with some optimism at the forecast for dynamics in 2017.

It is worth noting that a significant contribution to the reduction in the volume of assets of the Russian banking sector was also made by the record scale of revocations of licenses from banks. In 2016, the number of banks and non-profit organizations whose licenses were forcibly revoked by the Bank of Russia was 97, and taking into account voluntarily surrendered licenses (merger, liquidation) - 112 (104 in 2015). IN relative values A new record was set for the rate at which banks left the market. The total volume of assets of banks that lost their licenses, according to RIA Rating calculations, as of January 1, 2016 amounted to 1.24 trillion rubles or 1.49% of the volume of assets banking system at the beginning of last year. For comparison, banks that lost their license in 2015 accounted for 1.15 trillion rubles in assets (1.48% of the banking system’s assets at the beginning of 2015). Among the banks with revoked licenses were 11 banks with assets of more than 20 billion rubles, and five large banks that lost their licenses were in the TOP 100 in terms of assets as of January 1, 2016. Thus, the direct cost of cleaning up the Russian banking sector from “bad” banks.

A record number of banks saw their assets decline in 2016

To assess the situation in the context of individual credit institutions, the Rating Agency RIA Rating conducted an analysis and prepared a rating of the largest banks in Russia by asset volume at the end of 2016. The rating presents data as of January 1, 2017 for 600 Russian banks that published their reports in accordance with Form No. 101 on the website of the Central Bank of the Russian Federation in accordance with Bank of Russia Directive No. 192-U and Letter of the Bank of Russia No. 165-T. The rating methodology involves aggregation of data from turnover sheets.

According to calculations by RIA Rating experts, in 2016 the assets of a record number of banks decreased in recent years. Thus, of the credit institutions represented in the rating, almost 49% of banks were characterized by negative asset dynamics, while at the end of 2014 and 2015 there were no more than 40% of such banks, and in 2013 only 29%. At the end of the fourth quarter, the share of banks with negative asset dynamics increased to 43%, against 39% in the third quarter, but this is significantly better than the result of the beginning of the year, when at the end of the first and second quarters of 2016, assets decreased in 62% and 50% of banks respectively. For comparison, in the fourth and third quarters of 2015 there were 32% and 23% of such banks, respectively. Thus, in the second half of 2016, most banks began to show asset growth.

It is worth noting that positive asset dynamics at the end of the year were demonstrated mainly by large banks. In particular, among the TOP 100 banks in terms of asset volume, the average growth rate, although low, was characterized by positive dynamics - +0.1%, while the total assets of banks from the second hundred in terms of asset volume decreased by 4.4%. Despite this, the share of banks with positive dynamics in different size groups did not differ much and was approximately at the level of 50%. At the same time, the total volume of assets of the ten largest banks in 2016 increased by 1.3%, while outside the top ten the nominal reduction was an impressive 12.6%. In absolute terms, the volume of assets of the ten largest banks at the end of the year increased by 711 billion rubles. Thus, the share of assets of the top ten banks in 2016 increased by 2.3 percentage points to 68.3%, while the share of the TOP 100 increased to a lesser extent - the increase was slightly less than 1 percentage point - to 93.4%. In general, as can be seen from the figures, the concentration of assets in the banking sector continued to grow in 2016, which is a consequence of massive revocations of licenses and faster growth of assets of large banks.

According to RIA Rating experts, in 2017 the pace of consolidation of assets in the banking sector may remain at a high level, which will be a consequence of the rapid growth of large banks against the backdrop of falling rates, and the high rate of banks leaving the market (both due to revocation of licenses and due to mergers and acquisitions).

Foreigners are clear outsiders, and state-owned banks have won competition from private ones

Despite the negative growth rates of assets at the end of 2016 for all types of banks, state and private banks were able to greatly strengthen their positions in the banking market, relative to the results of foreign banks. In particular, state-owned banks' assets fell nominally by only 1.4%, while private banks' assets fell by a more impressive 3.4%. At the same time, the worst result was for foreign banks, whose assets decreased over the year by as much as 15.6%. The result of foreign banks can largely be explained by the significant strengthening of the ruble in 2016, since the share of their foreign currency assets is noticeably higher. Thus, foreign-owned banks suffered more from negative currency revaluation.

In 2017, the situation for market players is unlikely to change significantly. Foreigners still do not declare increased development of their subsidiaries in Russia, apparently for both economic and political reasons. Although, the likely lifting of sectoral sanctions could change this trend for the better. At the same time, state banks should benefit to a greater extent from lower interest rates in the context of a moderately tight monetary policy, which will predetermine leadership in their growth rates. Private banks can expect an improvement in their market niches, in particular consumer lending, but this is unlikely to allow private banks to beat state-owned banks in 2017.

The list of leaders has been updated

The composition of the top ten largest banks in terms of assets in 2016 was noticeably updated. At the end of last year, one state bank (Bank of Moscow, current name BM-Bank) and one foreign bank (UniCredit Bank) left the top ten. And if UniCredit Bank fell only one place lower - from 10th to 11th line in the rating, then the Bank of Moscow lost 8 places (now occupies 16th place in the rating as of January 1, 2017). The loss of positions by the Bank of Moscow is explained by its actual merger with VTB Bank as part of the consolidation of VTB Group.

The places of those who left were taken by two private banks - PJSC CREDIT BANK OF MOSCOW and PJSC Promsvyazbank. At the same time, they did not demonstrate any phenomenal growth, that is, their progress in the rating is largely the “merit” of the retired banks, which were characterized by a strong decrease in assets (UniCredit Bank - -15%, and BM-Bank - -62% in a year). In general, at the end of 2016, the representation of private banks in the TOP 10 increased significantly from two banks at the beginning of 2016 to four at the end. At the same time, there are not a single foreign banks left in the top ten, although five years ago three foreign banks were among the largest banks in Russia.

In general, six banks changed their places in the top ten at the end of 2016. In addition to newcomers, the places changed for VTB 24 (PJSC) (progress by one position), JSC Rosselkhozbank (progress by one position), PJSC Bank FC Otkritie (loss of two places) and Bank NCC (JSC) (progress by one position ). At the same time, the most significant increase in assets over the past year among the top ten banks was observed at the National Clearing Center, whose assets grew over the year by almost 50%.

In general, the assets of the three largest banks in the top ten in terms of assets decreased in nominal terms. In absolute terms, the largest reduction was observed at Sberbank, whose assets decreased by 721 billion rubles or 3% over the year. The second and third in terms of asset reduction from the TOP 10 were Bank FC Otkritie and Gazprombank, whose asset reduction amounted to 198 (-6.4%) and 16 billion rubles (-0.3%), respectively.

The best dynamics of assets among the hundred largest banks in 2016 was at SKS Bank, whose assets grew almost 400 times, which allowed the bank to rise in the ranking over the year from 638th place to 47th place as of January 1, 2017. Such a phenomenal result is associated with a change of owner in August 2016, and, apparently, receiving a loan from the Bank of Russia for many tens of billions of rubles under the guarantee of a new shareholder (Moscow Credit Bank). The second fastest growing asset among large banks was BINBANK, whose asset growth exceeded 200% (+18 places in the ranking). The dynamics of the assets of this bank is explained by the consolidation of its banking group, in particular, in 2016, MDM Bank, Kedr Bank, Binbank Smolensk, Binbank Surgut, Binbank Tver, Binbank Murmansk were merged with the bank. In general, BINBANK looks like the most realistic candidate to be among the TOP 10 largest banks by the end of 2017.

The third place in terms of asset dynamics in 2016 belongs to VUZ Bank, whose assets doubled over the year, while this growth in assets allowed it to rise by 59 places in the ranking, and now it occupies 81st place. RRDB Bank became fourth in terms of growth rates, its assets grew by 89%, +23 places in the ranking. In general, 27 credit institutions out of the top hundred demonstrated asset growth rates of more than 10%.

The leader in asset reduction was the state-owned BM-Bank (former name: Bank of Moscow), whose assets decreased by 62%, which was a consequence of the transfer of its business to the VTB Group. Following him is private bank BFA - the reduction for the year was 45% (-26 positions in the ranking by asset volume). In general, among the ten banks with the largest reduction in assets in the top hundred, five are foreign, three are private banks, and only two are state-owned.

2017 - more optimism, but the result may be about the same

According to RIA Rating analysts, the coming year as a whole will be relatively calm for Russian banks, although shock events are still possible. In particular, revoking licenses and resolving the problem of Tatarstan banks will play a significant role. , in 2017 we can expect the forced revocation of licenses from 60-70 banks, which will reduce the nominal increase in assets by 1-2%. At the same time, activity in the M&A sector may even increase slightly, which will additionally lead to a further increase in asset concentration.

The growth of corporate lending in 2016 will continue to look weak, and only with a noticeable decrease in interest rates in the economy, which is not expected before the end of 2017, investment demand for credit resources may noticeably intensify. The retail market will continue to show noticeable progress in 2017, which will be a consequence of further stabilization of the unsecured lending market and the development of mortgage lending.

RIA Rating is a universal rating agency of the media group MIA "Russia Today", specializing in assessing the socio-economic situation of regions of the Russian Federation, the economic condition of companies, banks, economic sectors, countries. The main activities of the agency are: creating ratings of regions of the Russian Federation, banks, enterprises, municipalities, insurance companies, securities, etc. economic objects; complex economic research in the financial, corporate and government sectors.

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Analyzes and then publishes on its website the official rating of banks by reliability. The 2019 list includes the largest and most significant financial institutions.

How is the reliability rating compiled?

The Central Bank takes a very careful approach to compiling the reliability rating. To create this rating, many factors must be taken into account, such as:

indicators of capitalization, profitability (profitability) and liquidity of the bank;
availability of sufficient funds to carry out current payments and transactions;
the amount of assets owned by the bank, as well as the amount of other financial resources;
dynamics of development of bank indicators.

However, this data is not enough, so experts additionally evaluate:

net assets, that is, this is a real asset of the bank, which does not take into account debt obligations;
the number of transactions that the bank carries out annually. Absolutely all transactions are taken into account. These can be both ordinary transactions between individuals and transactions with other banks;
number and amount of deposits of individuals.
A very important evaluation criterion is the size of the bank's equity capital. It must be at least 10%. The norm is 10-11%. If a financial and credit organization does not meet this parameter, that is, the amount of capital is less than 10%, then it cannot be included in the rating. If this indicator is too low, then the Central Bank has the right to revoke the license. As happened with many banks in past years.

It is these indicators that help determine the bank’s current position in the financial market. I wonder what rating of banks according to the Central Bank for 2019 shows that the top ten banks occupy more than 50% of the market.

Which banks, based on the rating, are the most reliable?

So, we got to the main thing - the same rating of the Central Bank of Russia, about which a lot has already been said today. As you understand, it included only the best representatives of the industry, who rightfully occupy leading positions throughout the country and meet all the requirements presented above. Here's what the ranking looks like today.

Considering that 2018 is a difficult year not only for the population, but for everyone financial institutions, many organizations have lost their positions in the ranking of the best. However, the luminaries of the industry - Sberbank, Alfa Bank, Rosselkhozbank, VTB 24, Bank of Moscow, Gazprombank and others once again confirmed their positions and status, proving that the crisis has no power over them.

Naturally, the first line of the rating is held by Sberbank of Russia. A powerful organization that, despite all the troubles, demonstrates stable growth in assets, customer base and other financial indicators. At the same time, the growth dynamics here are invariably positive.

Among the ten most reliable Gazprombank. It is one of the largest. This bank serves 4 million clients and more than 40 thousand organizations. VTB 24 currently has assets worth 3 trillion. rubles and has more than 70 offices throughout Russia. This bank provides all basic services: bank accounts, deposits, lending. It is also possible to do most operations remotely through a mobile application.

Bank opening is also one of the most reliable. His assets amount to more than 2.8 trillion. rub. The bank provides services to both individuals and legal entities. Most often, this financial corporation serves retail and small business clients, of whom there are more than 44 thousand.

Other banks slowed down a bit, slowing down the growth rate of their own assets. The slowdown, of course, is not critical, but noticeable, we cannot help but note it.

10 most reliable banks in Russia according to Forbes

The reliability rating of banks in Russia is compiled not only by the central bank, but also by other organizations; this is what Forbes magazine analysts prepared in 2018.

Rosbank
UniCredit Bank
Raiffeisenbank
Sberbank
Citibank
Nordea
Bank of China
Intesa
Gazprombank

Rating of banks based on customer reviews

The rating of banks for reliability for 2019, the top 100 of which are presented on the official website, is also formed based on customer reviews. Their assessment of the bank and the quality of service must be taken into account. Also important indicator is how quickly and efficiently the bank solves customer problems.

The diagram shows the rating of banks based on customer reviews. As you can see, the leading position is occupied by Tinkoff Bank. This bank is relatively new, so it is trying to gain customer support. The reliability rating of Russian banks for deposits in 2019 changed insignificantly. Among the best are also UBRIR, Renaissance Credit, B&N Bank, Otkritie and others.

Ural Bank for Reconstruction and Development has very good reviews from its customers. The majority are really satisfied with the service, and this characterizes the bank as good and reliable. This rating also shows how actively the bank independently solves the problems of its clients. The most active now are Tinkoff Bank, Ural Bank for Reconstruction and Development and MKB, which are rapidly growing and developing.

Another extremely important rating that will certainly be of interest to everyone who seeks to protect their funds from inflation and make money on them. In principle, speaking about the rating of banks by reliability of deposits, we can say that the leadership here is held by the same organizations. If you arrange them in hierarchical order, you get the following picture.

Sberbank of Russia
Rosselkhozbank
Gazprombank
Alfa Bank
FC Otkritie
Binbank
Sovcombank

So for those who want to increase their funds, the best solution would be to contact one of the organizations presented above. In addition, take a look at our showcase, in the “” section, where we regularly publish, in our opinion, the best offers of today.

Why do clients trust these banks the most?

Tinkoff is a modern and reliable bank. Its peculiarity is that most of the actions can be done remotely. For example, to order a card, you can submit an online application on the website. Within a few days, an employee will come to you with a card and help you complete the paperwork. Customers do not need to go to a bank branch or wait a long time for a card. At the same time, the bank guarantees the reliability of storing personal data and funds.

UBRIR is in the top 5 if you look at the 2019 rating of banks in terms of reliability. UBRIR (Ural Bank for Reconstruction and Development) is one of the fastest growing banks at present. It carries out absolutely all necessary operations: lending (including business), working with shares and securities, translations, contributions. The Ural Bank for Reconstruction and Development has more than 1 million clients!

Its branches are located throughout Russia, and there are also subsidiaries in the UK and Ireland. The bank's assets today amount to more than 334,290 million rubles, and its own capital is 26,592 million rubles. Such large amounts indicate that you can safely invest money in this bank, since it will be able to return it with interest.

Moreover, the Ural Bank for Reconstruction and Development has a very profitable terms by deposits. Interest rate from 10.5%, with the possibility of early termination of the contract with partial preservation interest rate. Deposits are possible in amounts ranging from 50 thousand rubles to 10 million rubles for different periods. UBRIR is among the top banks in terms of deposit reliability, so you can safely contact them.

ICD (Moscow credit bank) appeared in 1992 and now provides all the necessary services to both individuals and legal entities. Now MKB has more than 60 additional offices and continues to develop.

PromsvyazBank is also a successful and actively developing bank with a very attractive offer on debit cards that are accepted all over the world. He now has one and a half million clients. In addition to servicing individuals and legal entities, the bank also cooperates with small and medium-sized businesses. Now the bank has more than 300 branches throughout Russia. In addition, the bank works closely with other large banks such as: MDM Bank, Alfa Bank and Rosselkhozbank.

How to independently determine the reliability of a bank?

Official indicators of a bank’s reliability are, of course, good, especially since it is impossible for a private individual to gain access to most of the information that the Central Bank has. But, in addition to this, it would be useful to conduct independent research in order to finally form an opinion about a particular organization.

The value of the bank’s own assets (this was mentioned more than once at the beginning of the excursion). The larger they are, the higher the guarantee that you will get your funds back if necessary.
Dynamics of capital growth and retained earnings. Please note that these indicators should show growth, and not stand still, much less decline. And don't look at what is now financial institutions are not going through the best of times, good bank With competent specialists on staff, he will find ways to increase income. And if he can’t do this, why trust him with your money?
It would also be useful to evaluate the liquidity indicators of the bank’s assets. This information is usually not available on the electronic resources of institutions, but if desired, it can be requested on the Central Bank website.

Liquidity means a bank's ability to meet its debt obligations. One of its indicators - H2 should be at least 15%, the other (H3) should exceed 50%. If this is not the case, then it is better not to contact the bank at all.

Due to the fact that these data are basic, they should be freely available, at least on the Central Bank website. You can arrange all this in the form of a table, so that later it will be easier to compare parameters and make a choice. Besides purely economic indicators, the reliability of the bank is assessed by general, but no less important factors. Such as the reputation of the organization, its attitude towards clients, security of transactions, etc. Naturally, all these parameters cannot be reduced to numbers, but they can be analyzed without much difficulty. We will tell you how to do this further.

2. Ask bank employees about the conditions for providing various services to determine whether they suit you. Don’t be afraid and don’t hesitate to ask questions; after all, helping you and advising you is their job and responsibility. By the way, such a conversation with bank employees will allow you to assess their level of professional competence and how they treat clients. Well, if for some reason you cannot or do not want to contact the bank, leave comments under this article asking all the questions you are interested in, we will promptly find out the information through our channels and inform you about it.

It is important to remember that if a financial institution offers you a huge profit on your deposit or very low percentage on a loan, this may be a reason to be wary. Since it is possible that this is one of the reasons to attract new clients, but the organization itself is not reliable. Although sometimes banks offer really favorable conditions to their regular customers.

Why do we need a rating of the most reliable banks?

The Central Bank analyzes the activities of banks for a reason. This is done for a number of reasons:

maintaining the state banking system in good condition;
assessment of financial stability of organizations;
detection of problems in certain financial and credit organizations;
identifying the most influential banks. This is done in order to help them state support in difficult economic conditions.

Also, knowledge of the rating will help depositors decide whether to trust the bank or not. Moreover, if the Central Bank discovers that a bank has financial problems or profitability is falling sharply, it can deprive it of its license.