The number of banks in Russia, rating, licenses

Before you become a client of a bank, you must make sure of its reliability - a credit institution must have a license for this activity, and also not occupy the latest positions in the rating of banks and not have a tendency to constantly decrease its performance in this list. In the article we will introduce you to the total number of commercial banks in Russia, present the most “top-end” banks, and list the organizations that have been deprived of a license. We will also tell other useful information about this area.

How many banks in Russia today?

As of August 1, 2017, 537 commercial credit organizations are operating in the Russian Federation. The total number of banks in Russia registered at one time or another is 878 today. 341 of them currently have their licenses revoked.

Here is a table describing the number of banks in Russia in the past summer.

Now let's talk about some patterns of changes in the number of banks, as well as the Central Bank's plans for Russian credit organizations.

Dynamics of changes in the number of banks

Having learned how many banks in Russia today and how many there were at least 10 years ago, one thing is clear - the number of these institutions is steadily decreasing. As of January 1, 2017, in our country the number of banks amounted to 45.2% of their number in 2008.

Of the current number, only 336 can be attributed to large ones. Of these, only 314 have head offices in the capital. So, for 39 thousand people in Moscow there is only one bank - this refers to the organization, and not the number of offices and divisions. Speaking about the regions, we can say that the overwhelming majority of banks in Russia are registered in its European part, but beyond the Urals (Ural, Northern, Far Eastern districts) there are catastrophically few of them. But it is precisely in the territories of these regions that the country's main natural resources are concentrated.

Many were struck by the withdrawal of a license from Ugra Bank, which was firmly one of the thirty major banking organizations in Russia. The reason for this decision was his concealment of his actual financial condition.

Authorized capital and association of banks

Having read art. 11 of the Federal Law "On banks and their activities", we can say for sure that the emergence of new credit organizations is very problematic - we will get acquainted with the requirements for the authorized capital of a registered institution:

• The smallest authorized capital of a banking organization for issuing a license is 300 million rubles.
• The smallest authorized capital of a credit, but non-banking organization planning to work with individuals and legal entities with a banking license is 90 million rubles.
• The smallest authorized capital of a credit non-banking organization planning to operate without a bank license is 18 million rubles.

The size of equity of an existing bank should not be lower than the level of 300 million rubles. According to these indicators, 150 banking organizations today are at risk. They have two ways - closing or joining a larger bank. Such institutions experience three main types of transformations:

• Merger of capital with the capital of another credit institution.
• Actual takeover by a larger bank.
• Self-liquidation, liquidation in connection with bankruptcy.

The separation of Russian banks

The immediate plans of the Central Bank of the Russian Federation are to divide the entire number of Russian banks into three large categories:

• Ten systemically important banks: Sberbank, Gazprombank, Otkritie, VTB, UniCredit, Promsvyazbank, Raiffeisen Bank, Alfa Bank, Russian Agricultural Bank, Rosbank (for 2016 )
• Federal banks of Russia are credit organizations with offices and branches in the vast majority of Russian regions. They must meet international standards and have the smallest amount of equity to capital not less than 1 billion rubles.
• Regional banks are small credit organizations conducting simple banking operations - currency exchange, loans to the population, receiving money for deposits from citizens, etc. Their main audience is individuals, small and medium-sized businesses.

Rating banks

The top banks of Russia are composed of three main groups:

• Key indicators : net assets, loan portfolio, retail deposits, customer investments in securities, capital in the form of 123, 134.
• Performance indicators of the institution : return on capital, net assets, turnover on foreign exchange transactions, overdue loans and so on.
• Balance sheet indicators : cash security of cash desks, loans to individuals and legal entities, overdrafts, fixed assets and other assets, issued bills, bonds, etc.

Top banks of Russia

Consider the rating of credit institutions for the most important indicators. Key Russian banks are determined by the size of their net assets - real, real assets. They are calculated by deducting from the total income of liabilities (debt obligations of a credit institution). Here are the data for August 2017.

Now the rating on the share of deposits of individuals in capital is a kind of indicator of public confidence in a particular bank. Also indicators for August 2017.

And the final rating is based on the amount of loans issued to individuals as of August 2017.

Now let's move on to anti-rating.

Banks deprived of a license in 2017

Speaking about reliable banks in Russia, it is necessary to mention those that did not justify the trust of their direct customers. Recall that in 2015, 93 banks lost their licenses, and in 2016 - 97. It is too early to talk about the results of 2017, but the following credit organizations do not already have the right to conduct business:

• "Bulgar Bank";
• "Commercial City Bank";
• Tatfond Bank;
• Ankor Bank;
• North-West-1 Alliance Bank;
• "Economic Union"
• "Sirius";
• Rosenergobank;
• Yenisei
• Oil Alliance;
• Intechbank;
• Sibes;
• Talmenka Bank;
• "Novation";
• Ivy
• Tatagroprombank;
• "Education";
• RITC;
• Finars
• Krylovsky
• "International Construction Bank";
• Vladprombank;
• Northeast Alliance;
• Riabank
• Intercoopbank;
• Moscow National Investment Bank;
• "Steel Bank";
• "Legion";
• Premier Credit;
• "Ugra";
• "Anelik RU";
• "Reserve".

Why can a license be revoked from a bank?

The decision to revoke the license is made by the Central Bank of the Russian Federation. Let us consider in the table the reasons necessary for a commercial bank in Russia to lose the right to engage in its activities.

It goes without saying that without a license a bank does not have the right to continue its work.

We hope that such a brief excursion on the number of banks, their rating, development trends helped you figure out when choosing an organization for a particular type of financial service.