Many people are faced with the need to take a loan. In order not to be in a difficult situation, you should be extremely careful when choosing a bank. In this regard, the question arises as to which bank is the most reliable. The rating of Russian banks will help to answer it, depending on the size of their capital.
What is reliability rating?
Today, there are many rating agencies that conduct research and find out different factors: the level of profit of the organization, financial stability, the volume of loans, the number of loans issued. The main indicator for investors and businessmen is the value of assets. Based on this coefficient, a so-called rating of Russian banks by assets or reliability is created. Observing deviations of values, you can see how often people turn to a particular bank, what is the level of trust in it. Organizations that hold high positions have been working for many years. Most often, they are supported by the state.
The top ten most creditworthy banks in Russia
As of February 1, 2014, tops the rating of Russian banks
Sberbank of Russia. Its assets amounted to 16,707 billion rubles. In second place is Gazprombank, whose capital is approximately 3,663 billion rubles. It is followed by VTB-24, which owns 2,069 billion rubles. The fourth place went to Rosselkhozbank, increasing its funds to 1,741 billion. Next comes the Bank of Moscow (savings equal to 1,640 billion rubles). The next position is taken by Alfa Bank, followed by Nomos Bank. In eighth place is Unicredit, followed by Promsvyazbank. Raiffeisenbank with a size of savings of 702.3 billion rubles completes the rating of Russian banks in terms of reliability (tenth place).
Twenty Regular Seats
In eleventh place is Rosbank, followed by "St. Petersburg". The thirteenth place is occupied by the Moscow Credit Bank. The fourteenth position belongs to the Bank of Russia, and the next to Ak Bars. The sixteenth line of the rating belongs to Uralsib, after which the Russian standard, known to many, follows. The eighteenth place is occupied by the Khanty-Mansiysk Bank. Even fewer assets in home credit and finance. Svyaz-Bank belongs to the twentieth place (fixed assets are equal to 316.98 billion rubles).
At 21 place is Citibank, followed by MDM, Nordea Bank, Globex. Zenit takes the 25th position, followed by Petrocommerce. Next - Orient Express, Binbank, ING (Eurasia). 30th place belongs to the bank Renaissance.
Reviews of borrowers about some banks
Even knowing the rating of Russian banks according to various criteria, one can be disappointed in the choice. According to customer reviews, the following banks provide the best lending conditions and convenient interest rates:
- Sberbank
- Eastern Express;
- VTB 24;
- Gazprombank;
- Bank of Moscow;
- Alfa Bank;
- Trust.
However, there are organizations that attract people with a low interest for a loan, and in the contract offer completely unfavorable conditions. Therefore, the following banks received negative feedback from customers:
- Russian standard;
- Renaissance Credit;
- Tinkoff Credit Systems.
Knowing the rating of Russian banks and the opinions of people, you can reduce the risk of becoming deceived or getting into a hopeless situation.