Money rules the world, and almost all of them go through the country's financial institutions - banks. Absolutely every person in his life goes to the bank for one reason or another: to take a loan, make a deposit, make a money transfer and, in the end, simply pay for electricity, light and water. Naturally, anyone who uses such serious services as deposits or loans would like to be sure that the bank is reliable and that its money will be saved.
In order to have a complete picture and make the right choice, you can turn your attention to the popularity of financial institutions. Your attention is given a rating of Russian banks according to various criteria, such as the degree of reliability, stability, popularity, profit margins and issued loans, and so on.
The base for calculating indicators collects absolutely all the financial institutions of our country that publish reports on their financial activities in the public domain. The rating for each criterion looks like the ordering of banks by a specific indicator. The main objective of the rating is to compare banks according to the highest performance ratings, thus demonstrating their position in the financial market.
Rating of the largest banks in the country
Nowadays, in times of crisis and financial instability, people are trying to get out of a financial institution to invest their money not only in terms of interest on deposits, but in terms of reliability, and most often the largest banks are leaders in the reliability rating, which is not surprising.
So, the rating of the largest banks in Russia :
1. Sberbank of Russia OJSC.
2. CJSC VTB (Vnshetorgbank).
3. OAO Gazprombank.
4. Russian Agricultural Bank OJSC.
5. CJSC VTB 24.
6. OJSC MMBM Bank of Moscow.
7. OJSC AlfaBank.
8. CJSC Uni-Credit Bank.
9. OJSC “Promsvyazbank”.
10. OJSC "Rosbank"
Reliability
The rating of Russian banks is compiled according to different criteria, but reliability is, perhaps, the most important thing, with which we will begin. To determine the level of this indicator of a bank, various selection criteria are used. In order for the assessment to be qualitative, a quantitative method is used, the essence of which is the simultaneous analysis of various financial reporting data: the amount of assets, capital, liquidity, deposits, loans and so on.
Reliability rating of Russian banks:
1. Sberbank of Russia OJSC
The oldest bank in the country. Such a high level of reliability is simply explained - this bank is ready to help citizens in financial matters even in the most difficult time for the country.
2. CJSC VTB (Vneshtorgbank)
It has a high level of reliability primarily because it is supported by the state. More than 50% of the shares are held by the state. This bank is popularly called the Putin Bank.
3. OAO Gazprombank
The bank's activities are controlled by the Rossiya Bank, which is located in St. Petersburg. Gazprombank has all the funds of the Gazprom enterprise.
4. Russian Agricultural Bank OJSC
5. Financial experts argue that it is the agricultural sector that accounts for the largest number of loans, for which the state will always allocate funds. This is what the bank insures, which means that its customers are insured by default.
6. OJSC MMBM Bank of Moscow.
The mere fact that this bank is the main financial institution of the government of the capital of the country inspires confidence.
Below the rating of Russian banks by such a criterion as reliability is tabulated in descending order of the number of their assets. The first ten are presented.
No. | Name of the bank | Rating | Asset Place |
1 | Sberbank of Russia | ●●●●● | 1 |
2 | VTB (Vnshetorgbank) | ●●●●● | 2 |
3 | Gazprombank | ●●●●● | 3 |
4 | VTB 24 | ●●●●● | 4 |
5 | Russian Agricultural Bank | ●●●●● | 5 |
6 | MMBM Bank of Moscow | ●●●●● | 6 |
7 | Alfa Bank | ●●● | 7 |
8 | Nomos Bank | ●●● | 8 |
9 | Promsvyazbank | ●●●● | 10 |
10 | Raiffeisenbank | ●●●● | 12 |
Reliability rating reflects the ability of financial institutions of the country to fulfill their obligations to customers, as well as the amount of capital and its liquidity in the event that there will be an outflow of funds from settlement accounts and deposits.
Asset rating of Russian banks
The bank's assets are: cash on hand, the amount of issued credit products, the volume of investments in securities and commercial real estate, other values that can be estimated in monetary terms. Assets must work and bring high profits.
A place in the rating of assets is one of the most significant criteria in choosing a bank for the purpose of storing cash on deposits, the use of cards and settlement accounts, as well as other financial transactions. There is such an expression: "This bank is too large to go bankrupt." This expression is really true. The reliability of a financial institution increases by default when its assets grow.
Below the rating of Russian banks by assets is summarized in a table (in descending order).
No. | Name of the bank | Number of assets |
1 | Sberbank of Russia | 17 477 454 224,00 rub. |
2 | VTB (Vnshetorgbank) | 5 965 152 230,00 rub. |
3 | Gazprombank | 3 913 061 815,00 rub. |
4 | VTB 24 | 2 231 046 824,00 rub. |
5 | Russian Agricultural Bank | 1 886 302 458,00 rub. |
6 | MMBM Bank of Moscow | 1 782 315 083,00 r. |
7 | Alfa Bank | 1 515 480 711,00 r. |
8 | Nomos Bank | 989 110 468,00 rub. |
9 | UniCredit Bank | 880 451 211,00 rub. |
10 | Promsvyazbank | 786 725 417,00 rub. |
Capital
Capital is nothing but the own resources of a financial institution. This includes absolutely all the funds and values that belong directly to the bank, which can be estimated in monetary terms. Those funds that were placed by his clients on accounts and
deposits do not belong to the
bank . First of all, capital is used as a means of making profit through investment.
Stability largely depends on the size of capital. The reason for this lies in the fact that the bank, using its own funds, creates reserve funds, from which in the future it will use the funds to cover possible losses. Therefore, the rating of Russian banks by capital is of great importance in determining its reliability.
Below is presented and tabulated in descending order of rating by size of capital.
| No. | Name of the bank | Number of assets |
| 1 | Sberbank of Russia | 2 073 007 558,00 rub. |
| 2 | VTB (Vnshetorgbank) | R 629,026 832.00 |
| 3 | Gazprombank | 434 941 652,00 rub. |
| 4 | Russian Agricultural Bank | RUR 246,391,671.00 |
| 5 | VTB 24 | 221 016 700,00 r. |
| 6 | Alfa Bank | 210 901 396,00 rub. |
| 7 | MMBM Bank of Moscow | RUR 182,262,411.00 |
| 8 | UniCredit Bank | 133 428 679,00 rub. |
| 9 | Nomos Bank | 113 841 022,00 rub. |
| 10 | Raiffeisenbank | 99 237 344,00 rub. |
As mentioned above, capital is used as a means to profit, hence the banks profit rating.
Rating of Russian banks by profit
| No. | Name of the bank | Profit margin |
| 1 | Sberbank of Russia | 446 217 797,00 rub. |
| 2 | VTB (Vneshtorgbank) | 41 228 660,00 rub. |
| 3 | Alfa Bank | 39 497 770,00 rub. |
| 4 | Raiffeisenbank | RUR 29,383,858.00 |
| 5 | VTB 24 | RUR 23,271,538.00 |
| 6 | UniCredit Bank | 22 087 914,00 r. |
| 7 | Gazprombank | RUR 20 892 989.00 |
| 8 | MMBM Bank of Moscow | 11 634 607,00 rub. |
| 9 | Public company Mosoblbank | 10 468 245,00 rub. |
| 10 | CB Citibank | 9 798 999,00 rub. |
Loans
Below is the rating of Russian banks on loans.
| No. | Name of the bank | Amount of loans issued |
| 1 | Sberbank of Russia | 12 370 927 937,00 rub. |
| 2 | CJSC VTB (Vneshtorgbank) | 2 556 562 57 |
| 3 | Gazprombank | 2 460 911 042,00 rub. |
| 4 | VTB 24 | 1 398 717 341,00 rub. |
| 5 | Russian Agricultural Bank | 1 259 807 461,00 rub. |
| 6 | Alfa Bank | RUR 1,081,042,693.00 |
| 7 | MMBM Bank of Moscow | 940 198 711,00 rub. |
| 8 | UniCredit Bank | 541 202 871,00 rub. |
| 9 | Promsvyazbank | 520 574 632,00 rub. |
| 10 | Nomos Bank | 499 568 340,00 r. |
Deposits
Below is the rating of Russian banks on deposits, summarized in table, in descending order.
| No. | Name of the bank | Deposit Amount |
| 1 | Sberbank of Russia | 8 616 070 768,00 r. |
| 2 | VTB (Vnshetorgbank) | 1 810 727 577,00 rub. |
| 3 | Gazprombank | 1 568 187 298,00 rub. |
| 4 | VTB 24 | 1 375 276 976,00 rub. |
| 5 | Russian Agricultural Bank | 928 357 566,00 rub. |
| 6 | MMBM Bank of Moscow | 752 776 512,00 r. |
| 7 | Alfa Bank | 512 378 763,00 rub. |
| 8 | Nomos Bank | 388 959 895,00 rub. |
| 9 | Promsvyazbank | 379 332 636,00 rub. |
| 10 | UniCredit Bank | RUR 339 107 215.00 |
Stability
It is worth noting that the concept of stability is not identical to the concept of reliability, although they are related to each other. Stability provides the bank’s ability not only to save the money of its customers, but also to operate in a crisis without any losses, which, of course, is a very important factor in trusting the bank.
So, the most stable are banks:
1. Sberbank of Russia OJSC
It’s not even worth explaining. A bank that holds a leading position in the rating of reliability, as well as a leader in all other ratings, cannot be unstable.
2. VTB CJSC (Vnshetorgbank)
For several years in a row, it has been a leader in various ratings.
3. Russian Agricultural Bank OJSC
Absolutely reasonable position. This is the largest bank in Russia, which finances all agricultural activities, and if it goes bankrupt, then all the country's agriculture will decline, and the government will never allow this.
4. MMBM Bank of Moscow OJSC
It occupies a leading position in view of the fact that 44% of the shares are held by the state of the Russian Federation.
5. CJSC VTB 24
For some time, the activities of this bank were not entirely adequate. He issued a large number of loans, which during the crisis almost brought him to complete ruin, but thanks to the support of VTB CJSC he recovered and continued his activity quite successfully. And in the end, he took a leading position in the ratings.
6. CJSC Uni-Credit Bank
It is the largest foreign bank in Russia. Belongs to the Italian group UniCredit. During the crisis, he behaved stably.
The question of choosing a reliable financial institution is now acute due to the fact that there are many banks and they offer a huge range of services. Based on the above data, it is quite possible to choose a suitable financial institution for yourself.