Which banks are reliable? Reliability rating of banks

What reliable banks today exist within the framework of the financial structure of the Russian Federation? Constant changes in the political and financial sphere of our country have become the reason that residents do not risk investing in deposits. The same situation is with respect to credit programs of these financial institutions. But if a citizen wants to use the services of such structures, he is advised to study the reliability and stability rating of banks and the conditions they offer. This moment is especially necessary for those who plan long-term cooperation with a financial institution. The list of reliable banks is based on the expert opinion of financial experts and data from the Central Bank, as well as taking into account the feedback from customers of these credit organizations.

The main problem of banking institutions is in the service sector. This, unfortunately, also applies to the activities of employees of a financial institution. Rudeness and lack of professionalism are found everywhere. If a future client of such an institution wants to acquire reliable information about the bank’s proposals, he should get advice from not one, but several of his employees.

So which banks are reliable?

Sberbank

This financial association is the largest in Russia, it has the largest share in total assets - it reaches almost 30%. The volume of 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 should not be afraid of the possible loss of funds due to revocation of the license. In addition, Sberbank has the most extensive infrastructure throughout the country, and ATMs can be found even in the most remote cities.

This is the most reliable bank for deposits.

The main advantages of the institution include:

1. Minimum mortgage rate.
2. Extensive infrastructure.
3. A good and thoughtful bonus program for loans and deposits.

Among the shortcomings of Sberbank:

1. Low level of service.
2. Periodically arising difficulties in the operation of computer software.
3. Long wait due to long lines.

What financial institutions can still be called reliable? Which banks are among them?

"UniCredit Bank"

Currently, a financial institution offers its customers a wide range of services. This institution serves not only private individuals, but also medium and small businesses, and provides them with package services, credit programs, bank guarantees, depository services. To date, 26,000 companies and about a million individuals are among the clients of a credit institution. As for the percentage of deposits, the bank has a share of 8.9%. The main number of customer complaints is associated with poor service in regional offices.

Among the main advantages of the Unicredit organization are:

1. Good bonus deposit program.
2. The presence of a large number of offices in large cities.
3. Convenient online version of bank account management.

Among the disadvantages:

1. Low service.
2. A small number of offices in small cities.

Many are interested in reliable banks with high interest rates on deposits.

Rosbank

It is a subsidiary of a group of financial institutions from France Societe Generale. A credit institution has state assets, so the likelihood of revoking its license is minimal. Rosbank is a universal financial structure that serves private investors and enterprises in various fields. The Bank offers its customers attractive loan offers that are beneficial for small businesses with a small annual percentage. However, customers leave rather conflicting reviews. Negative feedback is usually associated with unprofessional service, irrelevant information about the location of working offices.

Among the advantages can be identified:

1. Support for foreign banks.
2. Availability of government assets.
3. Favorable credit conditions.

The main disadvantage is the low level of competence of staff.

Which banks are reliable - not everyone knows.

Raiffeisenbank

It is a subsidiary of the Austrian financial structure. Every year it is on one of the leading places in the ranking not only according to the Central Bank, but also the well-known financial magazine Forbes.

The most reliable bank provides services to private and corporate clients. The main advantages of Raiffeisenbank are a convenient and well-thought-out version of the online service, favorable conditions for granting loans, and flexible deposit programs. Clients report that the financial institution provides decent service, but in some cases there are unfortunate situations when representatives of the institution provide the client with incomplete information.

Among the main advantages of the organization, the following prevail:

1. Convenient self-service system.
2. Profitable lending projects.
3. The presence of an extensive network of branches.
4. The company is a subsidiary of a proven and well-known structure.

The main disadvantage is the low competence of bank representatives in regional branches.

Citibank

Deposits are provided by a large American concern, a subsidiary of which is a financial institution. In any large city in Russia there is a branch of this bank, and the infrastructure in them is well developed. The main specialization of the institution is servicing large corporations, however, affordable and advantageous offers on loans and deposits are provided to private individuals.

Among the advantages of the organization can be identified:

1. Convenient online banking system.
2. Convenient system of using funds in a bank account while in other countries.
3. Support by foreign capital.

The disadvantages of this financial structural unit:

1. Lack of representative offices in small cities.
2. Low competence of employees in regional offices.

Intesa Bank

It is a representative of Italian capital in Russia. The bank is more focused on working with organizations with large capital, but for individuals there are also good programs for loans and deposits. Customers usually leave favorable reviews.

Advantages of a financial organization:

1. Focus on business lending.
2. Profitable deposit programs.

Disadvantages:

1. A long wait for money to be received in branches with the Tax Free program.
2. Boorish treatment of customers in some dealerships.

Gazprombank

The lending institution has the support of state capital. The main specialization is the financing of enterprises whose activities are associated with the production and transportation of natural gas and oil. In addition, the bank provides services to individuals, offering them profitable and convenient programs. The most advantageous offer is car loans to individuals at reduced rates: a credit institution has an agreement with many large automobile concerns.

The stability and reliability of the bank is not in doubt.

Among the advantages it should be noted:

1. Having your own mobile application that allows you to access your account.
2. Good internet service system.
3. High reliability of the bank, confirmed by international financial organizations.
4. The presence of a large asset, the amount of which exceeds 500 billion rubles.
5. A high degree of trust among the inhabitants of the country.

The main disadvantages are:

1. Poorly developed self-service system - ATMs are not even present in all regional centers.
2. The presence of negative reviews from customers of this financial institution.

VTB Bank of Moscow

Annually takes one of the leading positions in the rating of banking institutions. The organization offers private entrepreneurs, small and medium-sized businesses, and individuals an extensive range of loan and deposit programs. Many citizens use car loans and mortgages in this bank. The state is the owner of part of the capital of a financial institution, so the likelihood of losing money is minimal. VTB is considered one of the most reliable banks in Moscow.

Among the advantages:

1. The presence of a stable online banking system.
2. Providing round-the-clock access to the hotline.
3. The presence of a large number of own self-service stations.
4. Good bonus bonus programs on deposits and credit cards.

Disadvantages:

1. A financial institution provides low interest on deposits.
2. Some staff are incompetent.
3. Paid SMS alert.

Who else is included in the rating of banks for reliability?

Russian Agricultural Bank

The asset is currently in fifth place among Russian banks. Has state capital support. The main specialization of the organization is the service of agricultural enterprises. In addition, the institution provides services to individuals, private entrepreneurs. A financial institution offers many profitable offers for servicing loans and deposits.

Among the advantages of the bank:

1. Favorable lending programs for young families.
2. No loan commissions.
3. Availability of low interest credit programs.

Disadvantages:

1. Low speed of service in branches.
2. The need for compulsory insurance for lending programs.

"VTB 24"

It is a subsidiary of VTB Bank of Moscow Holding. The main advantage is its focus on serving individuals and small businesses. Because of this, the organization has a well-developed infrastructure, many ATMs and branches. Deposits made to the bank are in maximum safety, since the institution has public money.

The disadvantages and advantages of the bank are identical to those of VTB Bank of Moscow, the only difference is the presence of more interesting private lending programs.

The best financial institutions for making deposits

It is better to make a contribution to the bank that does not have state money, or their amount is minimal. Such organizations, unfortunately, offer minimum interest rates, but they ensure maximum safety of capital investments. The highest interest rates are offered by institutions with state support, but in this case, the client runs the risk of losing his funds. In view of this, it is advisable to familiarize yourself with the rating of banks for reliability before entering into financial relations with a banking institution.