How many rumors will appear in the near future: that Uralsib Bank is closing in 2018, and Home Credit Bank will soon be closed, and Russian Standard Bank has already closed, and Orient Express Bank is closing in 2018. Such conversations are rather a consequence of the client’s unpleasant experience in the bank than plausible statements.

Judging by the reviews and comments of users, the banks are to blame, even if the client himself is late in payment or has signed an unfavorable agreement with an inflated interest rate on the loan. Yes, banks take advantage of financial illiteracy and arrogance of clients, but let's be honest: we ourselves are to blame for our troubles.

How to understand that a bank will close

Leaks from the Central Bank of Russia often help determine which financial institution will close, namely:

• news of the upcoming revocation of licenses of financial organizations,
• rumors about the introduction of a temporary administration,
• downgrading of rating agencies that are directly subordinate to the Central Bank of Russia,
• problems with receiving cash from ATMs and cash desks of financial institutions, etc.

The Central Bank, as a mega-regulator, has much more leverage and forecasting tools than we used to think. Using the example of organizations that compose ratings, one can already guess about the problems of the bank or the attitude of the Central Bank of the Russian Federation towards it. Licenses are not simply revoked; this is preceded by clear events: poor reporting by credit institutions, holes in the balance sheet, flight of directors with capital abroad, difficulties in obtaining cash, etc. Therefore, when assessing the possible bankruptcy of a bank, assess the likelihood of license revocation based on the points indicated above.

List of reliable banks for 2018

Below we give a forecast of which banks will not close in 2018 in Russia. The list was compiled based on each bank's deposits, branch network, volume of assets and loans issued. The rating will be useful, first of all, to investors in bank deposits.

Bank rating by assets:

Sberbank of Russia

GazPromBank

VTB 24

FC Otkritie

RosSelKhozBank

Alfa Bank

Bank of Moscow

National Clearing Center

UniCredit Bank

It is unlikely that the listed banks will close in the near future. Mergers are possible, but the licenses of these banks will most likely not be revoked. It is noteworthy that in terms of profit rating the list of banks remains the same, with the exception of the National Clearing Center, which was replaced by RosBank.

From this list, Alfa-Bank stands out as a strong commercial bank; the bank’s management has no plans to close in 2018, moreover, this bank is one of the top three in terms of cash turnover at ATMs - right after Sberbank and VTB.

Bank ratings for consumer loans:

Sberbank of Russia

VTB 24

GazPromBank

RosSelKhozBank

Bank of Moscow

Alfa Bank

RaiffFeisenBank

RosBank

HKF Bank

Orient Express Bank

In this list we see loans issued to ordinary users for consumption. The Orient Express looks special among the market giants. Whether the bank closes or not in 2018 - we’ll wait and see, we must carefully read loan and deposit agreements, monitor the financial statistics of banks, including the ratio of loans and attracted deposits.

Full list of banks

It is not easy to predict the closure of banks in Russia in 2018; the list of unreliable banks changes every 2-4 weeks. We will share statistics on the basis of which you can decide for yourself whether the bank will go bankrupt in the near future or not.

Bank reliability rating by assets for January 2018

Place	Bank	Capital, million rubles
1	SBERBANK OF RUSSIA	1945905833
2	VTB	948588518
3	VNESHECONOMBANK	368584340
4	GAZPROMBANK	333854635
5	ROSSELKHOZBANK	217650802
6	VTB 24	178226766
7	ALFA BANK	175492362
8	BANK OF MOSCOW	161241774
9	UNICREDIT BANK	129894505
10	FC OTKRITIE	120347672
11	ROSBANK	115723340
12	RAIFFEISENBANK	103022027
13	PROMSVYAZBANK	59255680
14	CITIBANK	56344583
15	MDM BANK	55073976
16	KHANTY-MANSIYSK BANK OPENING	46766584
17	BANK "SAINT-PETERSBURG	46358807
18	CREDIT BANK OF MOSCOW	43847588
19	URALSIB	43442887
20	HKF BANK	42799327
21	RUSSIA	40552281
22	AK BARS	38961154
23	RUSSIAN STANDARD	38919484
24	NATIONAL CLEARING CENTER	37861245
25	NORDEA BANK	32884937
26	ING BANK (EURASIA)	31803253
27	SVIAZ-BANK	30072189
28	OTP BANK	27875411
29	ZENITH	26041511
30	ABSOLUT BANK	25940565
31	REVIVAL	24366352
32	SME BANK	24203509
33	EASTERN EXPRESS	23975208
34	BINBANK	23604038
35	MOSCOW INDUSTRIAL BANK	23347403
36	MTS-BANK	23034031
37	CENTROCREDIT	22365230
38	RUSFINANCE BANK	21468541
39	ROSEVROBANK	21174183
40	SOVCOMBANK	19974792
41	GLOBEX-BANK	19491904
42	PETROKOMMERTS	19486998
43	TKS BANK	18544242
44	TRANSCAPITALBANK	17511470
45	OBVERSE	17056782
46	NORTHERN SEA ROUTE	16918862
47	CREDIT EUROPE BANK	16729973
48	Deutsche Bank	16633272
49	VNESHPROMBANK	16225135
50	VANGUARD	15332684
51	TATFONDBANK	15015233
52	RUSSIAN CREDIT	14832971
53	DELTACREDIT	14815839
54	YUGRA	14721565
55	RUSSIAN CAPITAL	14195154
56	BANK OF TOKYO-MITSUBISHI YUFJEY (EURASIA)	13705000
57	CREDIT SUISSE BANK (MOSCOW)	13547018
58	UBRIR	13014328
59	MIZUHO CORPORATE BANK (MOSCOW)	12687309
60	INVESTMENT TRADE BANK	12515944
61	BANK ROSGOSSTRAH	12468960
62	ASIAN-PACIFIC BANK	12375681
63	RENAISSANCE CREDIT	11973535
64	INTESA	11951626
65	J.P. MORGAN BANK INTERNATIONAL	11854580
66	HSBC BANK (RR)	11698156
67	COMMERTZBANK (EURASIA)	11679538
68	ZAPSIBCOMBANK	11309207
69	SKB-BANK	11219725
70	NATIONAL SETTLEMENT DEPOSITARY (NPO)	11187390
71	PERESVET	11173648
72	SUMITOMO MITSUI RUS BANK	10824762
73	NOVIKOMBANK	10406528
74	NOTA-BANK	10305648
75	SETELEM BANK	10193181
76	EUROFINANCE MOSNARBANK	10161096
77	LOKO-BANK	10157816
78	BANK BFA	9263375
79	PROBUSINESS BANK	9117174
80	CENTER-INVEST	8974752
81	TOYOTA BANK	8862692
82	VOLKSWAGEN BANK RUS	8774530
83	RN BANK	8698937
84	FONDSERVISBANK	8651110
85	NATIONAL RESERVE BANK	8557474
86	UNION	8320551
87	SURGUTNEFTEGAZBANK	7934867
88	Svyaznoy Bank	7541645
89	SUMMER BANK	7517221
90	MOSCOW MORTGAGE AGENCY	7446504
91	METCOMBANK	7280143
92	KUBAN CREDIT	7216444
93	EXPOBANK	7072251
94	METALLINVESTBANK	6945672
95	BNP PARIBATS	6927725
96	CHELINDBANK	6852935
97	CHELYABINVESTBANK	6846837
98	UNIASTRUM BANK	6825478
99	SOVIET	6588398
100	MERCEDES-BENZ BANK RUS	6432118

Dear Alexander!

Thank you for your interest in the Bank's deposit products.

In response to your questions, we can provide the following information:

1. The commission/fee you specified is not provided;

2. At the end of the deposit period, the deposit amount and accrued interest are transferred to the deposit card issued for the deposit (if the deposit is opened through a Bank Branch).

If the deposit is opened through the Internet Bank system, then at the end of the deposit period, the deposit amount and accrued interest are transferred to the account from which funds were transferred to the deposit (upon opening);

3. When opening a deposit (through a Bank Branch), the Bank issues deposit cards to Clients. There is no fee for issuing and servicing the main Card within the framework of TP 91/1, TP 92/1, TP 93/1;

4. It is possible to receive funds from a deposit card without charging additional commissions/fees through the Bank's operating cash desks or through our Bank's ATMs.

Cash issuance is provided in an amount not exceeding 1,000,000 Russian rubles during one calendar month (if the Account is opened in the currency of the Russian Federation), or 35,000 US dollars (if the Account is opened in US dollars), or 35,000 euro (if the Account is opened in euro);

5. Upon scheduled closure of the deposit Agreement, the next day after the end of the deposit period, the deposit amount and accrued interest are credited to the deposit card account. If automatic prolongation is enabled under the Bank Deposit Agreement, then at the end of the deposit term, only accrued interest will be credited to the deposit card account, and the deposit itself will be extended for a new term. To close the Bank Deposit Agreement early, you must contact the Bank Branch with a passport of a citizen of the Russian Federation and write a corresponding Application.

If this application is submitted before 16:00, the day of demand for the deposit is considered the current day, the funds will be available the next day after 12:00 Moscow time, and if this application is submitted after 16:00, the day of claim for the deposit is considered the next calendar day, the funds will be available through day after 12:00 Moscow time.

In the case of Early Deposit Withdrawal, interest on the Deposit Amount is accrued by the Bank up to and including the Deposit Return Day at the rate specified in the Agreement, and in the case of Early Deposit Withdrawal after the automatic extension of the Agreement - at the rate applied for Early Deposit Withdrawal in relation to this type of deposit, valid in Bank on the day of the last extension of the Agreement.

If you have any additional questions, you can contact the Bank’s 24-hour Call Center at 8-800-333-4-333 (calls within Russia are free) / to a Bank Branch.

You can find out the addresses of the Branches on the official website of the Bank www.rsb.ru in the section “Branches and ATMs”.

Our specialists will be happy to provide you with the necessary advice.

The central office of the St. Petersburg branch of the bank " " on...

The help desk tells customers that the office is closed as of December 21. “The bank does not currently have a legal address for the St. Petersburg branch, but it should be registered within a few days,” said one of the St. Petersburg offices.

The press service confirmed the closure of the office, but once again clarified that the bank is registered in Moscow, where, accordingly, the bank’s head office and legal address are located. In St. Petersburg, the bank still has 8 branches. In one of them, near the Leninsky Prospekt metro station, cash service has been suspended, the information service clarified.

Before closing, the branch on Slavy Avenue was transferred to the status of an internal structural unit along with 8 branches in other regions.

The lawyers interviewed by the site expressed the general opinion that this situation does not mean the closure of the branch, the bank simply had to notify the tax office and the Central Bank of the move. At the same time, according to market participants, banks rarely sacrifice the central office of a branch during optimization.

Previously, Russian Standard Bank carried out a significant reduction in its office network throughout the country. During 2014-2015, the number of bank offices decreased by 2, the press service clarified. In Russia as a whole, the bank has about 20% of its staff and 6% of its offices.

Problems with Russian Standard Bank, which is owned by a famous businessman (who also owns the Roust alcohol holding), began last year. The reason was the bank’s business model itself: it has a very narrow specialization - consumer lending, and this segment of the banking market, in turn, has declined the most this year. With the onset of the crisis, borrowers from Russian Standard and many other Russian retail banks began to experience difficulties in repaying loans. At the end of November, Russians missed the most payments on consumer loans (17.4% of the total amount of overdue debt).

In general, consumer lending in Russia has declined very significantly: the volume of the consumer loan portfolio of Russian banks at the end of 10 months decreased by 12.5%. A similar reduction in the portfolio was recorded at the end of the same period in 2009.

At the end of 2014, the bank received a record loss - 16 billion rubles, and in the first half of 2015 the loss was almost 1.5 times greater than for the entire 2014 - 22 billion rubles.

However, judging by the support the bank receives from shareholders and the state, they seriously intend to save the bank. In 2015, Rustam Tariko invested 43 billion rubles in his own bank, including using his alcohol assets. Last week, the media wrote that Rustam Tariko even sold his yacht, which is estimated at 40-45 million euros (about 3.5 billion rubles at the current exchange rate).

And on December 14, the state got involved in saving the bank: the board of directors decided to include Russian Standard in the recapitalization program, during which the bank will receive a subordinated loan from the DIA for 5 billion rubles.

Select the fragment with the error text and press Ctrl+Enter

A bank from the top 30 may not be able to cope with the burden of foreign currency debts. Almost half of the bank's loans are already overdue.

Russian Standard Bank, which ranks 25th in Russia in terms of assets, may not be able to service its foreign currency debt on time due to low profits and overdue loans, Sberbank CIB analysts warn.

Russian Standard Ltd, on whose behalf Russian Standard issued Eurobonds, began the process of identifying holders of securities maturing in 2022. On October 27, the bank must pay the first coupon in cash for these Eurobonds.

The fact that Russian Standard sent out an appeal to creditors in order to identify them on the eve of payment, “raises certain concerns that the borrower may begin negotiations on another debt restructuring against the backdrop of the bank’s rather weak results,” notes Sberbank CIB corporate debt analyst Ekaterina Sidorova.

The bank's loan portfolio is shrinking, profits are only slightly above zero, and there are no noticeable improvements in its key business - consumer loans, she states.

For the second quarter, Russian Standard earned only 200 million rubles in net profit. According to reports as of August 1, 42% of all loans issued by the bank were overdue. In consumer lending, the overdue rate reached 47%.

All this “raises questions regarding debt servicing” of the bank on structurally subordinated Eurobonds, says Sidorova.

These securities were issued as part of the restructuring of the bank's debts at the end of 2015 after lengthy negotiations with investors. Their issuer is a special legal entity, which does not give the right to demand a refund from the bank itself. However, there is security - a pledge in the form of a 49% share in Russian Standard.

The high share of related parties in the bank’s asset structure also continues to be a concern about loans, Sidorova notes.

“Although Russian consumer lending banks have shown early signs of growth recently, Russian Standard Bank clearly lags behind Tinkoff Bank and HKSEB in lending recovery rates and margins, and it still has a higher cost of risk. It is unclear whether it will be able to achieve sustainable profit growth within the current business model,” says the Sberbank CIB review.

The operating environment for the Russian banking system remains difficult: growth in the real sector of the economy is still sluggish, despite the influx of oil and gas revenues, and household incomes have been declining for more than 30 months in a row - as a result, from 20% to 24% of all loans issued in the Russian Federation are in the problem zone : they are either not serviced at all, or payments are received late, the international rating agency S&P indicates in a report on the sector.

In monetary terms, this potential “hole” in bank balance sheets reaches 11 trillion rubles (with a total amount of loans to the non-financial sector of 46.2 trillion rubles). This amount is equivalent to 75% of the annual budget revenues of the Russian Federation and almost three times more than the state has spent on supporting banks over the past 10 years.