Understanding and understanding which are the most reliable banks in Russia is important not only for potential investors who want to profitably use their available funds. For a citizen who intends to take out a loan, this is also necessary: ​​suddenly the bank “burst”, the appointed management company, will probably cancel benefits and indulgences, and the previously quite manageable debt will turn out to be a heavy burden.

But stars and scores in ratings mean little. Which bank remained in the top ten year after year, developed the widest network of ATMs in the Russian Federation, and now its license has been revoked by the Central Bank, and rightly so? Master Bank, let me remind you. And who, before 2014, had heard of the Khanty-Mansiysk Bank, Orient Express or the Asian-Pacific Bank in Blagoveshchensk? Today they are in the top hundred of Forbes in Russia, and that means something. Political rhetoric is rhetoric, but Forbes knows his business and clearly sees the rise in turnover with the East.

The purpose of this article is not only to give a reliability rating of Russian banks, but also to show how it is determined by Fitch, Moody’s, Standard & Poor’s and the National Rating Agency of Russia. The fact is that economists have not yet developed a unified method for determining the reliability of a bank. And the situation in the financial sector has not become stagnant and should not become stagnant. And having figured out how to calculate the solidity of a bank, you can then estimate it yourself - official data from its website is sufficient for this.

The degree of reliability determined by foreign RAs and NRAs often differs significantly. This does not mean at all that one of them is lying. Everyone just looks from their own bell tower. Foreigners – according to their own indicators, i.e. for us – abroad. And NRA – primarily in terms of internal turnover.

Further, we must assume that these estimates will diverge even more. Recent events in politics show more clearly that the Russian Federation has finally decided not to blindly follow the “world legal order”, which, it must be said, has discredited itself a lot, but to develop as an independent world center.

That's why Russian economy must inevitably strive to increase the degree of autarky, i.e. self-sufficiency. For an investor, the conclusion is simple: I plan to operate in rubles - I need to focus more on the NRA, and keep Forbes in mind for comparison. I want to deal with currency - on the contrary.

What makes up a bank's reliability?

To decide which banks are the most reliable, we will consider the reliability parameters, which of the largest and largest ones fit into which, and then we will bring everything together. This applies to domestic turnover; there will be a separate summary for deposits abroad.

State support

Russia is perhaps the only country in the world that is fully provided with vital supplies. natural resources. Therefore in Russia the most important indicator The strength of the bank is its state support. It is expressed either directly, in the form of a share of shares owned by the treasury, or indirectly, in the form of participation in various government programs.

In terms of this parameter, Sberbank is definitely the first. It firmly holds more than 25% of domestic money turnover, and has guarantees of an infusion from the treasury at any time up to 700 billion rubles. The bank also has its own payment system, competing with Visa and MasterCard, which many already call national.

Next is Rosselkhozbank. It is completely state-owned, 100% of the shares belong to the state. Investors from outside are admitted, but they are not given any freedom, which, by the way, does not deter them at all: investment guarantees are absolute.

Next comes VTB with its subsidiaries VTB24 and Bank of Moscow. The treasury's share in them exceeds 70%. And finally - Gazprombank. Although there seems to be no direct investment from the treasury in it, there is no need to explain what energy trade means for the Russian Federation, and whether it is easy for Putin to argue with Miller.

Liquidity

Liquidity or adequacy indicator equity, this is, roughly speaking, how much money and valuables are in the bank’s vaults relative to them floating around somewhere in circulation. Since the Russian Federation is capable of achieving complete autarky, with a liquidity of 10%, a bank focused on domestic turnover is already firmly on its feet.

But liquidity is a double-edged sword. The bags with stacks of banknotes lying around in the basement do not bring any income; you can only eat them. Money must work. In the Russian Federation, liquidity of more than 25% means that the bank manages money poorly and investing in it is risky.

In the liquidity fork on this moment, in addition to those mentioned above, Raffeisen, Uralsib, Home Credit, Citibank and MDM fit in. Almost reaching it, with positive dynamics, are Russian Standard, Rosbank, Moscow credit bank and Renaissance.

In total, more than 40 Russian banks fit into the liquidity fork, but the rest have negative or zero dynamics, and the share of internal turnover is less than 50%. They will most likely survive and live well, but given the current political troubles, they cannot be considered completely reliable.

Assets

This is no longer a percentage, relative, indicator, but an absolute one, in rubles. Assets are everything that the bank holds in reserve, puts into circulation, and that can be returned to it in one way or another. For example, a mortgage issued to someone is an asset; debt obligations and claims (bills) of reliable manufacturing companies are also included. A trust loan, let's say credit card or consumer without collateral or guarantors cannot be considered an asset. This is pure financial risk for the bank for the sake of profit.

Here again Russia's ability to achieve complete autarky is reflected. The effect is that the speed of money turnover can be ignored and the reliability of a bank can be quite accurately determined by the ratio of its assets to the size of the money supply in circulation. An economist accustomed to the complex interrelations of the market will probably be surprised, if not outraged, by this approach, but for the citizen-consumer it is quite reliable.

And what should this attitude be? I don’t know how it looks from an economic point of view, but double the reserve, as a percentage, relative to the minimum acceptable level of liquidity, should be enough to withstand any disturbances. That is, since the National Bank issued 8 trillion at the beginning of the year. 314 billion rubles, the bank must accumulate assets of at least 1.628 trillion. rub. or 1,628 billion rubles.

Today there are 7 such banks: Sberbank, VTB, Gazprombank, VTB24, Rosselkhozbank, Bank of Moscow and Alfa Bank. The rest of the assets are less than 1 trillion. rub., i.e. they are way behind. But Sber, as they say, is two laps ahead of everyone: it has gained almost 18 trillion. assets! That's more than two full cash turnover, so Sber is able to withstand any stagnation. The closest to it is VTB – 8 trillion. does not gain, only 5-something, i.e. with a complete collapse of the ruble, without state aid and compulsory regulation, it will last for about a quarter.

Capital

Capital is instantly liquid property expressed in rubles (the same rubles, currency, banking metals) at the disposal of the bank. Simply put, this is how much money the bank can issue in cash. Capital is important not only as a basis for calculating liquidity, but also in itself.

Liquidity, figuratively speaking, is a reserve of engine power that makes it possible to drive on a bad road for a long time. And capital is the running gear, which allows you to jump over potholes without getting stuck. After all, what if there is force majeure, not all investors will immediately rush to withdraw their cash? Someone will wait, and someone else will play for an increase. And if the cash desk cannot issue anything, that’s it, the bank has gone bankrupt, and what will later be returned according to the clients’ obligations will go to the legal successors.

The amount of capital sufficient to “overcome the pothole” refers to the amount of assets necessary for sustainability (see previous, 1.628 trillion rubles) in the amount of the current average interest rate on deposits; currently – 8.1%. What will the capital of 131 billion rubles give? with a little. In terms of capital, in addition to the same ones, Unicredit also turns out to be reliable.

Loans to individuals

Trust loans are also a double-edged sword. On the one hand, they reduce reliability: there is a high probability of non-return. On the other hand, the easier it is for an ordinary consumer to get a loan, the more people go to this bank, and the expansion of the circle of clientele results in an increase in the influx of funds, which more than compensates for non-repayments. Therefore, the reliability of a bank in terms of the share of loans to individuals very much depends on the breadth of its clientele, the number of branches, ATMs, and even the degree of competence and courtesy of its employees.

Because of this, the range of values ​​for the permissible share of physical loans is large - from 1% to 50% - and the calculation for a specific bank is complicated. In general, the more clients a financial institution has, the higher the percentage of personal loans it can afford. But a bank that neglects physical loans and is too tied to business will, if it survives force majeure, do so very painfully. After all, whatever one may say, money is the result of labor and is ultimately provided by the labor of ordinary citizens.

It must be said that those taught by the crisis Russian banks 50% of physical loans are no longer available. Sber, and it remains in the region of 45–46%. In addition to those listed above, Russian Standard, Promsvyazbank, and HKF Bank also move beyond the lower limit of the fork.

Who is stronger?

The selection criteria used above are not all of those used by professional analysts. But my set has an interesting and useful feature for the average member of society:

• if the bank agrees on all parameters, it is absolutely reliable;
• if it converges on two or more – it is quite reliable;
• if there is at least one available, it is quite reliable.

Simply put, you can immediately identify excellent students with good students who can move into each other, and solid C students, who are also always useful. And those who shine with insights, but are careless, achieve occasionally and are stubborn losers leave. So, pp. 1 and 2 – reliable banks:

Reliable banks

• Sberbank,
• VTB and VTB24,
• Rosselkhozbank,
• Gazprombank,
• Bank of Moscow,
• Alfa Bank,
• Raffeisen,
• Uralsib.

Reliable enough

• Unicredit,
• Home loan,
• Promsvyazbank,
• Citibank,
• Russian standard,
• Rosbank,

Enough means these banks can also be completely trusted. In fact, the selection system is binary: reliable - unreliable, and the sequence of listing in the lists does not reflect any “rating”.

What about in currency?

How to choose reliable bank for transactions with currency and/or abroad? In this case, it is better, without further ado, to use the Forbes bank reliability rating; they know better there “over the hill”, and, as has already been said, they know their job:

• Citibank,
• Nordea Bank,
• HSBC
• Gazprombank,
• Sberbank,
• Rosselkhozbank,
• VTB 24,
• UniCredit Bank,
• Rosbank.

As we see, “Bah! All the faces are familiar!” Only the sequence has changed; this list is based on Forbes rankings. There they also operate with “transparency”. How they understand it is their business; banks are still reliable.

Anti-reliability

I include banks that are promoted as such, but according to all data, they are completely unreliable. Surprisingly, there were only two of them: Renaissance Credit and Tinkoff Credit systems. In addition to poor objective indicators, many complaints can be found online about rudeness, incompetence, unauthorized changes to contracts without notification, hidden commissions, and cards unprotected from fraudsters.

Bottom line

There is no doubt about the reliability of all the banks mentioned in the article. As are quite a few other big ones not mentioned. And your closest, dear reader, small local bank may also turn out to be quite reliable. And very profitable.

And, if the material in the article helps you find one and make one profitable investment- that means I didn’t sweat in vain.

Each person saves money for different purposes. However, what many people don't realize is that keeping your savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, people often do not restrain themselves and spend money. However, deposits in Moscow will help you not only preserve your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike the stock market or precious metals, you do not need special knowledge or constant analysis of the economic situation. You simply find a suitable offer and sign the contract. Moreover, in most organizations there are no restrictions on minimum contributions, and if there are any, they are small.

The contract itself is very important, so you need to familiarize yourself with the text in person before signing it. To do this, ask the bank employees to provide a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and include conditions that are unfavorable for him in the agreement.

Description of important points

The main advantage of the service, in addition to stable income, this is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance. Therefore, in the event of liquidation or revocation of the license, you will be paid compensation. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. Moreover, this type of deposit is divided into savings and accumulative, which is intended for periodic replenishment (popularly called a “piggy bank”).

The second option - on demand - comes at a low rate. The thing is that it is not profitable for an organization to keep finances for itself, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers for whom the fact of reliability is enough, and potential profits are of little interest to them.

Online assistant

On the website you will find current products on the market. Reliable information is collected here, which our specialists check and update daily. By comparing services according to their main parameters - and this is the interest rate, opening cost and commission, you can make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket on the Runet, successfully operating for more than ten years.

To understand which bank is considered the most reliable in Russia in 2019, just look at the ratings credit institutions. Rating is Objective assessment activity, which consists of several indicators that most clearly reflect the situation.

It is very important to objectively assess the reliability of one or another banking institution before using his services. This is especially important if you want to make a contribution to it, i.e. put into long-term storage own funds. Now many banks are losing their licenses and closing, and depositors are forced to wait months for compensation on their accounts.

1. Basic indicators

• assets (net)

• net profit
• capital
• loan portfolio
• overdue debt
• deposits (raised funds)
• investments in instruments (securities).

1. Performance indicators

• Return on capital.
• Return on assets.

1. Balance sheet indicators.

• Instant liquidity ratio

Limits the risk of loss of solvency banking organization within one day. This is the ratio of assets to liabilities throughout the day. The minimum value established by the Central Bank of the Russian Federation is 15%.

• Return on Equity

It is an indicator of how effectively the organization's own funds are used. Profitability above average may indicate a large share of a low-cost client base and the placement of assets in highly profitable operations associated with risk.

The indicator is assessed in combination with capital adequacy. Low capital adequacy means that in order to grow assets, a rapid rate of increase in the amount of equity capital is required.

If profitability is low, owners will have to constantly maintain capital through injections, and if profitability is high, to increase it it is necessary to give up large dividends.

When choosing the most stable financial institutions for deposits, various resources are based on the assessment of rating agencies, public surveys and customer reviews. When compiling the TOP, the Central Bank of the Russian Federation uses the sufficiency of its own funds.

The most reliable

Whatever indicator we consider, the first line will be occupied by Sberbank of Russia. There is nothing surprising. Most large bank with an all-Russian branch network (its offices are in all populated areas, be it stanitsa, towns, villages, not to mention cities).

The controlling stake in this bank belongs to the state. Its assets and capital are three times higher than those of even such a giant as VTB. Sberbank is the undisputed leader in all positions.

This is where people come to:

• open,
• open a bank account,
• design
• get a loan ( , ),
• make a transfer,
• make payments for goods, services,
• transfer money from one currency to another,
• get a safe deposit box or safe for use, etc.

If you need to securely store your savings, we recommend that you contact Sberbank. Of course, the profitability itself will be low; now it does not exceed 6% per annum (during the period various promotions- up to 7.6%), but the main advantage will be the fact that you will be calm about your savings.

This banking company participates in the deposit insurance system, which gives the client additional reliability. Please note that the vast majority of private companies and cooperatives that promise 15-20% per annum cannot guarantee you anything.

Of course, most citizens of our country prefer to contact Sberbank, because... it belongs to the state, and can offer its clients the most favorable and “transparent” tariffs. However, he is not the only one in the country who is reliable and trustworthy.

At the moment, there is data only for the end of 2018, because... ratings are compiled based on final figures for the year. Here is the most current information on assets, compiled into a rating of the reliability of Russian banks (in brackets - the number of assets in thousands of rubles).

The most reliable banks for deposits: TOP-10 banks in Russia

• (27 948 167 428),
• (13 747 721 706),
• (6 476 874 005),

In the last year alone, several banks in Russia were deprived of their licenses. Of course, for many investors this came as a real shock - how to get their money, when can this be done, will deposits be lost and, most importantly, interest on deposits? In this regard, many depositors have a question: which bank is the most reliable in Russia? And can you rely on it if you decide to make a deposit for a large amount?

When making a deposit, you should remember only one thing - the investor will definitely get his legal amount of money back, but only if the deposit did not exceed 1,400 thousand rubles (previously this amount was half that amount - 700 thousand rubles).

Therefore, if you decide to open a deposit for a large sum of money, then you should approach this issue wisely and choose the right one for the most reliable bank in Russia.

Which bank can you trust with your savings?

So you decide to open new contribution and invest your savings profitably. And then the question arises: who to trust? Here is a list of 10 banks that inspires confidence:

How to choose the most reliable bank

So, as practice shows, despite the huge amount of information on this issue, the country’s population still remains financially illiterate and does not know how to choose a reliable “storage” for their savings. As a result, the bank’s license is taken away, and the average depositor loses a considerable amount of money.

So how to choose a reliable bank that will help you not only save, but also accumulate savings? Use a few tips:

1. Make sure that the bank is actually included in the insurance system. To do this, check that the organization involved in storing money and issuing loans is really a bank and not an ordinary one. financial institution, luring you with high interest rates on deposits. You can find out whether a particular branch is a participant in the insurance system by contacting hotline insurance agencies. As mentioned above, the current insurance amount is 1,400 thousand rubles.
2. Do not invest more than maximum amount insurance. If you have more than 1,400 thousand rubles in your hands, this money can be divided and invested in several banks, or you can open another deposit in the same bank, but for a relative. By the way, if a bank’s license is revoked, then not only the amount of the deposit is insured, but also the interest accruing on this deposit. Therefore, you can count not only on the amount you deposited in the bank, but also on material compensation.
3. Pay maximum attention to the paperwork. Including re-read the contract and keep it and the cash receipt order intact and safe.

However, despite all the warnings, it also happens that a bank’s license is revoked. In this case, proceed as follows:

1. Don't be nervous or panic. Two weeks after the bank’s license was taken away, the DIA (deposit insurance agency) posts on its website a list of places where you can get insurance payments. In addition, lists are often posted on the doors of former bank branches.
2. Don't rush! As a rule, clients are in a panic that their cash may burn out or disappear somewhere, they want to immediately receive their money. In fact, everyone without exception receives money, but it’s one thing if you receive it in the first week, having stood in a considerable queue, and quite another thing if you collect the payments a little later, at a time convenient for you and without unnecessary panic and long queues. By the way, you can receive your deposit within 1.5-2 years after the bank’s license was revoked. If at the moment you do not have the opportunity to withdraw your deposit, then you can send to the DIA by mail an application certified by a notary, then your funds will be transferred to the specified account or sent by money transfer.

When contacting an agent bank, do not forget to take your passport with you. If you are an ordinary depositor, then you can receive funds either to a bank account or in cash. As for entrepreneurs, they will only be able to receive their money via non-cash payment and to the account of another bank. And remember: it doesn’t matter how much money you have in your hands, the main thing is that your deposit in the bank does not exceed 1,400 thousand rubles.

Even in a difficult economic situation in 2019, there is an opportunity to invest money in order to make money. One way is to make a profitable deposit for individuals. But which of the most reliable banks in Russia today has the highest interest rate on deposits? The website agency specialists analyzed the offers of the country's largest banks, compiling a review of deposits in rubles with favorable interest rates.

Deposits from individuals - a traditional way of investing money

There are many ways to invest money to earn passive income. You can buy a currency and wait for it to rise in price, you can make money on Forex, invest in a PAMM account, try to earn income by trading binary options and much more.

All these ways of making money bring quite high profits, but are also associated with a certain risk. Bank deposits for individuals, today they remain the most reliable and traditional way of investing savings in Russia.

Choosing the most profitable investment: what to pay attention to

When choosing a bank to entrust money to, depositors usually pay attention to at least two parameters:

• - the size of the interest rate, which allows you to choose a deposit with the maximum income;
• - reliability of the bank, which allows you not to worry about the safety of your savings even during a banking crisis.

It can be quite difficult to combine a high interest rate and sufficient bank reliability. Analysts from the agency website tried to do this by studying the conditions of deposits in Russian rubles for individuals in reliable banks.

What are the most profitable deposits in reliable Russian banks today?

Each bank has its own line of profitable deposits for individuals with unique conditions.

In order to somehow bring the parameters of deposits in different banks “to a common denominator”, we tried to find out which are the highest interest rates in rubles are offered to those who intend to open a deposit today, in 2019.

For the purity of the experiment, we compared rates in the largest banks in Russia for deposits for a period of 12 months, since this is the most popular investment period. As a result, the following list was obtained (check with banks for exact conditions and interest rates on deposits).

The most profitable deposits in reliable Russian banks from the top 10

Sovcombank

Deposit "Record percentage"

Replenishment / No partial withdrawal / Interest accrued monthly.

Rosselkhozbank

Deposit “Profitable (online)”

No replenishment / No partial withdrawal / Prolongation / Interest accrual at the end of the term.

Promsvyazbank

Deposit “My income”

No replenishment / No partial withdrawal / Capitalization / Interest accrued monthly.

Post Bank

Interest rate

No replenishment / No partial withdrawal / Interest accrual at the end of the term.

Gazprombank

Deposit "Savings (online)"

Interest rate Main types of deposits of individuals Today Moscow banks offer a large number of different types profitable deposits for individuals. But all of them can be divided into several groups: Time deposits at the most high interest rates. By opening such a deposit, you give the bank your money for a certain period (3-6 months, 1 year or 3 years), and during this time you cannot take it back without losing interest or replenishing the account. Replenishable deposits of individuals. By opening such a deposit, the investor can save money by replenishing the account, and at the same time the interest increases. However, it is impossible to withdraw funds from the account without losing profitability. Deposits from partial withdrawal funds without loss of interest. Such deposits usually have the lowest interest rates. But they give you the opportunity to withdraw part of the funds up to a pre-agreed minimum balance, on the amount of which interest will be accrued. Of course, in any unforeseen situation, if you need money before the end of the deposit, you can always get it, but you will be sorry for the lost profits. So, when planning to make a deposit in a bank, it is better to decide in advance when you will withdraw the money so as not to lose income.