Bank reliability rating 2017 (data from the Central Bank)

The top 100 banks in Russia in terms of reliability in the current version of 2017 has undergone changes due to license revocations, layoffs and acquisitions, so we present to your attention the updated official rating of banks in terms of reliability according to the Central Bank. At the beginning of 2017, the Central Bank of the Russian Federation updated the statistics and list of banks occupying first places on its website.

The methodology for allocating seats takes into account reporting data in Form 101, 123, 135, as well as credit ratings from Moody's and Expert RA:

• Assets
• Issued loans
• Deposits

		January, 2017, thousand rubles	December, 2016, thousand rubles.	Difference, %
	Sberbank of Russia	22 683 024 956,00	22 606 604 681,00
	VTB Bank of Moscow	9 462 035 421,00	9 959 296 564,00
	Gazprombank	5 154 059 526,00	5 267 761 099,00
		3 148 754 529,00	3 207 540 431,00
	FC Otkritie	2 817 870 773,00	2 951 554 494,00
	Rosselkhozbank	2 802 482 746,00	2 760 244 338,00
	Alfa Bank	2 458 447 294,00	2 341 836 861,00
	National Clearing Center	2 310 056 873,00	2 039 319 172,00
	Moscow Credit Bank	1 454 783 713,00	1 363 786 529,00
	Promsvyazbank	1 327 405 045,00	1 311 290 450,00
	UniCredit Bank	1 213 680 015,00	1 283 127 686,00
		1 165 424 642,00	1 182 581 108,00
	Raiffeisenbank
	BM-Bank (formerly Bank of Moscow)
	Rost Bank
	Bank "Saint-Petersburg"
	Sovcombank
	Bank Uralsib
	Moscow Regional Bank
	Citibank
	Russian standard
	Ural Bank for Reconstruction and Development
	National Bank "Trust"
	Russian Capital
	All-Russian Regional Development Bank
	Svyaz-Bank
	Absolut Bank
	Moscow Industrial Bank
	Renaissance
	Nordea Bank
	Novikombank
	Express-Volga
	Home Credit Bank
	Transcapitalbank (TKB)
	Orient Express Bank
	Tinkoff Bank
	RosEvroBank
	DeltaCredit
	Bank of Savings and Credit Service
	Bank Rosgosstrah
	Vanguard
	Asia-Pacific Bank
	Post Bank
	Surgutneftegazbank
	Investtorgbank
	Credit Europe Bank
	National Settlement Depository
	Zapsibcombank
	Setelem Bank
	Uniastrum Bank
	Rusfinance Bank
	Renaissance Credit
	Fondservicebank
	Center-invest
	Tauride
	Russian National Commercial Bank
	Loko-Bank
	Bank Finservice
	Baltinvestbank
	CentroCredit
	Kuban Credit
	HSBC Bank (HSBC)
	Baltic Bank
	Metcombank (Kamensk-Uralsky)
	Roseximbank
	Metallinvestbank
	BNP Paribas Bank
	Expobank
	International Financial Club
	Deutsche Bank
	BCS Investment Bank
	Banca Intesa
	Credit Agricole CIB
	Rosenergobank
	Education
	Krayinvestbank
	Toyota Bank
	Sotsinvestbank
	International Bank of St. Petersburg (IBSP)
	ICBC Bank

Bank's name		Change
Absolut Bank		confirmed
Bank "Avers"		confirmed
Avtogradbank
Bank "Agroros"		confirmed
KB "Agrosoyuz"
Asia-Pacific Bank
ACTIVE BANK		confirmed
ActiveCapital Bank
Bank "Alexandrovsky"		confirmed
Almazergienbank		confirmed
AltaiBusiness-Bank		confirmed
Altaicapitalbank		confirmed
Bank Aspect		confirmed
KB "Association"		confirmed
BaikalInvestBank		confirmed
Bank Acceptance		confirmed
		confirmed
Bank "ZhilFinance"
Bank of Kazan
Bank Premier Credit
Bank Saratov		assigned
Bank BelVEB		confirmed
Best Efforts Bank
		assigned
Bratsk ANKB
		confirmed
Investment Bank "VESTA"		confirmed
Vladbusinessbank		confirmed
Vneshfinbank		confirmed
KB "Vologzhanin"		confirmed
Gazprombank		confirmed
Grand Investment Bank		confirmed
GUTA-BANK
Devon-Credit		confirmed
JSCB "Derzhava"		confirmed
J&T Bank
Doncombank
Eurasian Bank		confirmed
Euro-Asian Investment Bank		confirmed
JSCB "ENISEY"
Zapsibcombank
JSCB "Zarechye"		confirmed
Zemsky Bank
Izhkombank		confirmed
		confirmed
IntechBank
JSCB "IRS"
Kama Commercial Bank		confirmed
KB "RING OF URAL"		confirmed
KOSHELEV-BANK		confirmed
KranBank		confirmed
Credit Ural Bank		confirmed
Kredprombank
		confirmed
Kurskprombank		confirmed
Bank "Levoberezhny"		confirmed
		assigned
International commercial bank
INTERNATIONAL FINANCIAL CLUB
Interregional Industrial and Construction Bank
PJSC "CREDIT BANK OF MOSCOW"
Moscow Petrochemical Bank		confirmed
Moscow-Paris Bank		confirmed
MOSCOMBANK		confirmed
Municipal Kamchatprofitbank		confirmed
JSC National Standard		confirmed
		confirmed
Nevsky Bank
NIKO-BANK
NOVIKOMBANK		confirmed
KB "Novopokrovsky"		confirmed
Neklis-Bank		confirmed
Bank "Pervomaisky"
PERVOURALSBANK		confirmed
Plus Bank
Bank "Prime Finance"
Proinvestbank		confirmed
ProCommerceBank		confirmed
Bank "RESERVE"		confirmed
Bank "RESO Credit"
Russian Capital Bank		confirmed
RNKB Bank		confirmed
AB "Russia"		confirmed
ROSEXIMBANK		confirmed
Royal Credit Bank		confirmed
KB "RTBC"
RUNA-BANK		confirmed
		confirmed
RusYugbank		confirmed
		confirmed
Bank "Saint-Petersburg"
		confirmed
		confirmed
Northern Credit
JSCB "SVA"		confirmed
		confirmed
SIBSOCBANK		confirmed
		confirmed
Bank "Snezhinsky"		confirmed
Bank "Solidarity"		confirmed
Stavropolpromstroybank		confirmed
Surgutneftegazbank		confirmed
Bank "Taatta"
Tambovcreditprombank		confirmed
TATAGROPROMBANK
TATSOTSBANK
Transcapitalbank		confirmed
Transstroybank		confirmed
Coalmetbank		assigned
JSCB "URAL FD"		confirmed
UralCapitalBank
Bank FINAM		confirmed
		confirmed
Khakass Municipal Bank		confirmed
Chelindbank		confirmed
Chelyabinvestbank		confirmed
Chuvashkreditprombank		assigned
Expert Bank		confirmed
Energobank		confirmed
Energotransbank		confirmed
YUG-Investbank		confirmed
KB "Unistream"		confirmed
		confirmed

Ten banks were included in the list of the best, collectively occupying 60% of the total assets of the entire banking sector Russia. Given their special importance for the Russian economy, even in the most difficult times the Bank of Russia intends to keep them afloat.

10. Promsvyazbank

For the third year (since 2014), Promsvyazbank has been among the systemically important banks. In terms of assets and deposits, it is in the top 10, but in terms of loans it is in the second ten. The total amount of funds is 1.33 billion rubles.

9. Moscow Credit Bank

Let's hope that the disastrous advertisement on the theme of Santa Claus and a bad mother, which caused a storm of indignation at the end of 2016, will not greatly affect the bank's reputation in the eyes of the population. In the meantime, MKB is in the top ten both in terms of assets and in terms of loans and deposits. The total volume of assets is 1.45 billion rubles.

8. National Clearing Center

A subsidiary of the largest Russian exchange holding company, Moscow Exchange, was included in the list of key banks according to the list of the Central Bank of the Russian Federation only at the beginning of 2017. The main area of ​​activity is clearing on the foreign exchange, commodity, derivatives and precious metals. Compared to last year, the volume of NCC assets increased by 13.28% and amounted to 2.3 billion rubles.

7. Alfa-Bank

The only completely non-state bank, which is among the banks that are especially important for the Russian economy, by all indicators is successfully emerging from the crisis banking system. True, users complain about the abundance of imposed services, for which complete information is not provided. The total volume of assets is 2.5 billion rubles.

6. Rosselkhozbank

Initially, Rosselkhozbank was planned as a kind of Sberbank No. 2, only for agricultural organizations. Its sole shareholder is the federal agency Rosimushchestvo. However, according to the rating agencies Moody’s and Fitch, the bank’s outlook is rather “negative”. The volume of assets is 2.8 billion rubles.

5. FC Otkritie

Otkritie represents the holding company of the same name, which is one of the largest financial groups countries - the total volume of assets is more than two trillion rubles. At FC "Otkritie" equity 2.8 billion rubles.

It is no wonder why VTB 24 is one of the most important, reliable and systemically important banks in Russia - after all, the owner of 61% of its shares is the regulator, the Central Bank. The total volume of assets is 3.14 billion rubles.

3. Gazprombank

Third place in the top 100 Russian banks in terms of reliability in 2016-2017 is occupied by Gazprombank. As you might guess from the name, it is mainly aimed at oil and gas clients, and, judging by the reviews, the service is for individuals not particularly comfortable. The value of assets is 5.2 billion rubles.

2. VTB ( former Bank Moscow)

One of the most significant events in the banking sector in 2016 was the takeover of one of the largest banks, Bank of Moscow, by VTB Bank. Despite the problems after the redistribution of Bank of Moscow shares, which necessitated the need for assistance from the Deposit Insurance Agency, in general this operation looks profitable for VTB. It is expected that 2017 will put everything in its place. The total size of assets is 9.5 billion rubles.

1. Sberbank of Russia

The first position in the 2017 bank reliability rating according to the Central Bank is, of course, occupied by Sberbank, the undisputed leader for many years now. The heir to the USSR savings banks, founded in 1922, lives and prospers - he is currently

Attractive deposit rates are not always a guarantee of receiving maximum income. Quite the contrary - the higher the interest rates, the more aggressive the financial institution’s marketing policy to attract deposits, the higher the risks that when returning Money their owner may experience difficulties.

Of course, if the deposit amount does not exceed 1.4 million rubles, the legality of the transaction is beyond doubt, and the depositor has nerves of iron - you can try to take the money even to a bank that is predicted to go bankrupt soon. However, only a few clients are willing to take such risks with their personal money - most people prefer more modest income in exchange for confidence in their return.

• Highly liquid assets
• Issued interbank credits
• Investments in securities
• Investment in the capital of other organizations
• Loans to individuals:
• Loans to enterprises and organizations
• Fixed assets and intangible assets
• Other assets

The value N/A means that there is no data on the website of the Central Bank of the Russian Federation.

To quickly find the bank you need, use the search bar. By default, 10 banks are presented, to see more, click “show 100 entries”

Bank reliability rating 2018 (top 50)

Place	Bank	May, 2018, thousand rubles	May, 2017, thousand rubles	Thousand rubles	Difference, %
1	Sberbank of Russia	25 006 454 545	22 317 151 661	+2 689 302 884	+12,05%
2	VTB	12 468 025 960	9 393 512 797	+3 074 513 163	+32,73%
3	Gazprombank	5 946 724 041	5 416 844 455	+529 879 586	+9,78%
4	National Clearing Center	3 465 767 112	2 464 362 281	+1 001 404 831	+40,64%
5	Rosselkhozbank	3 327 043 880	2 755 031 289	+572 012 591	+20,76%
6	Alfa Bank	2 892 049 560	2 472 744 597	+419 304 963	+16,96%
7	Credit Bank of Moscow	1 933 530 001	1 330 018 139	+603 511 862	+45,38%
8	Bank "FC Otkritie"	1 828 084 178	2 722 761 074	−894 676 896	−32,86%
9	Promsvyazbank	1 421 467 237	1 283 197 247	+138 269 990	+10,78%
10	UniCredit Bank	1 366 781 113	1 183 841 970	+182 939 143	+15,45%
11	Russia	993 769 885	780 231 463	+213 538 422	+27,37%
12	Raiffeisenbank	953 459 730	805 851 182	+147 608 548	+18,32%
13	Binbank	947 087 285	1 178 974 006	−231 886 721	−19,67%
14	Rosbank	922 320 516	786 235 336	+136 085 180	+17,31%
15	Rost Bank	792 955 672	636 980 612	+155 975 060	+24,49%
16	Sovcombank	749 422 378	581 771 116	+167 651 262	+28,82%
17	Bank "Saint-Petersburg"	651 242 823	591 397 431	+59 845 392	+10,12%
18	BM-Bank	645 825 388	619 807 540	+26 017 848	+4,20%
19	National Bank "Trust"	580 352 414	393 653 854	+186 698 560	+47,43%
20	All-Russian Regional Development Bank	575 501 659	308 401 770	+267 099 889	+86,61%
21	Moscow Regional Bank	574 713 002	509 698 621	+65 014 381	+12,76%
22	Bank Uralsib	526 021 205	457 018 803	+69 002 402	+15,10%
23	AK Bars	494 757 913	464 206 520	+30 551 393	+6,58%
24	Citibank	487 600 138	459 839 026	+27 761 112	+6,04%
25	SMP Bank	402 587 126	313 713 115	+88 874 011	+28,33%
26	ING Bank	386 922 970	196 210 145	+190 712 825	+97,20%
27	Russian standard	377 966 304	397 123 696	−19 157 392	−4,82%
28	Novikombank	354 343 225	244 988 869	+109 354 356	+44,64%
29	Bank AVB	327 095 464	n/a	n/a	n/a
30	Russian Capital	316 916 391	357 748 152	−40 831 761	−11,41%
31	Tinkoff Bank	311 106 225	203 086 801	+108 019 424	+53,19%
32	Post Bank	309 015 733	160 436 196	+148 579 537	+92,61%
33	Svyaz-Bank	292 742 436	275 039 403	+17 703 033	+6,44%
34	Ural Bank for Reconstruction and Development	288 750 811	381 881 348	−93 130 537	−24,39%
35	Peresvet	284 464 985	n/a	n/a	n/a
36	Eastern Bank	281 214 436	276 959 290	+4 255 146	+1,54%
37	Moscow Industrial Bank	275 952 612	267 238 057	+8 714 555	+3,26%
38	Absolut Bank	257 256 684	273 634 228	−16 377 544	−5,99%
39	Home Credit Bank	251 258 778	220 594 049	+30 664 729	+13,90%
40	Renaissance	250 353 510	254 948 088	−4 594 578	−1,80%
41	Surgutneftegazbank	245 684 226	193 699 001	+51 985 225	+26,84%
42	Bank Zenit	224 046 851	253 129 654	−29 082 803	−11,49%
43	RosEvroBank	203 558 904	176 870 908	+26 687 996	+15,09%
44	Express-Volga	191 678 413	161 357 905	+30 320 508	+18,79%
45	MTS Bank	179 265 711	164 107 109	+15 158 602	+9,24%
46	DeltaCredit	179 245 458	157 934 624	+21 310 834	+13,49%
47	Transcapitalbank	176 769 936	204 628 714	−27 858 778	−13,61%
48	Nordea Bank	168 790 329	215 604 686	−46 814 357	−21,71%
49	RNKB	148 725 880	87 269 914	+61 455 966	+70,42%
50	Investtorgbank	147 811 405	130 511 368	+17 300 037	+13,26%

Related materials: Emergency consolidation of the banking sector

How to assess the reliability of a bank?

Statistics show that over the past ten years the number of banks in Russia has decreased threefold, from 1,136 as of 01/01/08, to 358 as of 01/01/18. In 2017, the Central Bank of the Russian Federation continued its policy of “cleaning up” the banking system, revoking the licenses of another 45 institutions. In addition, in August-September, FC Otkrytie and B&N Bank, both included in the list of the largest private banks in the Russian Federation, were under the threat of reorganization.

In connection with these events, many Russians today have a question: how can one be convinced of financial stability jar. The problem is that even after completing the “Enlightenment” course from the Central Bank of the Russian Federation, it is difficult to do this on your own, so investors have to rely on information from open sources– the official website of the institution, various ratings and customer reviews.

Among assessments of banks’ activities, the credit ratings of international agencies S&P, Moody’s, and Fitch carry the greatest weight. However, this procedure is paid, so not all organizations undergo it. In addition, even if there is a rating, there is no guarantee that the bank does not have any problems, because the reporting used may be distorted or already outdated, and the opinion of experts may be erroneous.

In this situation the most reliable way make sure of the financial stability of the institution - use the list of systemically important credit institutions of the Central Bank of the Russian Federation. These banks account for 2/3 banking assets, therefore, we can assume that the regulator will support them under any circumstances, which means that storing money in them is the safest.

One of the latest examples is the revocation of the license from one of the large banks of the Russian Federation - PJSC YuGRA (30th place among Russian banks in terms of assets in 2016, developing mortgages and refinancing), liquidated in 2017. According to the first deputy chairman of the Central Bank of the Russian Federation, Dmitry Tulin, one of the reasons why the Central Bank of the Russian Federation “did not save” the bank was that: “Ugra” was not a systemically important bank.”

Related materials: The hole in Trust Bank has increased by 200 billion

The most profitable banks in Russia since the beginning of 2018 (top 10)

Place	Bank's name	Indicator, thousand rubles for 2017	Difference in % ratio for 2017
1	VRB	+1 428 562	+248,24%
2	Bank AVB	+194 820 283	+147,28%
3	ING Bank	+216 215 408	+126,66%
4	Inkarobank	+1 858 769	+120,38%
5	Bank Credit Suisse	+16 384 534	+91,18%
6	VUZ-Bank	+36 913 286	+73,93%
7	Modern Business Standards	+1 488 357	+73,47%
8	St. Petersburg Investment Bank	+1 464 627	+70,90%
9	J.P. Morgan Bank	+13 890 683	+65,78%
10	Genbank	+18 729 803	+65,71%

What is the Central Bank of the Russian Federation based on?

The reliability rating is based on two factors - the number of branches and taking into account one of the key indicators for bank reliability - the amount of equity capital. After all, it is precisely the lack of equity capital that credit organization To fulfill obligations to depositors and creditors, the regulator refers by revoking licenses from banks.

According to the Bank of Russia standards, the sufficiency own funds(capital) of the bank should be at least 10-11%. If this standard decreases below the minimum value, the regulator has the right to revoke the license of the credit institution. Therefore, speaking about reliability banking organization, first of all, all experts pay attention to its size.

Bank reliability rating 2018

Sberbank of Russia, to which every second depositor in the country trusts their deposits, traditionally tops the rating of bank reliability in 2018 according to the Central Bank. The institution's equity capital exceeds 3.3 trillion. rub., which is an absolute record among all banks in the country. In terms of the size of its network of branches and ATMs, Sberbank is also the largest financial institution countries.

It is worth noting that Sberbank has been occupying the first positions in loans and deposits for individuals for many years, is the largest card acquirer, and is actively developing credit cards. 2/3 of the country's adult population has already entrusted the payment of their pension to this bank. For them, Sberbank has especially good conditions, bonuses and credit lines and other banking products.

In its activities, Sberbank focuses on the development of remote services. The Sberbank Online system, according to many experts, is one of the best today. Using this service, bank clients in their account, which can be entered from home, can easily open a deposit, transfer money, pay public utilities and even apply for a loan.

In addition to Sberbank, in the first ranks of the TOP 100 bank rating in terms of reliability, according to the Central Bank, there are a number of state-owned banks - VTB, Gazprombank and Rosselkhozbank (in the TOP 10 banks in terms of reliability, occupying 2, 3, 5 places, respectively). The public's trust in banks where the state is a shareholder allows them to consistently occupy the highest positions in all ratings.

Speaking about the VTB Group, one cannot fail to mention the bank’s successes in retail business, which is actively developing today. Among the drivers especially remembered by the population are: bonus program"Collection and multicards." On January 1, 2018, VTB24 merged with VTB, which automatically brought the merged bank to even higher positions in all ratings.

In 2017, 45 have already closed financial organizations Russia. For comparison, in 2016, the total number of banks that lost their license exceeded one hundred. Almost the same situation was observed in 2015.

The consequences of the closure of a banking organization are problems arising for depositors and borrowers. To protect potential clients from this, the Central Bank regularly compiles a reliability rating. It is designed to suggest cooperation with which financial organization involves the least risk. When compiling ratings, the Central Bank evaluates a large number of significant parameters, after which appropriate conclusions are drawn about institutions operating in the banking sector.

In 2017, the reliability list was again topped by Sberbank, followed by VTB, and Gazprombank closed the TOP-3. Next are FC Otkritie, VTB 24, Rosselkhozbank and Alfa-Bank.

How is the reliability of banks determined?

To assess reliability, the Central Bank takes into account the following factors:

• net assets (full assets excluding debt obligations);
• the amount of funds that were invested by persons in this institution;
• the number of transactions in the interbank market - how many credit funds were received and issued.

By analyzing the bank’s work according to the proposed parameters, it is possible to identify organizations that have a positive or negative impact on the Russian banking system as a whole. The latter, naturally, are at risk, and their license may be revoked. (List of banks that may lose their license this year)

How are the places in the Top 100 reliability rating from the Central Bank distributed?

The first position in the top 100 banks of Russia according to the Central Bank for 2017 once again went to Sberbank. The places of other banks are also interesting, about whose services almost every one of you has heard. For example,

• The reliability rating of the Moscow Credit Bank is relatively high and corresponds to ninth place among all Russian institutions.
• Pochta Bank's rating is lower compared to MKB; accordingly, it received 45th place.
• Tinkoff's 38th place in the reliability rating suggests that you should trust the first online bank Russia can.
• The 29th position of Bank Ugra does not raise any questions either.
• Unicredit ranks 11th in the top 100.
• Moscow industrial bank ranked 33rd.
• Alfa Bank is on the number 7.
• Russian Capital received a well-deserved 27th place.
• VTB 24 is considered one of the most reliable organizations - 5th position.

The places of other well-known institutions were distributed as follows:

• Trust Bank – 24,
• Renaissance Credit – 64 (by the way, you can get a loan from Renaissance Credit right now by submitting an application),
• Uralsib – 20,
• Absolute – 32,
• Opening - 4,
• Legion - 168,
• Eastern - 31.

Top 10 banks in Russia according to the Central Bank for 2017

Interestingly, a high position in the rating is not a 100% guarantee that there is no risk of bankruptcy. For example, Sovetsky was in the second ten, but it all ended in bankruptcy and the transition to the control of Tatfondbank. At the same time, the reliability rating of Russian banks still remains the most reliable source of data. The most reliable banks in Russia:

• Sberbank;
• VTB Bank of Moscow;
• Gazprombank;
• VTB 24;
• Rosselkhozbank;
• FC Otkritie;
• Alfa Bank;
• National Clearing Center;
• Credit Bank of Moscow;
• Promsvyazbank.

In close proximity to the first 10 are such financial organizations as

• UniCredit,
• Binbank,
• Rosbank,
• Raiffeisenbank,
• Russia,
• RostBank,
• BM-Bank,
• Sovcombank,
• Saint Petersburg,
• Uralsib.

You can trust all these organizations with your financial resources in the form of deposits. Also, having received a loan from one of these institutions, individuals will not have to find out after a few months the name of another organization to which to transfer monthly installments after the bankruptcy of the lender. (Details about where to pay the loan if the bank “burst”)

When will the rankings for 2018 be compiled?

Previously, the Central Bank published the reliability rating for the next year only at the end of the current year. Nowadays, the data is updated monthly to ensure it remains up-to-date with how quickly the situation can change. And the gap between some financial organizations is minimal.

Thus, back in June 2017, Otkritie FC was in fifth position in the rating, and already in July 2017, Rosselkhozbank pushed it to 1st position. This happened due to the fact that Otkritie’s assets immediately fell by 4%, while those of Rosselkhozbank increased by almost 8%.

As for 2018, the forecast for its start can be expected in December 2017. Experts do not expect huge changes compared to the current year. Certain institutions from the TOP 100 may rise or fall by a maximum of 10 positions. More significant changes (growth or decline) are shown by organizations located outside the top hundred.

Reliability is updated monthly according to the Central Bank of Russia. Official indicators immediately influence the information provided on our website. The idea of ​​reliability in 2020 is formed by:

• net profit,
• overdue debt in the loan portfolio,

How banks are rated by reliability

• sufficiency of the organization's own funds,
• quality of management decisions,
• efficiency of cash flow and quality of income,
• feasibility of asset management from the point of view of ensuring liquidity.

In 2020, the majority of Russian citizens give preference to financial organizations that are partly state-owned, have consistently high numbers, and are on lists compiled not only by the Central Bank of the Russian Federation, but also by financiers and analytical sources.

Regular study of the reliability rating of Russian banks allows you to track adjustments occurring in financial direction. Constant monitoring helps you learn about new, more loyal programs aimed at attracting new customers and supporting existing ones.

Formation of a rating of the most reliable banks

The top reliable banks according to the Central Bank of the Russian Federation are formed by assets, taking into account the reduction in the amount of liabilities in the form of debt obligations. After identifying this data, a list of reliable financial institutions is compiled.

Finding a financial organization in the TOP 100 or 50 best and most reliable is very good criterion, inspiring trust. Especially considering the fact that there are more than 600 different financial organizations in Russia. The specificity is that the leaders offer automatic insurance for the amount of any depositor. This means that if unforeseen circumstances occur, you will still receive the money.

Bank reliability rating 2017 (data from the Central Bank)

The top 100 banks in Russia in terms of reliability in the current version of 2017 has undergone changes due to license revocations, layoffs and acquisitions, so we present to your attention the updated official rating of banks in terms of reliability according to the Central Bank. At the beginning of 2017, the Central Bank of the Russian Federation updated the statistics and list of banks occupying first places on its website.

The methodology for allocating seats takes into account reporting data in Form 101, 123, 135, as well as credit ratings from Moody's and Expert RA:

• Assets
• Issued loans
• Deposits

		January, 2017, thousand rubles	December, 2016, thousand rubles.	Difference, %
	Sberbank of Russia	22 683 024 956,00	22 606 604 681,00
	VTB Bank of Moscow	9 462 035 421,00	9 959 296 564,00
	Gazprombank	5 154 059 526,00	5 267 761 099,00
		3 148 754 529,00	3 207 540 431,00
	FC Otkritie	2 817 870 773,00	2 951 554 494,00
	Rosselkhozbank	2 802 482 746,00	2 760 244 338,00
	Alfa Bank	2 458 447 294,00	2 341 836 861,00
	National Clearing Center	2 310 056 873,00	2 039 319 172,00
	Credit Bank of Moscow	1 454 783 713,00	1 363 786 529,00
	Promsvyazbank	1 327 405 045,00	1 311 290 450,00
	UniCredit Bank	1 213 680 015,00	1 283 127 686,00
		1 165 424 642,00	1 182 581 108,00
	Raiffeisenbank
	BM-Bank (formerly Bank of Moscow)
	Rost Bank
	Bank "Saint-Petersburg"
	Sovcombank
	Bank Uralsib
	Moscow Regional Bank
	Citibank
	Russian standard
	Ural Bank for Reconstruction and Development
	National Bank "Trust"
	Russian Capital
	All-Russian Regional Development Bank
	Svyaz-Bank
	Absolut Bank
	Moscow Industrial Bank
	Renaissance
	Nordea Bank
	Novikombank
	Express-Volga
	Home Credit Bank
	Transcapitalbank (TKB)
	Orient Express Bank
	Tinkoff Bank
	RosEvroBank
	DeltaCredit
	Bank of Savings and Credit Service
	Bank Rosgosstrah
	Vanguard
	Asia-Pacific Bank
	Post Bank
	Surgutneftegazbank
	Investtorgbank
	Credit Europe Bank
	National Settlement Depository
	Zapsibcombank
	Setelem Bank
	Uniastrum Bank
	Rusfinance Bank
	Renaissance Credit
	Fondservicebank
	Center-invest
	Tauride
	Russian National Commercial Bank
	Loko-Bank
	Bank Finservice
	Baltinvestbank
	CentroCredit
	Kuban Credit
	HSBC Bank (HSBC)
	Baltic Bank
	Metcombank (Kamensk-Uralsky)
	Roseximbank
	Metallinvestbank
	BNP Paribas Bank
	Expobank
	International Financial Club
	Deutsche Bank
	BCS Investment Bank
	Banca Intesa
	Credit Agricole CIB
	Rosenergobank
	Education
	Krayinvestbank
	Toyota Bank
	Sotsinvestbank
	International Bank of St. Petersburg (IBSP)
	ICBC Bank

Bank's name		Change
Absolut Bank		confirmed
Bank "Avers"		confirmed
Avtogradbank
Bank "Agroros"		confirmed
KB "Agrosoyuz"
Asia-Pacific Bank
ACTIVE BANK		confirmed
ActiveCapital Bank
Bank "Alexandrovsky"		confirmed
Almazergienbank		confirmed
AltaiBusiness-Bank		confirmed
Altaicapitalbank		confirmed
Bank Aspect		confirmed
KB "Association"		confirmed
BaikalInvestBank		confirmed
Bank Acceptance		confirmed
		confirmed
Bank "ZhilFinance"
Bank of Kazan
Bank Premier Credit
Bank Saratov		assigned
Bank BelVEB		confirmed
Best Efforts Bank
		assigned
Bratsk ANKB
		confirmed
Investment Bank "VESTA"		confirmed
Vladbusinessbank		confirmed
Vneshfinbank		confirmed
KB "Vologzhanin"		confirmed
Gazprombank		confirmed
Grand Investment Bank		confirmed
GUTA-BANK
Devon-Credit		confirmed
JSCB "Derzhava"		confirmed
J&T Bank
Doncombank
Eurasian Bank		confirmed
Euro-Asian Investment Bank		confirmed
JSCB "ENISEY"
Zapsibcombank
JSCB "Zarechye"		confirmed
Zemsky Bank
Izhkombank		confirmed
		confirmed
IntechBank
JSCB "IRS"
Kama Commercial Bank		confirmed
KB "RING OF URAL"		confirmed
KOSHELEV-BANK		confirmed
KranBank		confirmed
Credit Ural Bank		confirmed
Kredprombank
		confirmed
Kurskprombank		confirmed
Bank "Levoberezhny"		confirmed
		assigned
International commercial bank
INTERNATIONAL FINANCIAL CLUB
Interregional Industrial and Construction Bank
PJSC "CREDIT BANK OF MOSCOW"
Moscow Petrochemical Bank		confirmed
Moscow-Paris Bank		confirmed
MOSCOMBANK		confirmed
Municipal Kamchatprofitbank		confirmed
JSC National Standard		confirmed
		confirmed
Nevsky Bank
NIKO-BANK
NOVIKOMBANK		confirmed
KB "Novopokrovsky"		confirmed
Neklis-Bank		confirmed
Bank "Pervomaisky"
PERVOURALSBANK		confirmed
Plus Bank
Bank "Prime Finance"
Proinvestbank		confirmed
ProCommerceBank		confirmed
Bank "RESERVE"		confirmed
Bank "RESO Credit"
Russian Capital Bank		confirmed
RNKB Bank		confirmed
AB "Russia"		confirmed
ROSEXIMBANK		confirmed
Royal Credit Bank		confirmed
KB "RTBC"
RUNA-BANK		confirmed
		confirmed
RusYugbank		confirmed
		confirmed
Bank "Saint-Petersburg"
		confirmed
		confirmed
Northern Credit
JSCB "SVA"		confirmed
		confirmed
SIBSOCBANK		confirmed
		confirmed
Bank "Snezhinsky"		confirmed
Bank "Solidarity"		confirmed
Stavropolpromstroybank		confirmed
Surgutneftegazbank		confirmed
Bank "Taatta"
Tambovcreditprombank		confirmed
TATAGROPROMBANK
TATSOTSBANK
Transcapitalbank		confirmed
Transstroybank		confirmed
Coalmetbank		assigned
JSCB "URAL FD"		confirmed
UralCapitalBank
Bank FINAM		confirmed
		confirmed
Khakass Municipal Bank		confirmed
Chelindbank		confirmed
Chelyabinvestbank		confirmed
Chuvashkreditprombank		assigned
Expert Bank		confirmed
Energobank		confirmed
Energotransbank		confirmed
YUG-Investbank		confirmed
KB "Unistream"		confirmed
		confirmed

The list of the best included ten banks, which together account for 60% of the total assets of the entire Russian banking sector. Given their special importance for the Russian economy, even in the most difficult times the Bank of Russia intends to keep them afloat.

10. Promsvyazbank

For the third year (since 2014), Promsvyazbank has been among the systemically important banks. In terms of assets and deposits, it is in the top 10, but in terms of loans it is in the second ten. The total amount of funds is 1.33 billion rubles.

9. Moscow Credit Bank

Let's hope that the disastrous advertisement on the theme of Santa Claus and a bad mother, which caused a storm of indignation at the end of 2016, will not greatly affect the bank's reputation in the eyes of the population. In the meantime, MKB is in the top ten both in terms of assets and in terms of loans and deposits. The total volume of assets is 1.45 billion rubles.

8. National Clearing Center

A subsidiary of the largest Russian exchange holding company, Moscow Exchange, was included in the list of key banks according to the list of the Central Bank of the Russian Federation only at the beginning of 2017. The main area of ​​activity is clearing on the foreign exchange, commodity, derivatives and precious metals markets. Compared to last year, the volume of NCC assets increased by 13.28% and amounted to 2.3 billion rubles.

7. Alfa-Bank

The only completely non-state bank, which is among the banks that are especially important for the Russian economy, by all indicators is successfully emerging from the crisis of the banking system. True, users complain about the abundance of imposed services, for which complete information is not provided. The total volume of assets is 2.5 billion rubles.

6. Rosselkhozbank

Initially, Rosselkhozbank was planned as a kind of Sberbank No. 2, only for agricultural organizations. Its sole shareholder is the federal agency Rosimushchestvo. However, according to the rating agencies Moody’s and Fitch, the bank’s outlook is rather “negative”. The volume of assets is 2.8 billion rubles.

5. FC Otkritie

Otkrytie represents the holding of the same name, which is one of the largest financial groups in the country - its total assets amount to more than two trillion rubles. Otkritie FC has a net worth of 2.8 billion rubles.

It is no wonder why VTB 24 is one of the most important, reliable and systemically important banks in Russia - after all, the owner of 61% of its shares is the regulator, the Central Bank. The total volume of assets is 3.14 billion rubles.

3. Gazprombank

Third place in the top 100 Russian banks in terms of reliability in 2016-2017 is occupied by Gazprombank. As you might guess from the name, it is mainly aimed at oil and gas clients, and, judging by the reviews, the service for individuals is not particularly comfortable. The value of assets is 5.2 billion rubles.

2. VTB (formerly Bank of Moscow)

One of the most significant events in the banking sector in 2016 was the takeover of one of the largest banks, Bank of Moscow, by VTB Bank. Despite the problems after the redistribution of Bank of Moscow shares, which necessitated the need for assistance from the Deposit Insurance Agency, in general this operation looks profitable for VTB. It is expected that 2017 will put everything in its place. The total size of assets is 9.5 billion rubles.

1. Sberbank of Russia

The first position in the 2017 bank reliability rating according to the Central Bank is, of course, occupied by Sberbank, the undisputed leader for many years now. The heir to the USSR savings banks, founded in 1922, lives and prospers - he is currently