Finance, Banks
Rating of Russian banks on reliability, assets and loans issued
The world is ruled by money, and almost all of them pass through financial institutions of the country - banks. Absolutely every person in his life turns to the bank for one reason or another: take a loan, make a deposit, make a money transfer and, in the end, pay elementary electricity, electricity 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 his money will be saved.
The base for the calculation of indicators is collected by absolutely all financial institutions of our country, which publish reports on their financial activities in the public domain. The rating for each criterion looks like the ordering of banks for a specific indicator. The main objective of the rating is to compare banks to the highest activity ratings, thus demonstrating their position in the financial market.
Rating of the largest banks in the country
In our time, in times of crisis and financial instability, people are trying to get out a financial institution for investing their money not so much in terms of interest on deposits as on reliability, and most often the largest banks are leading in the reliability rating, which is not surprising.
So, the rating of the largest banks in Russia:
1. OAO Sberbank of Russia.
2. ZAO VTB (Vneshetorbank).
3. OAO Gazprombank.
4. Rosselkhozbank OJSC.
5. CJSC VTB 24.
6. OJSC MMBM Bank of Moscow.
7. OJSC AlfaBank.
8. ZAO Uni-Credit Bank.
9. OJSC Promsvyazbank.
10. OJSC Rosbank
Reliability
The rating of the banks of Russia is compiled according to different criteria, but reliability is, perhaps, the most important, with which we will begin. To determine the level of this indicator of a particular bank, different selection criteria are used. For the assessment to be qualitative, a quantitative method is used, the essence of which is the simultaneous analysis of various financial statement data: the amount of assets, capital, liquidity, deposits, loans, and so on.
Rating of banks in Russia for reliability:
1. JSC "Sberbank of Russia"
The oldest bank in the country. Such a high level of reliability is explained simply - this bank is ready to help citizens in financial matters even at the most difficult time for the country.
2. ZAO VTB (Vneshtorgbank)
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 was popularly called Putin's bank.
3. OAO Gazprombank
The bank's activities are under the control of the Rossiya bank, which is located in St. Petersburg. Gazprombank has all the funds of Gazprom.
4. Rosselkhozbank OJSC
5. Financial experts say that it is the agricultural sector that accounts for the largest number of loans to which the state will always allocate funds. This is what insures the bank, 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 criteria such as reliability is tabulated, in descending order by the number of their assets. Presented the first ten.
No. | Name of the bank | Rating | Place by assets |
1 | Sberbank of Russia | ●●●●● | 1 |
2 | VTB (Vneshetorbank) | ●●●●● | 2 |
3 | Gazprombank | ●●●●● | 3 |
4 | VTB 24 | ●●●●● | 4 |
5 | Rosselkhozbank | ●●●●● | 5 |
6th | MMBM Bank of Moscow | ●●●●● | 6th |
7th | Alfa Bank | ●●● | 7th |
8 | Nomos-Bank | ●●● | 8 |
9 | Promsvyazbank | ●●●● | 10 |
10 | Raiffeisenbank | ●●●● | 12 |
The reliability rating reflects the ability of the country's financial institutions to fulfill their obligations to customers, as well as the amount of capital and its liquidity in the event that there is an outflow of money from settlement accounts and deposits.
Rating of Russian banks by assets
The bank's assets are: cash on hand, the amount of loan products issued, the volume of investments in securities and commercial real estate, other values that can be estimated in monetary terms. Assets should work and bring a high profit.
The place in the rating of assets is one of the most significant criteria in choosing a bank for the purpose of storing money on deposits, use of cards and settlement accounts, as well as other financial transactions. There is an expression: "This bank is too large to go bankrupt." This expression is really true. The reliability of a financial institution is increased by default when its assets grow.
Below, the rating of Russian banks by assets is tabulated (in descending order).
No. | Name of the bank | Number of assets |
1 | Sberbank of Russia | 17 477 454 224,00. |
2 | VTB (Vneshetorbank) | 5 965 152 230,00rub. |
3 | Gazprombank | 3,913,061,815.00r. |
4 | VTB 24 | 2 231 046 824,00. |
5 | Rosselkhozbank | 1 886 302 458,00. |
6th | MMBM Bank of Moscow | 1 782 315 083,00р. |
7th | Alfa Bank | 1 515 480 711,00р. |
8 | Nomos-Bank | 989 110 468,00. |
9 | UniCredit Bank | 880 451 211,00. |
10 | Promsvyazbank | 786 725 417,00. |
Capital
Stability is largely dependent on the size of the capital. The reason for this lies in the fact that the bank, using its own funds, creates reserve funds, from which it will subsequently use cash to cover possible losses. Therefore, the rating of Russian banks on capital is of great importance in determining its reliability.
Below is presented and tabulated in descending order of the rating by the size of capital.
| No. | Name of the bank | Number of assets |
| 1 | Sberbank of Russia | 2 073 007 558,00р. |
| 2 | VTB (Vneshetorbank) | 629 026 832,00. |
| 3 | Gazprombank | 434,941,652.00. |
| 4 | Rosselkhozbank | 246 391 671,00. |
| 5 | VTB 24 | 221 016 700,00. |
| 6th | Alfa Bank | 210 901 396,00. |
| 7th | MMBM Bank of Moscow | 182 262 411,00. |
| 8 | UniCredit Bank | 133 428 679,00. |
| 9 | Nomos-Bank | 113 841 022,00р. |
| 10 | Raiffeisenbank | 99 237 344,00. |
As already mentioned above, capital is used as a means to make a profit, hence the rating of banks on profits.
Rating of Russian banks by profit
| No. | Name of the bank | Profit amount |
| 1 | Sberbank of Russia | 446 217 797,00. |
| 2 | VTB (Vneshtorgbank) | 41 228 660,00. |
| 3 | Alfa Bank | 39 497 770,00. |
| 4 | Raiffeisenbank | 29 383 858,00р. |
| 5 | VTB 24 | 23 271 538,00р. |
| 6th | UniCredit Bank | 22 087 914,00. |
| 7th | Gazprombank | 20 892 989,00. |
| 8 | MMBM Bank of Moscow | 11 634 607,00. |
| 9 | Mosoblbank Public Company | 10 468 245,00р. |
| 10 | CB Citibank | $ 9,798,999.00. |
Loans
Below is a rating of Russian banks on loans.
| No. | Name of the bank | Loan amount |
| 1 | Sberbank of Russia | 12 370 927 937,00. |
| 2 | ZAO VTB (Vneshtorgbank) | 2 556 562 57 |
| 3 | Gazprombank | 2 460 911 042,00. |
| 4 | VTB 24 | 1 398 717 341,00. |
| 5 | Rosselkhozbank | 1 259 807 461,00. |
| 6th | Alfa Bank | 1 081 042 693,00. |
| 7th | MMBM Bank of Moscow | 940 198 711,00r. |
| 8 | UniCredit Bank | 541 202 871,00. |
| 9 | Promsvyazbank | 520,574,632.00. |
| 10 | Nomos-Bank | 499 568 340,00р. |
Deposits
Below is the rating of the banks of Russia on deposits, summarized in the table, in descending order.
| No. | Name of the bank | Amount of deposits |
| 1 | Sberbank of Russia | 8,616,070,768.00. |
| 2 | VTB (Vneshetorbank) | 1 810 727 577,00. |
| 3 | Gazprombank | 1 568 187 298,00. |
| 4 | VTB 24 | 1 375 276 976,00. |
| 5 | Rosselkhozbank | 928 357 566,00. |
| 6th | MMBM Bank of Moscow | 752,776,512.00rub. |
| 7th | Alfa Bank | 512 378 763,00р. |
| 8 | Nomos-Bank | 388,959,895.00rub. |
| 9 | Promsvyazbank | 379 332 636,00. |
| 10 | UniCredit Bank | 339 107 215,00р. |
Stability
It is worth noting that the concept of stability is not identical to the notion of reliability, although they are related to each other. Stability provides for the bank's ability not only to save the money of its customers, but also to function in a crisis without significant losses, which is certainly a very important factor of confidence in the bank.
1. JSC "Sberbank of Russia"
Even nothing to explain. The bank, which holds the leading position in the rating on reliability, as well as the leader in all other ratings, can not be unstable.
2. ZAO VTB (Vneshetorbank)
Nedokko for a number of years in a row takes a leading position in all sorts of ratings.
3. Rosselkhozbank OJSC
Absolutely grounded position. This is the largest bank in Russia, which finances all agricultural activities, and if it goes bankrupt, all the country's agriculture will decline, and the government will never allow this.
4. OJSC MMBM Bank of Moscow
Takes a leading position in view of the fact that 44% of shares are in the possession of the Russian Federation.
5. CJSC VTB 24
For a while the activity of this bank was not exactly adequate. He issued a large number of loans that during the crisis nearly drove 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 the leading position in the ratings.
6. ZAO Uni-Credit Bank
It is the largest foreign bank in Russia. Belongs to the Italian group UniCredit. During the crisis he behaved stably.
The choice of a reliable financial institution is now acute because banks have a lot and they offer a huge range of services. Based on the above data, it is quite possible to find a suitable financial institution for yourself.
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