Despite a number of stories about how banks block user accounts, considering card transactions suspicious, most Russians trust their money to financial institutions. However, as they say, "trust, but verify." And experts at Forbes magazine tested the reliability of the 100 most popular banks in the Russian Federation. They did this by studying data from international and Russian rating companies. In addition, a bank that is in the top 100 in terms of reliability should have assets of over ten billion rubles, and the share of deposits of individuals in it should be more than 3% of liabilities.
Banks with credit ratings of at least BBB- and BB + are among the leaders in the list, according to Fitch Ratings.
13. “Russian capital”
Assets - 364.6 billion rubles
Opens the rating of the most reliable Russian banks "long-lived", operating since 1993. Its branches, offices and operating cash desks are in 31 regions of the Russian Federation.
Compared to 2017, Russian Capital has advanced significantly in the Forbes ranking. Last year, he was in the top 100 only 23 line.
The reliability of the bank is evidenced by the fact that the Central Bank included “Russian Capital” among the credit organizations that have the right to work with enterprises of strategic importance.
12. Russian Agricultural Bank
Assets - 3,222 billion rubles
All one hundred percent of the shares of this bank belong to the Russian state. The specialization of Rosselkhozbank is clear from its name. This is financing and lending to participants in the agricultural sector.
At the beginning of 2018, the bank entered the top three in terms of the volume of loans issued. His mortgage portfolio exceeds 185 billion rubles.
11. Alfa Bank
Assets - 2 847 billion rubles
This is the largest private bank in Russia in such parameters as the size of customer accounts, the size of the loan portfolio and the total capital.
Alfa-Bank’s customer base has over 14 million individuals and 381 thousand corporate customers. The positions of this financial institution in the Russian banking market are very strong. She is a regional partner of the 2018 World Cup.
And in 2018, Alfa Bank began issuing an “Instead of money” installment card, with free service. The card issue itself is also free.
10. Gazprombank
Assets - 5 530 billion rubles
One of the largest and oldest Russian banks serves the most important economic sectors of the country - from gas and oil to nuclear, chemical and transport. The number of its customers totals over 5 million individuals and about 45 thousand legal entities.
9. Intesa
Assets - 58.7 billion rubles
Until the beginning of 2010, this bank was called KMB Bank. It is a subsidiary of the European banking group Intesa Sanpaolo - the largest in Italy in terms of loans.
The main activities of the bank are lending and opening deposits of representatives of medium and small businesses, as well as large corporate clients. However, a lot of individuals are served at Intez. Bank representative offices operate in 22 regions of Russia.
8. "Bank of China"
Assets - 30.1 billion rubles
This "daughter" of the Chinese Bank of China, controlled by the government of the Middle Kingdom. Its offices operate in Moscow, as well as in the Far East (Khabarovsk and Vladivostok). The bank specializes in export-import operations between Russia and China. However, it offers other services to both individuals and legal entities. Also, Bank of China is a member of the deposit insurance system.
If you were looking for where to open the card in order to pay the RMB when traveling to China, it is better not to find Bank of China.
7. VTB
Assets - 9,808 billion rubles
This is not only one of the most reliable banks in the Russian Federation, but also one of the most profitable mortgage rates. Until the end of March 2018, VTB offers a mortgage rate of 8.8% per annum. The promotion is called “More meters - less bid” and is valid for the acquisition of real estate with an area of 65 square meters. m. (inclusive). In total, the bank's mortgage portfolio amounted to 1.12 trillion. rubles.
And VTB is the holder of a 29% stake in Magnit, one of the most expensive public companies in Russia.
6. Nordea
Assets - 174 billion rubles
This credit institution, serving the population of Russia since 2006, is represented mainly in Moscow. Also, its branches operate in 12 Russian cities.
This is not the first time that Nordea has been included in the list of the most reliable banks according to Forbes. In 2013, he was in the top three.
The main beneficiary of Nordea is the Swedish Nordea Bank AB.
In 2017, information appeared in the media that the bank was going to leave Russia. In January last year, he sold Sovcombank his retail portfolio for 16 billion rubles. However, there is no information yet that the Swedish group managed to find a buyer for its asset.
5. Citibank
Assets - 471.3 billion rubles
This commercial bank is part of Citigroup Corporation. The first branch of Citibank opened in Russia in 1992. Currently, there are 50 Citibank branches in the country, and its clients include government agencies, large domestic and foreign companies. By the number of corporate clients, Citibank is one of the first in Russia.
In recent years, Citibank has been reducing the number of its branches and, according to its manager, plans to do so in the future. The main emphasis is on remote work with clients.
4. Sberbank
Assets - 23,806 billion rubles
According to Forbes, the well-known “green bank” took only fourth place in the stability rating of Russian banks in 2018, but it is the most reliable according to the Central Bank. In one, he has no equal - in the number of branches opened in the country. There are over 16 thousand of them, in 83 subjects of the Russian Federation.
And also in "Sberbank" keep their deposits 70% of the population of Russia.
In addition to his native country, Sberbank is actively expanding its presence in other countries. Its representations are not only in the states of the former USSR, but also in the Czech Republic, Germany, China, India and other countries.
3. Raiffeisenbank
Assets - 879.5 billion rubles
The first three of the most reliable Russian banks in 2018 is headed by the “daughter” of the large Austrian group Raiffeisen Bank International. It has been present in Russia since 1996 and is a universal financial organization in which both private and corporate clients are served.
During its existence, the bank has received various awards, including being named “The Best Foreign Bank in Russia”, “The Best Deposit Bank” and “The Best Retail Bank in Russia”.
In 2013, the Raiffeisenbank ATM network was merged with the UniCredit Bank network. And in June 2016, the same operation was carried out with the Binbank ATM network.
In Russia, there are 52 branches and 179 offices of Raiffeisenbank.
2. Unicredit Bank
Assets - 1218.6 billion rubles
This is the largest bank in Russia with foreign participation. One hundred percent of Unicredit Bank's voting shares are owned by the Italian UniCredit Group.
It is also one of the oldest banks in Russia; it has been operating in the country since 1989. Now in various cities of Russia there are 104 units of the network, which serve more than 1.94 million individuals.
1. Rosbank
Assets - 957.7 billion rubles
Last year, Sberbank was the king among the reliable banks of the Russian Federation. However, this year “power has changed” and Rosbank has been named the leader.
According to Forbes, the most reliable Russian bank is 99.5% controlled by Societe Generale, an international financial conglomerate. A wide network of branches (there are more than 600 in the country), as well as remote channels allow Rosbank to provide its services to over 3 million individuals. And the deposit portfolio of small business Rosbank in 2017 increased by 43%.
The first three leaders of the rating consist of subsidiaries of foreign banks. Compared with the top 100 reliable Russian banks in 2017, the number of private banks in the current list has decreased. But one more state player (5 versus 4 last year). All banks from the top 13 are currently very reliable and you can keep your deposits in them without fear that in one unfortunate day they will disappear with the bank.
